@Mallard4468 posted:There have been other threads on here regarding this subject. However, one thing I've never seen is a report from someone who has actually made a claim. Unfortunately, that's when you really find out how good your coverage is.
A few years ago we had a kitchen sink drain back up and water was on the kitchen floor. The floor slopes to the center of our home and the train layout is located so that an area about 4 x 6 got water dumped on it. An MTH Northern, Sinclair gas station and a couple of cars got the shower. I called USAA. I said I could sell the items, report that amount and compare it to what I paid for the item. Not replacement cost, not current value, not less depreciation- original price. When I listed the items in the For Sale forum I described what happened. All items sold very quickly and USAA sent me a check for the difference between the total sale price and what I paid for the items when I purchased them new. The Northern had to be at least twenty years old and the gas station probably fifteen years old. Items were not on the PAF, just as contents on the homeowner's policy. John
