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 - 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.
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