Quote:
Originally Posted by TAKerry
If they give you an offer you are not happy with dispute it! In my case I had a 30x40 shop that burned. I was working with an angle grinder!!! Anyway I had all of my construction tools, and literally tons of materials. In one bay I had shelves full of car parts and a Tenth Ann TA I was restoring. The car parts were covered on my homeowners and I listed everything I knew of and put a price beside it from sources such as Ames, year one etc. An example I had 7 hoods! Their adjuster took my list and realizing everything I had was a used part put a replacement value. In a lot of cases they used my references and price point. But, like I mentioned, about half way through the process they hit my coverage point so there basically was no argument and they wrote me a check. The building itself was another issue. They wanted to give me about .20 on the $ the replacement value. I am a contractor and have built my share of pole barns, I know the cost. The adjuster was loballing big time. I know my agent very well and he stepped up and went to bat for me finally getting me what I deserved for a rebuild. In this case its good to know your agent and have a good relationship, not just getting a policy off the internet.
Good Luck
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As a retired Firefighter it has never seemed safe to grind metal inside a structure, but now that I am starting to use my angle grinder more and more, wondering how dangerous is it? I know obviously not to grind in the vicinity of flammable products, but anymore hard fast rules for it out there? TAKerry your opinion would be helpful thanks.