[Swordmaker]

The way it worked for me when I had a burglary was I made a list of the stolen items and then was able to buy modern, up to date replacements for the stolen items. For example, the best case scenario was when an adjuster for CSAA insurance was buying the replacements for me about twenty years ago (I don't think they do that any more).

However, one of the stolen items was an original Mac model 100 laptop I bought at a garage sale for $10 in u working condition. I found that the hard drive was kaput, bought a new one, installed it, installed an up-to-date version of Mac0S 7 that it could run and reported exactly what it was to the police and the insurance company and that I was into it for about $100 total loss. Imagine my shock when I came hoe from work one day and found a package from Apple containing a brand new $2400 Mac laptop to replace my garage sale junker! Replacement value means replacement value.

Funny thing is THAT laptop got stolen in another burglary six years later and they replaced it yet again!

[fireman15]

Thanks for telling us of your experience. I have never made a homeowners claim in my life and have been procrastinating. The adjuster was so nasty that it has probably made me overly pessimistic.