Good luck.
Contents are usually insured to a percentage of the cost of the house. If you have something of extraordinary value, that may cause the total contents to exceed it. The only time it SHOULD be an issue is if there was a total loss due to fire, flood, etc.
At a minimum, I'd give him a full inventory list with values and pictures of everything. Serial numbers will also be a good thing. Keep a copy of all of this for yourself in a safe deposit box. I've just seen too many people get stuck because the adjuster will come out and say "there's no way you had $50k worth of audio equipment". Have proof.
I hope you have good luck with State Farm. As an example, many years ago, I used to do roofing, siding, remodeling, etc. State Farm was the worst to deal with. After a major hail storm, the other companies were replacing roofs left and right. The SF adjusters were up there counting damaged shingles and only paying for those damaged and then trying to discount that based on roof age. At that time, I had State Farm. Dropped them like a rock. Insurance premiums are too high already to get treated like that.
Also, remember that replacement cost is what it takes to replace that exact piece if they want to get picky. So, if you lost a 5 year old fridge, they'd have to pay you to replace it with another 5 year old fridge. They usually don't do that with household items but they do on autos and CAN on household items if they really want to push it.
Just beware.
Bryan
