re: Insurance Issues from Ida

quote:

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If you are paying a hurricane deductible there should be no hold backs for depreciation.

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That's not true. Actual cash value policies still have hurricane deductibles.

And even if you have replacement cost coverage, they still often hold back recoverable depreciation that you recoup later as you complete repairs and turn in receipts.


ETA: To OP, did you have a really big hurricane deductible or did the adjuster's estimate just lowball or miss a bunch of stuff? If the latter, then you can dispute it with your insurer. Get estimates from contractors and send them to your adjuster to request approval on.