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From YouTube: Rebuild Workshop #1 Inventorying and Valuing Contents
Description
Rebuilding Together Peninsula's Dollars and Sense:
Home Repairs, Insurance, Rebuilding & Recovery
Workshop #1 Inventorying and Valuing Contents
January 9, 2011
Skyline College
A
A
So
we
put
together
panels
of
experts
who,
hopefully
we'll
be
able
to
address
pretty
much
anything
that
that
has
come
up
so
far
for
you
related
to
your
personal
property
and
contents,
your
repairs
rebuilding
and
we
are
at
the.
In
the
last
workshop,
we
will
have
a
CPA
and
a
realtor
and
somebody
from
pge
who
will
be
able
to
answer
questions
about
both
the
concept
of
using
your
insurance
money
to
not
rebuild,
but
instead
to
buy
a
replacement
home,
as
well
as
the
concept
of
participating
in
PG
knees,
value
assurance
program.
A
So
we
will
have
those
experts
in
the
four
o'clock
panel
we're
going
to
be
giving
you
15
minute
breaks
between
each
one.
We
don't
expect
you
to
stay
for
all
four
I
want
to
thank
again
san
bruno,
cable
for
coming
and
and
filming,
and
that
way,
if
you
do
have
to
leave,
you
may
be
able
to
watch
it
at
a
future
date.
Just
like
we
re
broadcast
the
insurance
program
kerry.
Is
there
a
way
that
people
can
watch
that.
A
A
Okay,
so
there's
way
too
many
people
to
thank
then
we
have
time
for
here,
I
I.
Definitely
I
do
want
to
thank
the
Silicon
Valley
Community
Foundation.
There's
a
representative
here
from
the
foundation
Ellen
clearer
in
the
back.
There
and
she's
been
coming
to
many
events
and
they
really
have
their
heart
in
your
community,
and
my
staff.
A
I've
got
Paige
la
verdad
here
and
K
coats,
who's
going
to
be
a
presenter
and
then
Emily
Cabral
who's
at
the
table
inside
and
then
the
team
at
rebuilding
together
is
just
been
great
and
a
pleasure
to
work
with
and
a
great
resource
for
your
community.
So
very
briefly,
the
disclaimer
in
fine
print.
The
information
presented
in
the
following
workshops
is
intended
for
general
educational
purposes
and
should
not
be
construed
as
legal
advice.
The
volunteers
speakers
are
generating
their
time
as
a
public
service
to
the
San
Bruno
community,
both
United
policyholders
and
rebuilding
Together.
A
B
Good
morning,
I
guess
we
are
in
afternoon
I'm
still
in
morning,
though
so
sorry
that
you
guys
are
having
to
go
through
this.
However,
it
does
get
better
and
inventory
is
not
something
that
you
should
think.
Like.
Okay,
I'm
going
to
fill
this
out
and
be
done.
You'll
keep
remembering
things
you'll
keep
wanting
to
write
them
down.
You
may
have
already
started
a
list.
You
may
have
something
done
electronically
already.
All
is
great.
Don't
worry
that
you
have
one
thing
and
then
we're
here
giving
a
tool,
and
like
oh,
my
gosh,
how
do
I
transfer?
B
B
Obviously,
some
of
the
emotional
tie
when
you're
doing
your
contents,
but
once
again
gets
you
back
down
to,
let's
make
sure
we
can
get
this
recorded
and
then
we
can
move
on
and
that's
the
moving
on
is
really
a
nice
fresh
thing
to
do,
and
once
you
get
this
part
behind,
you
you'll
be
moving
forward
and
it's
a
lot.
It
does
get
a
lot
easier.
So
anyway,
can
you
pull
up
that
spreadsheet?
B
B
I
picked
an
easy
room.
We
are
on
the
living
room,
family
room.
Could
you
pull
the
spreadsheet
down?
It's
on
lot,
see
I.
Have
that
the
top
part
is
the
titles
and
I
want
to
get
down,
so
you
can
see
an
entire
like
from
the
very
top
so
like
there,
you
go,
keep
one
that's
good!
