Gopintos, Your policy probably contains from several categories: 1. dwelling (your house) 2. other structures (like barn, etc) 3. unscheduled personal property ( your possessions) 4. loss of use ( a cost to rent your FORMER property, not current + furniture rentals, utilities, etc) For #1 Dwelling coverage usually consists of base coverage - "fair market value", plus (usually) - 50% more of extended coverage (will be paid if you actually rebuild). Good luck getting 100% of your base coverage without a public adjuster - hard to believe. With a public adjuster you'll get 1.5*X (where X is your dwelling coverage limit) minus 10% of their fee - roughly 1.35*X - much higher than 0.75*X you mentioned. For #3 Public adjuster will help you to create a list of things you overlooked and you can easily present a list of things which were in you possession like 1.5*X of total coverage - in that case (and it was in mine) you don't have to itemize anything - insurance will just pay 100% of coverage limit - again - minus public adjuster's fee of 10% and you end up with 0.9*X (where X is your unscheduled personal property coverage) and you didn't have to itemize. There are many other things public adjuster will help you as well. Just get a reputable one and listen. They are salesman, and most likely will pressure you as time sharing people do, but it will be for your good. Our experience was very positive. Without them we wouldn't be able to get even a half of our money. Regards.

I have struggled through just this type of project. I was called to expertly assess and repair and replace the woodwork from a grand 3 story victorian home of a close friend. I was able to save a great deal, including their masterpiece hand carved, curved staircase. I (re?) developed techniques through the project to seal odor and reverse water stains in their 120 yr old quartersawn oak trim. Spraying down remaining structural woodwork (studs) with a solution of lemon juice and water, followed by a sealcoat of shellac (in a day or 2, after the lemon water dried) worked miracles to stop the smoke odor. Cleaning and restoring with the Old fashioned remedies of sunlight, lemons and shellac were far more effective than the slow, expensive hi-tech "ozone machines" recommended by the insurance co and servicemaster". In other words, saved the company MONEY! The citric acid in the lemons and volatile compounds in the real lemon peels actually worked with the tannic acids natural in oak (and many other hardwood trim woods) to neutralize and reverse color and chemical changes that were caused by charring, water stains and smoke. I could go on, but my point is : all may not be lost if there still remains some parts that make you feel like "home" restoration may be a viable option. Keep your spirits and your standards high. wish you the best, here to help, Reid

I'm looking for advice on which force to use for my powder room downstairs Power down Either Polish nickel faucet with a polished nickel light That has some gold in thereChampagne bronze with Polish nickel light ? I wanted a gold powder room but I did my kitchen and cafe appliances gold which isn't actually overwhelming And I wanted my powder room to be Different so I went with the Polish nickel but I'm just in love with the champagne bronze Always wanted a gold little powder room but thought I had to add in another metal which I can do that with furniture and lighting ? N plan on wallpapering not sure just idea here. I appreciate any input I'm rebuilding after a home fire I have a whole house to do i appreciate any Suggestions the floor is black slate harrybone and like I said I will be wallpaper Am I crazy for getting rid of the Polish nickel faucet for a champagne bronze one? I'm just in love with the muted gold I did cafe appliances in my kitchen I thought it would overwhelm the space if I did it in my powder room and I also wanted my problem to be different but it's pretty I guess I just looking for a second opinion Thank you very much for your time! Anyone have Rohl faucet are they worth it? It has tje cross handle I love the kook not sure on color ?

Look at all white kitchens and see which ones appeal to you most. And then study those to see what makes them different than others. Could be the backsplash, countertops, or statement lighting. The wood sample you have is very pretty. Love the tones in it.