R.E. Bob Woodruff Reservoir Topics: Read your policy, and get a lawyer....

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	Name:	Osms -
	Subject:	Read your policy, and get a lawyer....
	Date:	6/18/2011 9:45:42 PM

The last two insurers on my house have had appraisals done at their cost, and their value was way above my estimate. May have been a way to increase my premium, but I had to agree to the higher value if I wanted "replacement value" coverage. BTW, replacement value only applies if you build back exactly what you had--if you decide to take a cash settlement, then my policy reads that I have to accept "market value". Like the man above says read your policy. I will add, go ahead and get a lawyer--the insurance companies do not respond to reason, what's right, what's equitable, or anything else. People will be years getting a good settlement from an insurer with a lawyer and never without a lawyer. No, I'm not a lawyer, but I saw many, many of my friends and acquaintances get screwed during Katrina.