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	<title>New answer on: If an outdoor hot tub that is on my deck under a roof becomes damaged do I have to settle for depreciation?</title>

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/home-insurance/outdoor-hot-tub-deck-roof-becomes-damaged-settle-depreciation</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Wed, 26 Feb 2014 17:46:31 +0000</pubDate>

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		<description><![CDATA[ 
You never have to accept the offer of an insurance adjuster.  Most claims are paid on depreciated value.  If replacement cost coverage is elected it covers only buildings and contents.  Many things are specifically excluded.  It appears that your adjuster does not consider your hot tub as a covered item for replacement coverage.  That is his opinion.]]></description>

		

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