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Margaret suggest to Ivan that he hire a private fire or claims adjustor. It will be well worth the 10 % or less fee that he will have to pay. I have used then several times and it was well worth the effort to have a professional on my side. As example Insurance company at first gave me full credit for destroyed rug but never mentioned rug pad which was almost as expensive as rug and cost of relaying rug pad as well as rug. They (insurance companies conviently forget ) a lot of small items that a professional fire adjustor will pick up on Dale