We
need
to
get
column
a
in
if
we
can
get
that
over
you're
missing
column.
B
B
We've
got
them
categorized.
This
is
just
to
help
II,
you
know
get
around
if
you're
familiar
with
the
spreadsheet
excels
got
plenty
of
help
out
there,
but
you
can
sort
it.
So
you
can
see.
I
just
want
to
do,
electronics
or
whatever
area
and
like
I
said
it
may
not
have
everything
that
you
want.
You
can
type
over
something.
That's
not
there.
At
the
very
bottom
of
the
spreadsheet.
There
is
room
to
add
pieces
that
you
don't
you
do
or
don't
have.
There
is
a
tab
fa.
B
B
This
is
available
to
you.
As
on
these
little
flash
drives
that
we
will
give
out
to
you-
and
this
also
has
a
lot
of
recovery
information
that
will
help
get
you
around,
so
you
will
take-
you
can
take
this
home
and,
like
I
said
you
can
take
what
you
have
and
stick
it
in.
You
can
keep
them
separately
and
just
add
on
how
all
those
are
great
tools
for
inventory.
B
So
then
it's
got
type.
It's
got
what
room
just
so
we
could
keep
things
kind
of
separate
you'll,
see
all
these
different
tabs
on
the
bottom
kitchen
bedroom
bath,
dining
room.
You
can
click
on
one
of
those
of
you
want
to,
and
just
take
you
to
a
same
type
of
thing,
but
what
property
you
might
find
in
that
room,
you're
going
to
have
your
purchased,
you
guys,
some
of
that
you
will
know
some
of
it.
You
won't,
but
it
will
help
with
your
claims
process.
You
also
have
quantities.
Let's
say
you
had
three
TVs.
B
If
you
don't
need
this
kingdom
separately,
you
can
put
quantity
in
their
basic
costs
that
it
basically
will
cost
for
Nobu.
We
want
to
put
them
what
what
its
value
debtors
it.
Okay
she'll
be
discussing
that
okay,
but
you
got
your
cost
and
then
there's
a
way.
That
else
is
going
to
get
into
a
little
more
about
how
to
do
your
depreciation
and
value
of
that.
Is
that
correct?
Okay?
So
this
is
just
a
tool
and
I
like
I
said:
we've
tried
to
have
it
is
pretty
extensive
in
there
don't
get
overwhelmed
when
you
think.
B
B
This
point
this
is
basically
you're
going
to
start
by
did
I
have
that
or
not,
and
then
the
costing
is
going
to
be
discussed
a
little
bit
with
Allison
hear
about
how
to
fill
that
out.
So
you
can
use
that
towards
your
claim
pro
so
part
of
its
can
depend
on
your
insurance
company
and
what
they're
going
to
acquire
from
you.
I
know
for
myself
that
I
did
do
some
cost
up,
but
my
insurance
company,
when
they
when
I
finally
got
down
to
it.
They
just
want
to
know
what
the
heck
I
had.
B
They
didn't
really
want
to
know.
If
I,
you
know
how
much
so
a
little
bit
of
combination,
they
took
it
and
then
they
could
run
it
through
some
of
their
programs.
I
had
a
total
loss,
and
with
that
and
I
had
a
Mart,
my
insurance
company
would
did
pretty
well
with
us.
They
really
just
wanted
us
to
settle,
of
course,
don't
feel
rushed
into
that
too.
It
takes
a
long
time.
B
A
Portion
where
you
can
ask
all
your
questions
at
the
end
and
before
I,
introduce
Allison
hunt
with
the
green
stone
company
I
want
to
take
you
back
for
one
second,
to
keep
this
in
context
that
that,
as
kay
mentioned
you're
at
probably
different
stages,
some
of
you
may
already
be
done
with
your
inventory.
Some
of
you
may
be
working
on
a
claim
with
PG&E.
If
some
of
you
may
be
working
on
something
with
your
insurance
company,
but
it
doesn't
matter
for
what
purpose
you
are
doing
it.
