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SVTPerformance's Chain of Restaurants
A Taste of Home
Mid-Atlantic Cobra Association
I don't know what to say.....
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<blockquote data-quote="JRS BLOWN SNAKE" data-source="post: 3832550" data-attributes="member: 11290"><p>Dave, my friend, so fortunate that you and the family are well. I am very sorry your car and garage are at a loss. You are a good person and things like this should not happen to anyone, let alone people like you.</p><p></p><p>We had a house fire in 1995. Lost EVERYTHING. We had each other, though. Caitlin was 1 month old and Denice was just graduating from college. It was a crazy time, but all worked out in the end.</p><p></p><p>Word of advice. Start inventorying/ writing down everything that was in the garage, date of purchase and cost of item.</p><p></p><p>We had FULL replacement value, as you may also, BUT, on a major loss, every item claimed on the loss must be documented, valued and aged. Then, a figure will be put to paper, then a depreciation factor built in, and replacement cost figured.</p><p></p><p>Being that your garage was attached, there may not be a limit, ie.., 10% of the max of your policy, as an outbuilding/ detached garage would be. Hope this is the case for you.</p><p></p><p>If there is a limit and you exceed that in your loss, the difference between the max payout and your total loss can be written off your income at the end of the year up to $25,000.00. We exceeded our coverage, and I was able to do this. Helped in getting a considerable amount more back in tax refund.</p><p></p><p>Hope all stays well. We insist in helping with ANYTHING you need,</p><p></p><p>J.R and Denice.</p></blockquote><p></p>
[QUOTE="JRS BLOWN SNAKE, post: 3832550, member: 11290"] Dave, my friend, so fortunate that you and the family are well. I am very sorry your car and garage are at a loss. You are a good person and things like this should not happen to anyone, let alone people like you. We had a house fire in 1995. Lost EVERYTHING. We had each other, though. Caitlin was 1 month old and Denice was just graduating from college. It was a crazy time, but all worked out in the end. Word of advice. Start inventorying/ writing down everything that was in the garage, date of purchase and cost of item. We had FULL replacement value, as you may also, BUT, on a major loss, every item claimed on the loss must be documented, valued and aged. Then, a figure will be put to paper, then a depreciation factor built in, and replacement cost figured. Being that your garage was attached, there may not be a limit, ie.., 10% of the max of your policy, as an outbuilding/ detached garage would be. Hope this is the case for you. If there is a limit and you exceed that in your loss, the difference between the max payout and your total loss can be written off your income at the end of the year up to $25,000.00. We exceeded our coverage, and I was able to do this. Helped in getting a considerable amount more back in tax refund. Hope all stays well. We insist in helping with ANYTHING you need, J.R and Denice. [/QUOTE]
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SVTPerformance's Chain of Restaurants
A Taste of Home
Mid-Atlantic Cobra Association
I don't know what to say.....
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