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RE: Insurance.. Do you have 'replacement' coverage?

I live somewhere in your described area "southern LA". I understand the insurance thing. We paid an insurance policy for around 20 years and had a relatively small claim following Katrina. They nickeled and dimed us on the costs, paid about 60% and then dropped us.

In a separate instance I also had lightning strike the line feeding my house. It melted half of the breakers and caused a roof leak at the entry point. I was out of town. My wife told me that the AC went out. She called our AC guy and he showed her the breaker box. It was strange. The AC went out first then other things one a a time. We had the breaker box replaced and the roof repaired rather that claim it on insurance. Deductible and costs were similar.

I guess I was lucky in that we didn't lose any appliances.Good luck.



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