Do you mind if I ask my adjust about this "receipt" issue? I also have 50,000 in contents and I took the new replacement instead of the actual value.
Oh absolutely I dont mind. Please do what ever will help your situation.
Our jmain problem was so many different adjustors that each said something different. The first one threatened that if we did not get all of the damaged stuff out of the house we would forfeit our protection. That it might cause mold and such.
We could not hire any one at that time, as everybody was in the same situation all over town. So we did it. You cannot imagine what it was like.. litterally 2 or 3 feet deep in debris all thru the house.. with the ceiling completely down on the floor.
Well we got it all out and to the dump. We did what the adjustor said. (He saw all our damaged posessions, btw. We made a list of the items that we could remember and took lots of pictures. We had also taken pictures of the stuff before the storm hit, right before we left for north Florida.
So take LOTS of pictures.