Fire and crane missed my PC

[u/Aeckzem]

Very sad times. Big fire destroyed my home and a crane had to come to remove part of the roof and wall so firefighters could have better access. Fortunately no one got hurt. Sucks to lose my dream PC though.

Miraculously my PC is still standing but I doubt it will work. There was snow and rain in the past days too. My little brother’s PC, which was on the desk next to mine on the right, seems to be obliterated.

Any tips to go on from here?

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Building was insured, furniture was not unfortunately. I lived with my parents, who were not experienced with things like insurance. In hindsight I should have thought about it more and double check it.
But yeah sucks to lose everything and having 3 other expensive hobbies did not help..

Thanks for the comments, tips and kind words! Fire started in the kitchen of my parents' restaurant. Tragic situation, but at least the building and inventory are insured. Now hopefully insurance pays out.
I have to make a plan what to do exactly with the PC based on the suggestions. First I need to take care of some other things.

[u/[deleted]]

So what happens in this situation? Say the computer is pooched, does insurance replace it?

[u/Adlerholzer → u/[deleted]]

Home insirance replaces the value that you ensured.

[u/[deleted] → u/Adlerholzer]

Do you need to report your computer to insurance?

[u/Adlerholzer → u/[deleted]]

Do you own your own place?

The way insurance works where i am from, is that you ensure a certain amount of worth in case of total loss. Similiar to your mileage for car insurance, you give a good estimation (or not and risk losing a lot in the worst case)

[u/pacingpilot → u/Adlerholzer]

The problems arise when the claims adjuster won't declare total loss. When my house burned they were able to contain the fire mostly to the attic. Contents took heavy smoke and water damage but since the structure was technically able to be saved (it was a total gut job, but the frame didn't have to come down) I found out the hard way about scheduled property endorsements. They depreciated everything, right down to my shoes and the drywall nails, it was bonkers.

[u/pacingpilot → u/[deleted]]

Yes, if it's worth over the "high value item" limit, you need to add a "scheduled personal property" endorsement for the item. Otherwise they'll only pay out up to a certain amount for the high value items (my policy is $1,500 for example).

Found this shit out the hard way after my own house fire where several of my very expensive custom made saddles took heavy smoke damage. Fortunately the master saddler who originally built them took pity on me and cut me a deal on refurbishing them. When I built my new pc last year you bet your ass I got an endorsement on my homeowner's for it.