Oldbased
> Than U
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Well you are right , this isn't a accident claim with injury and this isn't a personal loss claim of property( personal ) which makes it far less likely to help. I have seen and done fire jobs where it made considerable differences however. The best you can do is rip apart the scope they have and make sure they are covering all the damages.I was told I could get the full 10k because the repairs far exceeded my coverage. The deductible functionally no longer applies, since I am expected to cover more out of pocket than the deductible anyway. Then the adjuster calls back with this random $7850 number with no explanation, from which I'm expected to pay nearly half in cleaning fees.
You can honestly skip the fireplace and shelves at this time and as ugly as it is. You can unless you have a medical condition or lack of time honestly do that yourself at anytime at a fraction of any contractor. It is super easy to build shelve units and even if you want doors, most towns have places that will build doors for you ready to hang, at a cost of around $40 a door.
If you go ahead with the removal of the wall, you should do the lights at the same time. This is due to all the drywall repairs already in progress. A contractor should mitigate the costs of fixing holes If he is already on site repairing drywall. Coating drywall only takes a minute once the initial repairs are done and sanding and such is already making the mess( and you have all the carpet up ).
As for what Jooboo said, state farm does some funny shit and tries to get away with it( hence knowing people who have sued them ), state farm as a whole does this on both property and accident/injury claims. They are not a bad insurance by any means but they do fine line people a lot. I've been out of the insurance game awhile now but Allstate used to be fucking awesome. They would just cut checks no matter what the price was pretty much. I remember fighting State Farm over a sink in a $65,000 fire job once. They put like $80 for sink on the bid. Sink the lady had was around $300. They said well you could but a sink for $80, I said ya but she doesn't want a SS sink, she had a granite one. Had to fight that stuff on almost every item in the house to get them from their 49,000 to my 65,000.