Will home insurance cover the cost of an interior designer to re-furnish your home after a fire (total loss)?

Asked by Curious11, Rockville Centre, NY Fri Jun 19, 2009

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Joshua Zarga…, Other Pro, Lynbrook, NY
Tue Jan 26, 2010
Do you have a replacement cost coverage? Ask your insurance broker.
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Anna M Brocco, Agent, Williston Park, NY
Sat Jun 20, 2009
Why not contact your insurance company for an accurate answer.

Anna
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Emmanuel Sca…, , Collin County, TX
Fri Jun 19, 2009
Hello Curious11,

You would actually need to review your insurance policy for that answer. Unless you have special riders and amendments to the policy the best you can hope for is the total replacement cost of the original contents. I have yet to see a policy offered that would pay the salary of an interior designer. Another issue you might face is if you had unusually expensive furnishings (above the norm) for your style residence. If you do not have proof of their value and possession, or additional riders on the policy, the insurance company might balk and not pay for the more expensive items.

You should call your insurance Agent and speak with them about these concerns. If you do not feel they are treating you right then call the NY Insurance Commissioner. NY might have laws allowing you to hire independent adjusters to re-evaluate your claim.

Good luck!

Emmanuel J. Scanlan
PS Inspection & Property Services LLC http://www.psinspection.com
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