The most notable thing about fire claims is that the fire doesn't always consume everything. There are always items that remain that are still identifiable. Some items can even be cleaned, but just because an item survives a fire doesn't mean that it can't be replaced. These items must be accounted for and added to the claim. The carrier typically hires a 3rd party contractor to account for personal belongings lost in a fire. I have yet to have one of these companies over-count my estimates. I typically count 3 times as much and come close to, if not surpassing, policy limits. If this were my home I would want every single item accounted for.
