Originally Posted By: jpeck
This post was automatically imported from our archived forum.
The insurance company could have handled it this way:
Insurance company: "Here's a check for the structure and its contents."
Insured: "But I want a separate check for the mobile home."
Insurance company: "But that old mobile home had little value anyway, and even less enclosed inside a structure because it was no longer 'mobile'."
Insured: "But I want separate checks for each."
Insurance company: "Okay, here is a check for the structure less its contents, and here is a check for the mobile home."
Insured: "Hey! Wait a minute! You reduced the structure check by $10,000 but only gave $500 for the mobile home!"
Insurance company: "Right. The structure check no longer includes its contents, the mobile home was part of its contents. The mobile home has no value enclosed inside that structure as it was no longer mobile, but we gave you $500 for it anyway."