USAA steps up, once again. Since the tractor fire is covered on my homeowner's policy, it is actual replacement value, minus my deductible. So, the claim settlement is for the price of a brand new machine, plus sales tax, less the deductible. NO depreciation on a 15 year old tractor!
Just one more reason why I'm part of the "92% of our members plan to stay for life" that they advertise! On top of that, they were apologetic for them taking so long (I called first thing Monday morning) - saying they were being bombarded with claims from the Louisiana floods...
Why go anywhere else?