A
You
still
need
to
document
what
your
losses
were
from
the
event
so
that
whether
it
be
for
PG&E,
for
your
insurance
or
for
tax
purposes,
that
what
matters
is
having
this
nice
list
with
numbers
attached
to
it,
because
you're
going
to
get
into
negotiations
and
you're
going
to
be
wanting
to
settle,
and
you
want
to
make
sure
that
you're
going
you're
getting
a
fair
settlement.
And,
of
course,
it's
important
that
you
not
claim
things
that
you
didn't
have,
because
that's
going
to
open
up
problems
and
who
needs
that
right.
A
So,
just
because
we
give
you
this
extensive
list
that
doesn't
mean
that
you
just
go
down
and
submit
it.
That
means
you
have
to
make
sure
that
you're
just
marking
the
items
you
actually
had
so
Allison
hunt
is
a
contents
claim
specialist
she's,
a
professional
with
a
company
called
greenspan
AI,
and
they
have
offices
around
the
state
she's
out
of
there
sacramento
office
and
the
days
a
lot
of
insurance
companies
are
breaking
up
the
claim
process
to
with
their
giving
you
two
adjusters
to
work
with
those
of
you
who
have
total
losses.
A
Red-Tagged,
you
may
be
working
with
both
a
contents
adjuster
with
your
insurance
company
and
then
a
dwelling
claim
adjuster.
So
allison
is
just
a
content
specialist.
So
if
you
have
had
your
home
or
your
business
damaged
or
destroyed,
she
would
be
your
gal
if
you
feel
like
I
just
cannot
deal
with
this,
which
is
a
perfectly
fine
way
to
approach
the
situation.
Not
everybody
has
the
time
or
the
energy
to
do
this
themselves.
In
fact,
a
lot
of
people
people
ask
me
I've
been
doing
this
for
a
very
long
time.
A
Well,
if
you
had
this
happen,
what
would
you
do
I
say:
well,
I'd,
probably
hire
a
professional
as
I
have
little
kids
and
I,
just
don't
and
I
work
full
time,
so
I
just
don't
have
the
time.
It's
a
personal
decision
and
we're
giving
you
the
information
you
heard
from
a
do-it-yourself
option
and
now
you're
going
to
hear
from
a
professional
alison
has
been
with
the
Greenspan
company
for
seven
years
and
all
she
does
all
day.
A
Long
is
work
with
people
on
inventory
and
valuing
there
any
damaged
or
destroyed
personal
property
and
then
negotiating
with
the
insurance
company,
which
is
a
whole
nother,
a
whole
other
ball
of
wax.
It's
one
thing
to
list
and
put
the
numbers.
It's
another
thing
to
start
negotiating
because
the
concept
of
depreciation,
meaning
what's
the
reduced
value
of
this
item
because
of
its
age,
is
complicated
and
I
find
it
complicated
and
I've
bet
allison.
Is
it
complicated
after
doing
it
for
seven
years,
take
it
away
Allison.
Thank
you
for
coming.
First.
C
Off,
let
me
thank
you
for
coming
here
today,
it
being
a
Sunday
I,
appreciate
you
taking
time
out
of
your
day.
Yes,
I
appreciate
you
taking
time
out
of
your
day
to
come
here,
to
listen
to
us,
speak
to
offer
advice
to
you.
So
thank
you
for
that.
As
she
said,
my
name
is
Allison
hunt
I
work
with
the
Greenspan
company,
adjusters
international,
where
public
adjusting
firm
who
acts
as
a
liaison
between
the
policyholder
and
the
policy
issuer,
as
was
stated,
sometimes
you
might
not
have
enough
time
to
do
losses
yourself.
C
You
might
not
have
time
to
compile
the
inventory.
You
might
not
know
where
do
I
start
what's
considered
contents,
what's
not
contents?
What
can
I
claim?
What
can
I
not
clean?
So
that's
where
we
come
in
and
that's
where
we
assist
you
and
age
you
in
that.
So
what
I
want
to
talk
about.
First
is:
what
does
doing
an
inventory
mean
doing
an
inventory
means,
and
it's
a
contents
inventory.
