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 - Show Coverage: Central Illinois Strawberry Festival - by Cindy Ladage and Janna Seiz. Every year the coming of summer is highlighted by different events for different people. For some, it is heralded with the end of school, tilling the garden, or completion of the planting season. To us, connoisseurs of find food, antique tractors, farm toys, crafts, and downright fun, the annual Strawberry Festival means summer is here. Every year, in Carlinville, Illinois, the Macoupin County Historical Society and the Macoupin Agricultural Antique Association team up to fill th
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