04-27-2011, 01:53 PM
I won't buy insurance that doesn't cover full replacement, it's impractical.
The only exclusion should be improvements made after the policy date, and then only if the policy has not been upgraded to include them.
It should also cover any incidentals on the outside, like a vehicle that is burned if the fire causes it to be left, green houses and even trees.
The only thing I can say is if your client wants full replacement then a photo inventory should be taken and everything they want included should be disclosed to the insurance company.
The only exclusion should be improvements made after the policy date, and then only if the policy has not been upgraded to include them.
It should also cover any incidentals on the outside, like a vehicle that is burned if the fire causes it to be left, green houses and even trees.
The only thing I can say is if your client wants full replacement then a photo inventory should be taken and everything they want included should be disclosed to the insurance company.
Our Constitution was made only for a moral and religious people. It is wholly inadequate to the government of any other.
John Adams
John Adams