C
If
you
have
electronics,
you
want
to
be
able
to
note
note
8
what
model
numbers
are,
what
serial
numbers
are
photo
document
everything
you
can
possibly
photo
document,
the
more
pictures
you
have,
the
better.
It
substantiates
your
claim
that
you've
had
the
items
you
want
to
be
able
to
list
any
kind
of
brands
that
you
have
on
clothing.
You
might
have
jeans,
but
are
those
jeans,
Lee
jeans,
or
are
those
jeans
true
religion,
jeans?
C
So
if
you
tell
the
insurance
company,
you
have
10
pair
of
jeans,
but
you
don't
state
what
type
of
jeans
those
are.
Then
you
might
not
be
getting
the
fair
replacement
cost
for
those
items.
So
the
first
thing
is
is
just
to
know
that
you
had
a
loss.
Where
do
you
start
with
that
loss?
What's
considered
contents,
what
do
I
need
to
document
where
we
come
in?
Is
we
physically
get
out
into
the
field?
C
The
way
that
you
can
look
at
that
is,
if
you
take
the
roof
off
of
the
house,
you
turn
the
house
upside
down.
Whatever
falls
out,
that's
going
to
be
contents.
If
it's
stuck
to
the
house,
then
that
should
go
to
the
building
part
of
it,
and
then
there
are
some
other
items
to
wear.
If
you
think
about
it,
that
well
am
I
going
to
take
those
blinds
with
me
when
I
move
and
if
that's
a
question.
C
Yes,
then,
that
can
possibly
be
considered
a
contents
item
2
and
then,
as
far
as
talking
about
depreciation,
and
how
are
my
things
going
to
be
valued,
you
have
to
look
at.
Where
do
you
do
your
shopping?
How
do
you
shop?
Do
you
shop
at
stores
to
argot
Walmart?
Do
you
shop
Macy's
Nordstrom's?
Do
you
shop
Bergdorf
Goodman?
C
So
you
have
to
look
at
how
you
do
your
shopping
and
where
you
do
your
shopping,
you
might
have
things
that
you
purchased
at
a
furniture
store
now
that
furniture
store
is
no
longer
open
for
business,
so
what
you'll
have
to
do
is
find
a
store,
that's
comparable
to
the
store
that
you
made
the
purchase
that
you
might
even
look
at
the
brands
that
you
purchase.
Even
though
the
brant
the
store
went
out
of
business,
those
brands
might
be
available.
Someplace
else,
that's
going
to
be
a
comparable
replacement
for
you.
C
Now
what
you'll
run
into
and
doing
an
inventory
list
on
a
pre-formatted
form
from
the
insurance
company
they're
going
to
want
to
know
how
much
did
you
pay
for
something?
So
you
might
have
bought
something
five
years
ago
for
two
hundred
dollars
say
a
DVD
player
or
TV
for
two
hundred
dollars
five
years
ago,
but
today
that
type
of
TV
might
be
might
cost,
say
three
hundred
and
fifty
dollars
so
you're
entitled
to
what
that
replacement
cost
is
not
necessarily
what
you
purchased
it
at
and
then
to
figure
out
from
there
on
the
replacement
cost.
C
So
your
replacement
cost,
for
that
said,
TV
would
be
three
hundred
and
fifty
dollars
the
insurance
company.
And
then
we
too
will
take
an
item
and
we'll
apply
a
depreciation
percentage
to
that
that
depreciation
percentage
might
change
from
category
and
electronic
might
depreciate
differently
than
a
say,
a
t-shirt
and
in
the
state
of
California
it
is.
C
It
is
the
ruin
it's
the
law
to
depreciate
your
contents
items
based
on
the
condition
of
the
item,
not
the
age,
so
you
have
that
TV
for
five
years,
but
it
might
have
set
in
your
guest
room
and
maybe
watch
three
or
four
times
a
year.
Insurance
company
will
come
on
and
do
a
depreciation
based
on
that
five-year
period.
C
So
what
you
can
do
too
is
you
might
find
that
friends
family
have
come
over
for
Christmas
Thanksgiving
birthday
parties,
so
you
might
seek
that
type
of
solicit
that
type
of
help
out
with
family
members
or
friends
to
see
if
they
have
photos
to
help,
prove
your
loss
and
then,
once
once
you
determine
what
the
depreciated
value
is,
which
in
the
state
of
California.
