I will say this.....
after waiting for almost 2 months for a check that was "In the mail", i have closure.
$10,000 upside down, but i have closure and a new machine.
My local dealer for supertracks gave me a heck of a deal on a demo machine with only 28 hours on it, and my interest rate dropped significantly, so i made out ok.
After the run around i had waiting on my check, the president of the insurance company called me and switched everything i owned to replacement cost. !YAY!
Glad that YOU know what is needed as far as insurance goes. I fill like I could sell insurance after dealing with them on claims. Hope the economy is still good enough to support your new mower.