I have Allstate and they use Haggerty and my agent seem to discourage me from using the. i have way more in my 54 than it is worth. i had a professional appraiser but i know i will have to fight tooth and nail to get any near what the appraisal is. the policy is ACTUAL cash value at the time of the loss. i was an agent years ago but i know how they work. my on saving grace is that i have been with them since 1974 and have all my insurance and a lot of my investments with them. as a side note i know they would like me to change my investments, i have a guaranteed 5% and they sending me letters frequently to review it, read change.
