Posted by dhermesc on October 22, 2015 at 08:35:18 from (24.248.193.103):
In Reply to: Home owners insurance posted by Charlie M on October 22, 2015 at 07:17:50:
With a lot of insurance companies the age of the home determines "replacement cost" or "loss value" and they'll state it in the policy - usually along with the value of the loss they will cover. My policy lists every building and it's estimated replacement value. If you have an issue with the values assigned the time to claim a higher value is when the policy is written - not when you already have a loss. My experience has been both are usually pretty good - with the right insurance company (meaning not Farm Bureau). My brother's house burned down about 10 years ago. A very old (85+ years) home in poor condition. He had looked at actually tearing it down and putting up a new one but didn't because the money wasn't right. The old furnace sparked off a fire that burned it to the foundation. A house that was marginal at best netted him over $98K with 60% more for contents.
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