Our adjuster totaled our roof and large entry gate. Also added the workshop
(12 X 20) roof although it had no damage and about 75 feet of privacy
fence.

Shortly after his visit we took off for a week to the P'cola Naval Base to
enjoy the beach. Returned yesterday to find a settlement check in the PO
Box for the full amount of the damage. The check is actually very slightly
more than the estimates I have. The house is 12 years old. I sure
recommend "Replacement Cost" coverage for a small premium increase. Not
having to pay for depreciation on a 12 year old roof and fence is wonderful.

BTW, the company is USAA. The premiums may be slightly higher than average
but the service is probably the best available.

YMMV,

Butch

Harry,

The dwelling and contents are insured at replacement cost value. We had no
damage to the contents despite losing many shingles. The underlying felt
kept the wtaer out despite very strong winds.

Butch
"Harry Krause" wrote in message
...
Butch Davis wrote:
Our adjuster totaled our roof and large entry gate. Also added the
workshop (12 X 20) roof although it had no damage and about 75 feet of
privacy fence.

Shortly after his visit we took off for a week to the P'cola Naval Base
to enjoy the beach. Returned yesterday to find a settlement check in the
PO Box for the full amount of the damage. The check is actually very
slightly more than the estimates I have. The house is 12 years old. I
sure recommend "Replacement Cost" coverage for a small premium increase.
Not having to pay for depreciation on a 12 year old roof and fence is
wonderful.

BTW, the company is USAA. The premiums may be slightly higher than
average but the service is probably the best available.

YMMV,

Butch


Good for you. Hope your rebuilding is relatively uneventful.
Were your contents at replacement value, too, or were they depreciated?


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