I lost my eMac in a house fire. What will my insurance company give me in replacement of that?
June 8th, 2010
We just had a house fire, and my eMac was lost in the fire. (Along with my whole house)
So what I’m asking is what will my insurance company give me to replace it? They don’t give cash for it, i know that, but will they give me the brand new flatscreen iMac? Because they don’t even make eMacs anymore.
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You will get a check for the fair value of a used eMac. Don’t expect more than $200.
You will have to speak with your adjuster and discuss this issue with them, as every company will handle this differently. It’s possible to negotiate replacing with an iMac, however it will be an iMac with the smallest screen, the slowest processor, and the least amount of memory in order to closely resemble what you had before.
Oh, they should give depreciated value for that, along with the rest of your items. If you have replacement cost on your policy, AFTER you replace it, they’ll give you the difference.
You’ll have to negotiate with the adjuster, what the “replacement” cost will be.