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<p>[QUOTE=&quot;mirana, post: 11025305, member: 79705&quot;]Insurance valuations will require an official appraisal (usually only for high ticket items, jewelry, art), or else they go by what they (or you) find as market value or replacement value (depending on what your insurance agreement says).</p><p><br /></p><p>It&#039;s good to make a spreadsheet as you go and record what the items are, current value estimate, and make screenshots of comparables in the market. If you have a fire 10 years from now, those values will be reassessed for changes, as far as I know.</p><p><br /></p><p>Speaking from experience when i helped my family after a fire: We made a spreadsheet and the insurance only asked for proof of a single 4k item (which we had). They accepted everything else as written. We didn&#039;t even bother finding comparables other than a few electronics.[/QUOTE]</p><p><br /></p>

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