We were hit by hurricane Micheal.
I have a 97 Toyota T-100 in great shape with 106,000 miles on it.
The hurricane pushed the wall of the garage in, a 3/4" shelf on the wall was pushed
against my truck and put a dent just behind and above the side window. The bug deflector on the front was
also broken and there are a couple other very minor issues.
When the adjuster came, I said, "please don't total my truck", he said "that's probably
what's going to happen."
The insurance company totaled the vehicle, my deductible is $1,000.
I had a choice of taking a check for $3,695.08 and letting them have the truck, or
taking a check for $2,968.67 and I keep my truck.
For a difference of $726.41, I'm keeping my truck.
I didn't do so well on our other vehicle, it is a white GMC van, known for chunks of paint
falling off. I think there was more paint blown off than the adjuster gave credit for.
I only got a check for $625 for the van, I could probably fight it and get a little more,
but I doubt I will ever get it painted, so I'll let that go.
On my home, the Ins Co. just out of the blue added another $13k to the $62k they had already promised,
so I think it will all work out, they do hold back 10%, and you need to show receipts to justify getting that last 10%. Seems quite reasonable so far.
We didn't do well on our outbuildings, that is called coverage B, we only had $4,050 for that, but had about
$15,000 in damage. Luckily a lot of that is repairs that I can take care of.
I consider us very lucky, we can still stay in our home, I've talked to some that had to move.
Being FI, makes this just a blip on the scale.