Insurance companies require policy holders to prepare an inventory of damaged property showing quantity, description, actual cash value and amount of loss, then justify that inventory.

    The insurance company will pay the lesser of the following three amounts:

• the limit of liability under this policy applying to the building;

• the replacement cost of the damaged part of the building for equivalent construction and use on the same premises; or

• the amount actually and necessarily spent to repair or replace the damaged building.

The insurance companies require the policyholder to adhere to strict obligations.

You, as the insured, must protect property from further damage.

Failing to do so will put the amount of your claim into serious question.

Insurance companies require a signed "proof of loss" within 60 days of their request for it.

Claimants must have a detailed inventory of all damaged personal property.

Insurance companies require accurate records of all repair expenses.

All repair expenses must be considered both reasonable and necessary.

It is not the responsibility of the insurance company to disprove that an item was damaged or lost-it is up to you to justify the loss.

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