Posted by NY 986 on October 28, 2015 at 07:59:34 from (174.236.2.66):
How many here can insure for replacement value versus fair market value on a given unit? It always seemed that it took quite an argument to get an adjuster to pay on replacement cost which normally is higher than fair market value. Prior verification of a machine's condition would have to be a must before it would burn in a fire which seldom happens outside of stating model, year of manufacture, and hours ran. A guy I am familiar with got a much better payout than I thought he could have gotten on a burned combine. If it were possible to get double the fair market value on a combine then every less than ethical farmer would be burning combines up frequently so they could "trade up." What am I not seeing? My major pieces are not low houred so fair market is a good basis for value and the agent has never gone with the replacement value arguement.
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