We had a water line burst and flood a storage area. Lots of electronic equipment was water logged, including some instruments. (And some other sentimental items.) Insurance co wants to use a company called ensurion to inventory and value what was damaged...then haul it away. We called them and ensurion as to why they want damaged goods. Turns out they want to refurbish our items and sell them to off set their, 'loss.' They said they won't pay us anything at all, (or a very, very, depreciated amount,) if we want to keep anything. So if an instrument is too damaged to actually work correctly, but I want to keep it, (Perhaps hang it on the wall,) they won't pay us for our loss of use of that instrument? How can that be legal? How can they profit off our loss?