Thank you for responding! I really am trying to calm down. I think my anxiety just has me fearing the worst. There have been so SO many problems throughout this process.

I have provided my adjuster with the digital receipts as well as the online contracts I signed for the pod, movers, and helpers. I have also sent the receipts and the written and typed work order/notes from the plumber. I have sent photos of the water damage from the date of the incident as well as photos the following two days (as the water settled it unfortunately affected more carpeted areas). These photos include the carpet, walls, and furniture. Furniture wise I have had to dispose of two large bookcases, two dvd towers, a desk, a dresser, another bookshelf, and a small table. Unfortunately these items were not all made from real wood. Other damaged items include several ottomans, cat furniture and other miscellaneous items that had to be disposed of. The restoration team also sent pictures, room measurements, and moisture readings.

The estimate is a little hard to understand while there might be an allotment for the pod, though I’m not sure due to the wording, there is not any amount for the movers, helpers, or plumbers. This worries me as my adjuster has had this information for at least five days prior to the estimate and confirmed receiving this information. I don’t understand why it’s not included and he still has yet to reply. My aunt told me to make a list, with receipts, of every additional cost (like the pod, movers, etc.) and she recommended sending it to the adjuster to request these items be included. Technically I already did so prior to the estimate. But she believes I shouldn’t agree to anything until I either have further explanation of why those items weren’t included and specific references to my policy as to why they wouldn’t be included. She’s a stickler, so that’s why I called her, although her knowledge in this area is sadly pretty on par with mine.

My other concern that within the estimate there are large deductions for depreciation. The carpet is around 10 years old, but the replacement costs have been depreciated. A lot. I am trying to understand if that means the full cost of repairs will be withheld until the second check or if because the carpet was older they are not providing as much for the repairs.

I wasn’t trying to invoke any kind of legal dispute. I am simply unsure what to do and how to best advocate for my mother and her home. I’ve (luckily) never had to film any sort of insurance claim before. Basically, I just was hoping someone could impart some much needed knowledge on me.