Let
me
mind
you
is
based
on
condition
not
age.
C
C
So
please
give
me
the
other
275
225,
whatever
the
difference
is
back
to
me,
please
so
there's
many
steps
in
the
contents
process
and
it
is
very
time-consuming,
very
tedious
and
one
thing
about
contents
and
opposed
to
the
building
in
the
bin.
A
building
and
in
a
house
you've
got
studs,
you
have
dry
walls,
you
have
roofing,
but
as
content,
you
have
emotional
attachment
to
everything.
You
have
personally
picked
out
these
items,
so
please
don't
ever
think
that
anything
that
you
have
is
ever
insignificant.
C
I've
worked
with
many
clients
that
have
said
Ali,
no,
don't
count
it.
It's
just
not
significant,
and
in
doing
so
we
have
found
that
listing.
Those
in
significant
items
can
add
up
to
fifteen
thousand
dollars
easy
okay
and
then
one
point
I.
Do
you
want
to
make?
Is
that
with
any
kind
of
loss
that
you
have,
if
you
do
have
photos
the
more
photos
you
have?
The
better
photo
document
photo
document
photo
document
because
it
substantiates
your
claim
and
then
what
I'd
also
like
to
make
a
note
of
is.
C
Your
contents,
you
have
no
mortgage
on
your
contents.
You
have
no
Bank
wounds
on
your
contents.
You
have
full
rights
to
that
money
immediately.
So
once
you
make
your
contents
claim,
you
can
hopefully
expect
a
check
in
the
mail
pretty
quick
on
your
building
or
your
dwelling.
You
might
have
a
mortgage
on
it,
so
that
check
is
going
to
be
made
out
to
you.
It's
going
to
be
made
out
to
the
mortgage
company
with
contents
get
into
your
contents.
Do
it
immediately?
A
C
Should
have
been
inventory
listing
was
made
and
the
insurance
company
has
it.
You
should
be
in
receipt
of
that
inventory
listing
with
that
check
now
a
lot
of
times.
The
insurance
company
will
give
you
a
cash
advance
to
for
you
to
be
able
to
go,
get
up
and
started
so
you're
not
going
to
have
any
listing
for
that.
Yet
so
what
you're
going
to
want
to
do
is
you're
going
to
want
to
keep
your
receipts,
so
you
can
verify
what
you've
purchased
and
match
it
up
to
the
claim
later.
C
C
I'll
tell
you
a
very
nice
website
as
shopping
calm.
You
can
go
in
there
and
you
can
search
for
just
about
anything.
The
google
search
is
really
very
nice
to
just
googling.
Any
kind
of
text
will
be
able
to
pull
you
up
to
those
particular
items.
You've
got
options
to
search
by
images.
You've
got
options
to
search
by
web
web
references,
you've
got
options
to
search
by
shopping,
so
those
are
two
very
good
websites.
You
did
bring
up
a
very
good
point
about
ebay,
though
so
when
you're
valuing
your
item
alysha.
C
So
you
have
a
very
unique
item,
a
collector's
Mickey
Mouse
mug
from
1950s,
and
they
just
don't
have
them
anymore
right.
So,
let's
just
say,
for
instance,
you
find
that
particular
mug
on
ebay
for
thirty
dollars,
since
that
is
a
value
of
a
used
value
in
sense.
That
item
should
not
have
any
kind
of
depreciation
applied
to
it,
because
you
are
using
a
used
source
for
that
item.
Yes,
sir,
it
is
really
a
priceless
situation
that
you
have
there,
but
what
you
do
is
you
try
to
get
as
much
information
as
you
can?
C
You
can
look
to
see
photo
reprints
typically
cost
you
about
nineteen
cents
a
photo.
So
if
you
had
300
photos
in
a
photo
book,
you
should
be
able
to
get
get
compensating
for
those
300
photos
at
that
nineteen
cents.
