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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
... [Read Article]
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