07-18-2019, 12:24 PM
(This post was last modified: 07-18-2019, 12:31 PM by heavyhorse.)
@sw: This is EXACTLY how insurance works. It's a real downer. You probably feel pretty well screwed over. People who have never filed a major claim have this grand illusion that it's like the TV commercials, or what your agent told you. (I'm betting your agent won't even show his face now). Even with "full replacement coverage" there are unwritten rules that keep you from getting full value. If it's older than the warranty period. If it's not a "normal household item". If it's not 100% reduced to ash, they can get by with only paying a percentage. You only get the percentage of the total policy that the barn was, not the policy total. You have to not consider insurance as "making you whole", it's just a start to getting back on your feet. Yeah it sucks. Don't try to do it all at once, it's going to be a long haul. I'm really sorry.
