When we got flooded in 2019, a person came around and we showed them everything that was damaged and they ticked everything off for a claim, realistically we could have gone a bit harder on damaged items but it was all such a shock at the time and we just wanted to get back to normal as soon as possible. Once damaged items were assessed as damaged it was up to us to find an equivalent or reasonably equivalent item for sale elsewhere, it was also our responsibility for the the removal of the damaged items, some, once dried out were fine but we had already had our claim approved before that. This system of loss assessment was a bit of a surprise because it would have been very easy for us to rort the system with frivolous claims. This part of our loss was a cash payment. We are with Suncorp. Going by how it all went our contents insurance includes (value-wise) my collection so I guess if we lost all of our contents say through fire where it was all unidentifiable it would just be a payout for our contents cover.
I still function.....................while killing threads. ;-)
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