Originally Posted by
taciage
I have a question. I was told recently that unless your quilt has been appraised, it is treated like a "blanket" by insurance claim adjusters. Did you find that to be your experience?
State Farm was fabulous with the recovery. The three quilts were only covered as manufactured quilts. The prices were determined on the fair market value for quilts from places like JCPenney, etc.
I have found out that since I also take pictures of them when we do the inventories, and list them on the inventory, and because I have quilting machines, supplies, etc., the agent said that the valuation would be handled differently. She did say that if I have a quilt appraised it would be covered at that cost. I have had three quilts appraised because they won ribbons in various competitions.
Luckily I haven't had to find out about then new price information.
