We had a total loss to our home and contents to a fire. We were underinsured. Our insurer is honoring the evaluated replacement of loss of dwelling. The loss of contents is based on a percentage of the value of the dwelling. Are we entitled to the higher percentage value on the contents of loss?
State: 
California

About The Expert

William Hedden

William Hedden is President and CEO of Consolidated Adjusting, Inc, a public insurance adjusting firm. In 1991, he became a licensed Public Insurance Adjuster with the California Department of Insurance. He is also a licensed real estate broker and a licensed B-1 general contractor in the State of California. He earned a law degree from Hastings College of Law and was admitted to the State Bar of California in 1979. Mr. Hedden served on United Policyholders' Board from 1997-2016.