I have over $13,000 in damaged personal property that occured due to a lightning strike during the May 2024 Duracho storm that hit the Houston TX area. It is all personal items do I need to list each item individually when the insurance deductable of $4958 is applied to all in one lump sum? Or can I lump all in a title of Personal Property the way the insurance company did?
Then in July hurricane Byerl hit and damaged the house fence etc of our home as well at the house that my husband inherrited less than a mile away. Can I enter both or do I have to choose 1 to enter? They both have about the same deductable.
