Our ceiling collapsed, questions about renters insurance
Our ceiling collapsed in the master bedroom, the entire ceiling every single piece of it. A majority of my clothing got destroyed along with a lot of durable medical equipment that was super expensive. Our tv and mattress too and all our bedding.
Everything is covered in fiber glass, and I have severe chronic illnesses so attempting to salvage stuff at the risk of me getting contaminated with fiber glass can’t happen.
Our landlord is having the ceiling fixed but so far that’s it.
The renters insurance is asking us to provide proof and receipts of everything that was damaged… a lot of my clothing is old and I don’t have receipts.
I guess I’m just asking for advice and trying to figure out how screwed we are. We already had to spend a ton for me to get new clothes cause fiber glass hit everything in my closet, I don’t even have underwear. I had to get new everything just to go to work and even cheap Walmart stuff costs money when you need every single piece of clothing to function in society.
We also have a brand new mattress that I do have the receipt for, and a tv that got broke but no receipt for that.
I am very frustrated cause I know they aren’t going to just hand us a check but also, I have to replace thousands in medical garments along with our mattress, tv, blankets, pillows, and almost all my clothes cause very little didn’t get hit (and what didn’t get hit is winter items and it’s 90 where I’m from so it’s not usable for the near future).
We aren’t trying to play the system or get more than what we’re owed, but I also buy expensive clothes and I’m out a large portion of my wardrobe, and it already seems like based off my call with the adjuster that they are already trying to pay as little as possible.
What can I do here? I’m feeling really defeated and our whole lives are turned upside down now. We can’t even touch anything until an in person adjuster comes which is frustrating as well.