I've spoken with my insurer. My policy is underwritten by Lloyd's. It is a stated value policy. So no depreciation. I have a 4% deductible for "windstorms" and a $250 deductible on my personal property. So with the deductibles I won't be whole, but I will be OK. Much better than the people who live down there.

Last edited by TWB; 09/28/2017 09:21 PM.