A standard HO3 homeowners policey should cover some if not all of the damages less the deductable. Just how much it covers will depend if you have Replacement Cost Value (RCV) or not. With RCV they pay the cost of replacing the items damaged with a simular new item. For example, You have a 18 CF freezer. They will pay the cost of buying another 18 CF freezer not a larger one. Same basic size TV and so on. You still have to contend with the deductable issue.
Now you should find out just how good your insurance company is. Don't get rid of anything until the claim is settled! They may send an adjuster out and they are going to want to see the damaged items and maybe have them checked by a repair person.
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Today's Featured Article - A Lifetime of David Brown - by Samuel Kennedy. I was born in 1950 and reared on my family�s 100 acre farm. It was a fairly typical Northern Ireland farm where the main enterprise was dairying but some pigs, poultry and sheep were also kept. Potatoes were grown for sale and oats were grown to be used for cattle and horse feeding. Up to about 1958 the dairy cows were fed hay with some turnips and after that grass silage was the main winter feed. That same year was the last in which flax was grown on the farm. Flax provided the fibre which w
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