normally, i try to avoid jumping in on insurance,however the last,implies defrauding.everyone complains about their insurance rates and the last is a prime example of why they are so expensive.if they are salvageable it is the policyholders obligation to do what is reasonable and needed to mitigate the damage.if a company pays for an item they are entitled to the remains or if you will salvage. policys have limits and his may not be enough to cover the damage.incidently,policies provide for preserving the damaged items,ie;they will pay a reasonable amount for expenses,such as cleaning or oiling.i spent twentyeight years in adjusting from field adjuster to branch claims claims manager.our job was and still is to see that the person who suffers a loss gets paid fairly and to all policyholders in general to not over pay and cause rate hikes.the majority of adjusters want to be fair.insurance is like everything else some are better than others,but to me if we give the benefit of doubt to each other things usually go much smoother. my $.02 worth plus some.