Let's
just
say
you
have
a
professional
portrait
done
and
that
professional
portrait
cost
you
two
hundred
and
fifty
dollars.
You
should
still
be
able
to
get
compensated
for
that.
The
heirlooms
could
be
a
little
bit
more
difficult
to
value,
but
there
are
some
sites
out.
C
There
say:
goantiques,
calm,
ruby
lane
on
beyonce
antiques
that
can
kind
of
help
with
things
that
are
similar,
let's
just
say.
For
instance,
you
have
a
1920s
walnut
dining
table
with
two
dividers,
but
you
can't
find
the
exact
same
thing.
So
what
you
want
to
do
is
try
to
find
something
comparable
within
this
ear.
Yes,
sir.
C
What
we
would
first
want
to
do
is
find
out
exactly
what
you
had.
Sometimes
you
might
find
it
necessary
to
bring
it
an
art,
appraiser
furniture
appraiser,
an
appraisal
that
can
tell
you
exactly
what
I
wasn't
until
din
it.
The
wet
the
the
Internet
is
just
a
big
vast
knowledge
of
information
or
grouping
of
information
to
where
you
can
really
find.
Just
about
anything
you
need
to
know
on
the
Internet.
C
Sometimes
it
does
require
calling
picking
up
the
phone
and
calling
the
US
Mint
to
tell
them
that
you
have
this,
and
this
is
what
what
you
want
them
to
tell
you
about,
and
if
you
don't
have
it
anymore,
what
was
it
worked
at
the
time?
And
what
is
it
worth
that
today?
You
also
have
many
coin
collectors
out
there
and
shops
to
where
you
just
get
on
the
phone
and
start
calling
them
and
telling
them
much.
You
have
same
with
the
stamp
stamp
collecting.
Yes,.
A
C
A
C
Depends
on
the
extent
of
the
collection,
if
you
have
just
have
say,
like
three
or
four
coin
collections
from
the
u.s.
mint,
that
I
think
that's
something
you
might
be
able
to
value
on
your
own.
If
you're
starting
to
get
into
different
types
of
currencies
that
date
back
to
the
1800s
1700s
that
type
of
stuff,
then
I
would
recommend
bringing
somebody
into
do
that.
The
M
in
talking
about
sub
limits,
that
is
true,
policies,
do
have
sub
limits.
C
A
lot
of
people
will
just
sign
the
piece
of
paper
and
say:
okay,
well,
I've
got
insurance
on
my
home.
Now
great
I'm
covered
for
three
hundred
thousand
dollars,
and
then
so.
They
think
that
that
they're
set
to
that
three
hundred
thousand
dollars.
What
can
take
place
to
within
a
policy
both
residential
and
both
commercial
is
is
those
sub
limits?
Can
number
one
act
in
your
favor
or
number
to
act
against
you?
C
For
instance,
your
policy
might
have
a
sub
limit
category
of
electronics
to
be
twenty-five
hundred
dollars,
but
you
have
three
macbooks
in
your
home
that
you
know
you
spent
seven
thousand
dollars
for
the
insurance
company
will
only
are
only
obligated
to
pay
you
up
to
that
twenty-five
hundred
dollars
and
then
baseball
card
collections
are
a
popular
one.
Cash
is
a
popular
one,
so
you
just
want
to
make
sure
that
whatever
your
policy
is
and
that's
where
we
come
in,
we
have
experts
that
know
the
policy.
We
know
how
to
decipher
it.
C
We
know
that
language
in
the
policy
is
open
for
interpretation.
So
there's
many,
many
good
things
that
you
can
see
within
the
policy,
so
I
would
recommend
that
you
do
I.
Think
the
insurance
companies
have
something
called
a
deck
sheet.
That
will
tell
you
basically
what
those
set
limits
are.
Yes,
ma'am.
C
Yeah
never
stop
just
because
you
think
that
you
have
reached
your
policy
limits,
never
stop
making
the
list
just
because
you
think
you've
got
sub
limits.
You
want
to
continue
to
document
continue
to
document.
