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