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After the fires in California, I wonder how satisfied home owners are with their insurance coverage. Did they pay? Fair amounts? And how many are still in negotiations with the insurance company.

Usually the insurance company maintains that most of the value of your property in is the building lot. Their settlement offer is based on square footage of your buildings and average construction costs in your area plus an allowance of contents based on that estimate. If you had replacement value insurance you got full coverage; if not the offer was reduced for depreciation.

If you had recently updated your coverage, had extra riders for contents, had proof of content ownership, you were much better off. But if insurance was based on construction cost and not updated, you could really get hurt.

Then you suspect that some companies were much better than others. Minor claims are not a good measure of how they handle major disasters.
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