house fire replacement value policy claim is not being paid fairly by their insurance adjuster who falsely claiming all our electronics are deemed "business items" when we don't even have a business , but she was misinformed by the contractor who receives benefits for saying such. out of $30,000.00 worth of "electronics" she decided that they would cap us at, and only cover $10,000.00 minus 50% depreciation , so $5000.00 . this is from a house fire and nowhere in our policy does it state that we have a maximum clause for the above mentioned. It's like she 's giving this contractor/item restorer a pat on the back by allowing him to deem items restored and he in turn lies for her and she in turn saves money by not paying us the proper amount owed