One
of
our
funny
things
is
is
that
people
will
look
at
their
inventory
and
they're
like
oh,
my
gosh,
you
haven't
counted
the
paper
clips
and
the
post-it
notes,
but
the
more
you
counts,
the
more
the
more
detailed.
C
C
C
C
I've
had
clients
that
have
submitted
three
different
supplemental
claims.
One
of
the
things
is
you
don't
want
to
wait
until
you've
gotten
those
final
paper
clips,
because,
like
I
said,
you
want
to
make
sure
that
you
get
your
money.
You
don't
want
to.
Let
it
stay
in
the
insurance
companies
hands.
You
want
to
put
it
in
your
hands
as
fast
as
you
can.
So
you
might
find
two
three
different
supplements
that
you're
filling
out
and
there's
no
right
number
by
the
way
of
how
many
items
have
to
be
on
an
inventory.
C
Understand
on
the
receipt
what
it
was
I
was
replacing
yeah.
That
is
a
very
good
valid
point,
because
you'll
get
a
receipt
and
it
will
say:
XL
MJ,
329,
sh,
right
you're,
like
oh,
my
gosh.
What
is
that
I've
got
20
of
them,
but
you
don't
know
where
to
apply
it
to
it's
a
very
good
point
at
the
top.
You
want
to
write
down,
not
just
shirt,
but
it
might
be
Matthew
shirt
or
it
might
be
Caleb's
shirt
or
it
might
be
a
mikes
uniform.
C
So
you
do
want
to
write
down
on
there.
What
you
have,
because,
with
the
replacement
receipt
process,
the
insurance
company
leaves
you
to
do
it.
You
can't
give
them
a
whole
pile
of
receipts
to
do
and
with
our
company,
for
instance,
we
have
a
whole
replacement
receipt
process.
We
have
an
accordion
folder
that
we
give
you
we
have
how
to
follow
it,
how
to
do
it
will
even
sit
down
and
work
it
with
you.
So
so
yeah.
That's
a
very
nice
point.
Thank
you
for
making
them.
A
Version
if
you're
not
working
with
a
professional
or
even
if
you
are
what
this
is
a
recovery
organizer
and
and
as
you
heard,
you
know
from
a
professional
to
say
that
keeping
all
your
paperwork
together
is
incredibly
helpful
but
heart
during
this
time
when
you've
got
paper
flying
all
over
the
place.
But
we
we
have
we've
got
given
you
this
this
clear
sleeve.
You
can
actually
stuck.
A
B
David
you
a
question
so
since
we
lost
our
home
and
we
are
living
at
home,
that's
fully
furnished
right
now,
so
we're
not
going
to
buying
contents
for
a
long
time
correct.
So
how?
What
is
the
time
frame
for
this
process?
How
long
can
we
wait
to
get
all
our
kind
of
like
replacing
our
contents
and
they
cost
for
the
insurance,
gives
us
and
we're
trying
to
put
a
supplemental
claim
in
for
more
what
is
the
time
frame
or
how
might
not
be
built
for
a
year
and
a
half
or
two
years
it.
C
C
B
Way,
I
can
talk
freely.
One
of
the
things
too,
like
I,
said
it
does
depend
on
the
actual
insurance
policy
itself,
because
for
us
we
two
were
the
same
thing.
We
did
not
actually
go
and
replace
a
lot
of
things.
However,
my
policy
I
did
not
have
to
go
in
and
submit
okay.
Now
I
have
this
now.
I
have
that.
However,
as
a
whole,
you
know
we
lost
everything,
so
I
am
nuts.
You
know
I
have
to
go
back
and
look
to
see.
If
did
I
really
get
absolutely
everything
out
of
the
insurance
coming.
B
Obviously
you
want
to
get
to
the
maximum
that
you
can,
but
it
does
get
to
a
point
where
I
know
for
us.
It
was
worthwhile
that
we
just
okay,
we're
at
a
point.
We've
settled
kind
of
back
and
forth.
I
turned
in
supplemental
information.
They
did
not
require
us
to
actually
submit
receipts
back
once
we
purchase
those
items.
