You hire the meanest public adjuster you can find. Read and understand your policy. Tell them fu and stand up for yourself.

I was screwed by State Harm Insurance twice in the past. Swore it would not happen again.

I have gotten a good size check for personal items. We will see what happens on depreciation.

They paid 3090$ for by Les Paul. ACV with more when replaced.
I am plan to replace with the PRS Pauls Guitar from the Private Stock and the Faded Blue color. I cant wait.

I will replace the marshall with the new Mesa Boogie v90
and gonna splurge and a Mahaffey aw99. I also lost a small cube botique amp from Mahaffey, the little lanilei. www.mahaffey.com

I miss my old Yamaha acoustic worse than anything. Kind of like your good old dog. Remember a 600$ guitar will get you buy when you do not have 600.00 I just had to throw that in.

SF would have really died if my burmester and german physiks borderlands were gone. They are in storage as the wife dont like my toys, or me sometimes as well. Glad she cant storage me......