If your home catches fire, do you have the correct insurance? - WSMV Channel 4

If your home catches fire, do you have the correct insurance?

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(NBC) - Dieter Merkle still remembers the flames coming over his hillside. A fire that changed his life.

Dieter went across the street to make sure his neighbors were ok, but by the time he returned, the flames were laying claim to his neighborhood.

Hundreds of homes were lost, about 15 houses on his street when Dieter left he never looked back.

After that it was a year working with his insurance company to build a new house.

Walt Waggener with State Farm says the ability to build back after a fire can be different from house to house, much of that depending on the policy and amount of coverage.

Dieter was able to rebuild, but not replace a collection of books and art work.

The key is to know what's covered before disaster strikes. Know your deductible, your replacement costs, your limits before the flames come over the hill.

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