Monday, November 2, 2009

Before, During, After

Before: We thought we didn't have Comp(fire) coverage.
Fortunately S. had included it, so we're looking covered.

During:

A shot provided by Ron and Jackie from the "During" period.
This is the big puff of smoke/steam from when they knocked out the side window and were spraying down the insides to cool things off before using the foam shown in the earlier post.

After: We had a meeting with the very nice insurance adjuster guy 'Chris' and spent an hour-and-some filling out a bunch of paperwork. Next business day a flatbed tow truck came by and hauled off the vehicle, now known as the 'Crispy Marshmallow', off to a yard in Eugene.
They did a 'condition assessment' there and turned it over to some sort of analysis team who are going to try and figure out what happened. More on that here once we know.

Insurance: Turns out they don't do it like you'd expect.
There is a separate arm of the insurance co. (or maybe they're outside, I don't know) that establishes the 'before' value. There were no dealer 'used' sales for them to look at so they had to survey dealers for new prices and then discount from there. Then they add back in the accessories (at 100% since this is a 'motorcycle') ...and came up with a number that was greater than what we paid. Really odd. They have the original paperwork with the price paid and most of the accessory adds right there in black and white. Mostly black, since the paperwork was in the car at the time... You think they would pay attention to that, but no, they have their process. Not complaining mind you since they're paying out over a grand more than what we have in it. We're the luckiest unlucky folks you know.