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@glittergirl52 Apparently the person I responded to didn't like my comments and deleted their posts because they learned how wrong they are. Please ask your adjuster to send out someone who can assess your collectibles; there are specialized contents experts in your area who can determine if...

@servantofchrist27 Then why does he want to treat them? It’s a general case of an insured not knowing what to look for. It’s an adjusters duty to assist them. If it was me, I’d rather be safe than wrong.

@perdedoras Ask your carrier to provide you a contractor who can do the work for the price quoted. Certain states require carriers to do so. It is a tough lawsuit- the damages are very low so many attorneys won't be interested. Also check out the appraisal provisions in your policy.

@servantofchrist27 You still continue to ignore that he said he saw damage on the collectibles. Basically following your training to ignore damage and to assist the insured in investigating the damages. Enjoy the Koolaid.

@deaconpete Yes. You should go to appraisal on the acv of your items. Insurance companies love to low ball on acv with the hope you won’t repurchase items to recover the rcv (depreciation)

@servantofchrist27 He said they developed moisture on them. If it can't be cleaned or wiped away, it is considered physical damage. It's that easy. If I was OP, I would inform the adjuster that is the case and hopefully they can recommend a competent contents adjuster to come look at the...

@mrss Search for your state’s public adjuster organization and find a good referral

@servantofchrist27 100%- but they said the collectibles developed moisture on them while he was at work...so it is possible they sustained damage. Collectibles may be impossible to mitigate so they could be considered a total loss because of the moisture alone, let alone any mold issues.

@servantofchrist27 This isn't damage caused by mold, but damage caused by water line burst. It is common to confuse them. Don't let your carrier convince you this is mold damage!

@weboh Yes, it is yours to keep. Your policy is one of indemnification- you get the replacement cost. Good on you for negotiating with your contractor.