In a message dated 4/29/2010 9:12:28 A.M. Pacific Daylight Time,
> I (we) lost our house in a lightning related fire 1998. It was a total
loss. All that remained was ashes and charcoal. I had problems with the
insurance company regarding the estimated value of my station. Their
depreciation was way more than what I could accept. One reason was that I
depreciated the value myself before submitting the inventory list to the
> Lesson learned: Always list the full price of whatever you had and let
them do the depreciation them-self.
What you need is "replacement value" insurance. Much better than having
them depreciate everything.
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