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Message: [QUOTE="Ol'89r, post: 1426734, member: 17212"] Brian. Congrats on saving your home. We had a similar situation in 1990 with no help from the fire department. When the insurance agent comes, get his name and business card. Make sure you take photos of everything he approves and get him to sign it. Get his photograph too. A little trick that insurance companies play is to send an agent out to your property and this agent will be very sympathetic and tell you they will replace everything. A few weeks later, when you try to get ahold of this agent, they will tell you he is gone or has been transfered and they will send out a new agent. When the new agent comes out a few weeks later, you will have already repaired some of your property. The new agent will say he can't cover that because it's been repaired and there is no evidence of the fire damage. Of course, the first agent is not available to question and none of the original paperwork can be found. That's when you show him your photos. They will send several agents out. A different one every time and each time the new agent will disallow more damage. This is a trick that they all use to reduce the size of your claim. Get photos, get it on paper and get it signed by the first agent. We had State Farm insurance and they treated us pretty good even though they tried to trick us with the different agents. Allstate insurance was the worst and they really screwed the people with Allstate over. Good luck. [/QUOTE]