[TowerTalk] Insurance claim

[w7xu]

Assume your antennas and towers were destroyed by a tornado (as mine
were last week).  Would you expect your insurance company to pay only 
for the replacement costs of what you lost, or would you expect them
to also pay for the towers and antennas to be erected by a commercial
tower company?  We're talking about a lot of work (3 rotating towers
over 130 ft., plus 2 others damaged and 44 antennas destroyed.
Negotiations with my insurance company are in progress.

Thanks.

Arliss  W7XU