The insurance company took a list of what I lost and sent it to some vendor outfit to replace the actual stuff.
This is actually a pretty good deal when you look at it in a certain light. A big fat check means I have to go out and buy a lot of this stuff which is a pain in the ass. It also means that if you are married that there is often a discussion over every single item being purchased, depending on the nature of the spouse.
Besides, I don't really want a pile of cash. I simply want my stuff back. I can't mow the lawn with money. I need a lawn mower.
Anyway, I was mildly surprised to find out that neither the insurance company or the vending company has cheaped out. The things that are arriving are about par with what I lost. Where possible it is a very duplicate is offered and that's fair and reasonable.
The other thing, too is that prices have gone up and if I got what I paid for something I would lose and this makes it fair. After all, I didn/t, for example, lose $129.95 plus tax when my air compressor got burned up. I lost an air compressor.
I would imagine that it also cuts down on fraud. When someone is told to get themselves a new lawn mower and send in the reciept the first thing Karen or Ken does is go out and buy themselves the $2500 Cub Cadet that they always wanted to replace the $250 mower they bought 10 years ago.
I am actually making out on this because I was 100% honest. I actually put down the price I paid for things. "One Craftsman lawn mower, push style I paid $40 for on Craigslist." My loss sheet actually had stuff like that written on it. I imagine the adjuster had a couple of WTF moments looking through it.
Actually the last item read something like this: "Ahh, yes. The obligatory priceless and irreplacable 13th century Ming vase. No suburban claim is complete without one on it. I think I paid $2.98 for mine at Walmart. Seeing at how irreplaceable it is, don't bother trying to replace it. I've wanted to get rid of it for years."
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