A friend of Clark’s recently suffered a house fire that severely damaged his home. The house can be rebuilt, but it’s going to take a lot of time and money. So, he had tons of questions for Clark about what to do. The man had not documented what was in the house on video, as Clark often recommends. So, he had to go in afterward and try to get it on tape. The friend also wanted to know what he should expect from insurance companies when he files. Well, ahead of time you want to make sure your home is fully insured. If you’ve lived in your home for five years or longer, you’re probably underinsured for a catastrophic loss. That means that if something happens, insurers only cover the amount stated in the policy. They do not repair to “like condition,” as they used to. Insurers stick to the face amount of the policy, so in a major loss you could be paying a lot out of pocket. You want to insure you’re getting what you deserve for your possessions. If your insurance company isn’t measuring up in your opinion, you may want to consider a public adjuster. Adjusters are in the insurance industry and are well versed in giving estimates. Just make sure it’s legal to hire one in your state. The two best insurers out there today are usaa.com and amicamutual.com.