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Message: <blockquote data-quote="JD8" data-source="post: 4224166" data-attributes="member: 24"><p>Well, I've seen both sides of that story.  Mostly in commercial property but there's all sorts of commercial property out there that is insured for way less of it's value or what it would take to replace.  In a perfect world this should be just fine.  The problem is that these property owners tend to sue after they get pissy with the check they get from insurance company in a total loss, even though the value is agreed upon by both parties. I've seen it happen multiple times.</p></blockquote><p></p>