Maureen, this would be a GREAT time to have all receipts for items purchased and all work done that was 'farmed out'. You might want to check if your I. co. has 'Agreed Value' coverage.
Darwin, note I said 'Agreed Value' coverage. This is HUGELY different than any form of replacement coverage. With an Agreed Value policy YOU must sit down with your agent and both of you
AGREE on a replacement cost IN WRITING.
Very little room for screwing
or being screwed.
If your agency doesn't offer this sort of package, MAYBE you might wanna consider shoping around.
Brandy, Good For You, digging around for info on your policy.... It sure pays in the long run.