Originally Posted by Stevie-Ray
"thank God we weren't home, lets call the insurance company so we can get back a third of our stuff!"
You need a better insurance company.
You should be getting full replacement value. I know, my dad just went through this with his camp. Wasn't even his primary home, his homeowners covered it anyway and wrote him a check for 100% replacement value of everything he told them was damaged or missing.
Even if it was 1/3, I fully expect that to be less expensive than a lawyer.
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.