I use Futurama-based names. It started with my wifi network, which I named Zoidberg, because why not. The NAS is Infosphere, the media server is Hypnotoad, etc.

So I’m an insurance agent who has also been through a house fire personally. Any of the options people have suggested here would be fantastic and far better than what most people have, which is nothing.

What I suggest to my clients is to make a video once or twice a year walking through your house, inside and out. Video makes it less likely to miss a small detail that turns out to be important later than pictures, but pictures are also helpful. Insurance aside, it’s kinda fun to look back and see how things have changed through the years. I like to do it around Christmas.

Ideally that would be in addition to a spreadsheet or something with receipts and serial numbers and individual photos of specific items, but that’s a lot of work and hardly anyone keeps up with it on a consistent and long-term basis.

Whatever you end up doing, it’s useless if the only copy is stolen, burned, or sprayed with a hose. This is one thing I keep with a major cloud provider with a local backup. At the very least, make sure you have an off-site backup that’s reasonably up to date.

I’m biased, but brokers and independent local agents are definitely the way to go. Going direct through one company means that everyone you talk to has no choice but to put that company’s priorities ahead of yours, even when they’re wrong. As an independent agent, if a company stops treating people fairly, we can just stop writing with them and offer our customers quotes with other companies. I also think there’s a lot of value in having an actual person with a local office that knows your situation and can help if things go sideways. I’ve physically been to every house I’ve ever written a policy on. You don’t get that online.

Quite a bit of what I have on my Jellyfin server is ripped from DVDs and Blu-Rays that I already had.

I’m an insurance agent and I’m constantly frustrated by shit agents and shit companies giving all of us a bad name. Not that I always agree with the decisions from our claims people, but they generally try to be fair. I’m assuming this was long enough ago that it’s too late now, but for anybody else reading this who runs into a similar situation, you may have some recourse.

My first stop, if I have a local agent, would be their office. I would calmly and politely (agents don’t make coverage decisions so it isn’t their fault) explain the situation to them. They have a vested interest in keeping their customers happy and they may have access to claims supervisors who can make it right. They probably don’t want to lose you as a customer, especially over such a small claim.

If I’m still not happy, I would start pestering the adjuster to talk to their supervisor. Don’t be rude, but be persistent. Call every day. Leave messages and emails until you get the supervisor.

If they won’t give you a supervisor or the supervisor is no help, you can go above the claims department. It’ll be different for each company, but look for contact info for the “office of the president” or something like that. In my experience, those calls always get looked into by someone who has the power to really ruin your day as an agent or claims person. If you get a call from them, you had better either have a good explanation for why you did what you did or fix it in a hurry.

As a last resort, check with your state’s insurance department. You may be able to file a grievance.

I take claims practically every day and I can’t imagine this not being paid. I’m not sure why it would even be questioned, since it’s your first claim and it’s not huge. Could be that that particular adjuster is an idiot or on a power trip, but it’s also possible that the company is just shady.

If the neighbor is doing this intentionally, I’m pretty sure it violates some pretty serious wiretapping laws.