Insurance companies are for profit businesses. The first offer is typically a "low ball" offer. Take a car for example. Your car gets hit and is undriveable. The insurance company who is at fault comes forward wanting to pay you for damages and is ready to write a check - almost on the spot. You need a car. You take the check - they save money. It is called "loss prevention". The adjusters practice "loss prevention" all of the time. Some companies I am sure are easier to work with and are fair. Others are the "real deal"!!! The longer you say NO and the longer the paperwork sits on the edge of someones desk the more you will get. All of this is too a point although. Lets face it - a 1400 bushel bin isn't too practical today so it must be fairly old???? Should the company pay for a new bin???? I guess it depends on how good yours was and if you really want to rebuild a new one. If it was in great shape and you use it to store grain replacement cost seems fair. If you really don't need it for grain and it was in a poorer state - certainly something much less. What would you be happy with to walk away with in cash???? Saying NO and building a case for what it was worth will improve your odds of being fairly compensated. Goodluck.
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Today's Featured Article - The Day Mom Drove the 8N - by Brian Browning. My Dad was wanting to put in a garden but couldn't operate the 8N and handle the old horse drawn plow he had found and rigged up to use with the tractor. Well, he decided to go get Mom out of the house and have her drive the tractor while he walked behind the plow. You got to understand that while my Mom is a hard worker who will always help whenever she can... she had never operated farm machinery before that day. Dad got her out there, explained how the clutch was the same as in our o
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