B
So
there's
some
of
that
money
came
in
to
replace
things
that
we
eventually
just
obviously
didn't
replace
their
does
get
to
a
point
in
your
life
that
sometimes
you'd
want
to
move
on,
but
you
know
like
she
said,
and
also
you
can
use
that
little
flash
drive,
also
kind
of
the
receipts
thing
you
know
you
could
take.
When
you
buy
an
item,
you
could
shove
that
in
there
make
another
column
purchase
here's
what
it
cost
that
way.
B
You're
not
trying
to
like
that
whole
paperwork
thing
gets
absolutely
exhausting,
so
kind
of
depends
on,
but
also
on.
Remember,
as
you
are
sitting
in
that
home,
without
anything
I
kind
of
made,
the
mistake
of
not
buying
really
a
whole
lot
of
anything.
So
we
moved
in
with
pretty
much
nothing.
It's
like
starting
over
yet
again
so
kind
of
breathe.
Take
time
to
you
know
things
that
you
know
that
you're
going
to
make
that
time
to
purchase
some
of
those
things
that
you
know
you're
going
to
want.
B
C
Another
option
that
you
do
have
is,
let's
just
say:
for
instance,
you
have
a
$300,000
policy
and
that's
what
your
limits
are.
Your
claim
might
come
to
four
and
a
quarter
four
hundred
twenty-five
thousand
dollars.
You
might
be
able
to
make
that
negotiation
to
say:
okay,
I'm
just
going
to
take
an
actual
cash
value,
payment
and
I'm
going
to
be
done
with
it.
I
don't
want
to
have
to
do
the
replacement
receipt
process,
so
you
do
have
that
option
and
Steve
back
here
has
a
comment.
Yes,.
B
Living
expenses
to
24
months,
in
answer
to
your
question,
you
can
submit
your
inventory
list:
they'll
pay,
you
the
actual
cash
value
and
then
talk
to
the
insurance
company.
You
can
come
up
with
an
agreement
that
the
replacement
is
not
going
to
be
done
until
the
building
is
completed.
If
you
don't
have
a
place
to
put
it,
if
they
don't
want
to
pay
for
storage,
so
you
can
work
with
them
and
it
may
take
three
or
four
years
before.
C
C
A
Sure
yeah
I
want
to
mention
a
couple,
quick,
concluding
points
and
then
ask
for
everybody
to
go
out
in
the
hallway
and
maybe
visit
with
the
vendors
until
the
next
workshop
take
a
nice
deep
breath.
So
we
can
get
the
room
ready
for
for
the
next
workshop,
which
will
be
on
construction
and
dealing
with
contractors
and
just
just
to
touch
on
another
answer.
A
United
policyholders
offers
a
free
online
claim
help
library
and
we
have
tips
that
touch
on
almost
every
single
item
that
you
could
think
of
including
everything
that's
come
up
today
and
we
have
a
depreciation
guide
and
a
lot
of
our
tips
were
written
with
input
from
people
with
the
Greenspan
company
and
other
professionals,
as
well
as
folks
like
k.
So
we
have
a
whole.
A
It
is
subjective,
but
there
are
some
benchmarks
we
offer
in
our
depreciation
basics
publication
and
if
you
have
trouble
finding
it
or
our
website
up,
helped
org
uph,
glp,
org
and
I've
been
posting
a
lot
of
documents
in
the
files
section
of
the
glenview
listserv
up
help
like
you,
p
h,
ELP
dot,
o
RG
there.
It
is
up
help,
org,
ok
and,
and
then-
and
we
will
be
talking
in
the
third
section
on
insurance
negotiations
will
touch
a
little
bit
on
the
the
big
question.
A
What
happens
if
we
have
a
fight
over
the
value
of
an
item
and
I'm
standing
my
ground
and
the
insurance
company
is
standing
their
ground?
How
do
we
break
that
impasse
and
the
bottom
line
there
is
your
insurance
company
has
a
duty
in
this
state
to
be
reasonable,
so
there
isn't
a
hard
and
fast
rule,
and
a
lot
of
it
is
negotiation.
We'll
be
talking
more
about
that
in
the
third
workshop,
and
thank
you
all.