Unfortunately after being gone from home for two days l came home to water damage.The water damage was so bad that the floors had to be taken up and we had to be placed in a motel for a short time while repairs are made.l guess my questions are these what can l expect with the adjuster (he put us up in a motel really without me asking which has been a godsend since the damage was bad) are the contents that were damaged like odds and ends covered by the water damage claim as well ? Money runs tight around my house so the added stay in the motel is nice but now l can not cook every night so its going to be almost a wk of dining out .I've never made a claim and then to have this its so overwhelming that l do not know if I am asking the right questions or am l missing something ?

Depends on what the water damage is from.. if it is from a flood, l believe most insurance policies require flood insurance. If you do not have flood insurance than l do not think so, but it depends on your policy and what the water damage is from.

You have not said what caused the wanter damage, but since the adjustor authorized paying a motel bill then it is likely he is decided that the loss is covered. The motel bill is being paid under the ''Loss of Use'' provision of ur policy, which covers for things like hotel & dining out (with provisions) for as long as ur home is uninhabitable, subject to ur policy provisions & terms.

If u have contents coverage on ur policy then it is likely ur odds & ends will be covered, but that depends on the cause of loss. The building itself has broader coverage than ur stuff, so it is possible that ur contents will not be covered. Make a list of everything damaged so u can go over it with ur adjustor, & he will tell u whether or not ur coverage will apply for them.

Your local agent, if u have one, can also be a great source of information & support at claim time. He or she can help u through the process & intercede with the adjustor on ur behalf if warranted. He or she wo not be able to specifically tell u if something from ur claim is covered or not, as they cannot do that with an open claim. But they will be able to answer general questions & lead u in the right direction.

Claims r never fun. l hope things go smoothly for u & ur family!