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Contents Claims Solved: The Case of the Persian Rug

Water damage rendered a $25,000 Persian rug a total loss. Was the value inflated?

By Tom Kirkpatrick | Updated on April 02, 2012

An adjuster was presented with a water damage claim involving what was described as an antique 10-foot by 13-foot Heriz Rug valued at $25,000. The water damage caused the colors to run, rendering the Persian rug a total loss according to the insured’s claim.

The owner provided the adjuster with the provenance of having inherited this early 20th century rug from a family member. The owner also provided documentation of having spent several thousand dollars restoring the rug to what was described as “pristine” condition.  Initial online research using the term “Heriz rug” along with the age, size and the word “pristine”, supported the $25,000 claim. Nonetheless, the adjuster had some reservations about whether or not the rug was a total loss, and called in contents claims specialist to consult on the case.

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