AboutDeanna Terry Expertise I am qualified to answer questions about home owners personal property claims, especially fire claims. I am able to answer questions about A.C.V vs. Replacement Cost as well as the reality behind cleaning and restoration. I can answer questions regarding policy compliance as well as questions of what to do when you don't agree with the insurance company's adjuster.
Experience I have over 5 years of experience adjusting claims for home owners, not insurance companies. I was also a fire victim. I am the founder and President of a non-profit organization that assists fire victims in specific counties with filling out and filing their personal property claims.
Organizations President of 1st Hand fire victims assistance program
Education/Credentials Associates Degree in Business Administration
Specialty Courses in Insurance Adjusting
State Civil testing
Yearly Continuing education
Awards and Honors United Way Award for Community Service to Fire Victims
Question My sons house caught fire a few months ago. They have been waiting on the insurance to settle with them. Today they received a call from the insurance stating that they have found a trailer to replace the one that burned. If it is not declared a total loss then why would they replace it instead of repair it? I obviously am at a loss as to how insurance works in these situations. They told them they would send a partial check and when they receive notice that they have started the procedure of having the trailer moved in they would then send the rest of the check.. Now they are telling them they will have redo the contents list because it was not good enough.. Please help me so I can offer the kids some assistance. What if the kids had decided to build a new home instead of purchasing a trailer?
Answer Hello Rhonda,
Something is not right here. I will need more info in order to guide you. Who the insurance company is, the state where he loss occurred etc. I have never heard of an insurance company replacing a trailer they chose for the insured. This is absurd. In the meantime, please advise your son not to sign ANYTHING until he gets guidance from someone on what his rights and choices are.
Please email me privately so I can email you my private information.
