Reappreciation
Over a year after Hurricane Ike and we finally sent in receipts for our contents that were ruined. TWIA (Texas Wind Insurance Assoc) calls this reappreciation based on lost contents that we struggled to list and send in for approval last year. They depreciated each item and allowed an amount for repurchase, which you have to do with your own money. We hardly purchased any of the hundreds of lines of items, but we did buy furniture and some things. They did allow us to supplement for ten or so items we forgot to list, which was nice.
In all of this I can honestly say Tammy and I were ready to just get it done and over with. So much paperwork. TWIA says this will be the last check, which is fine with us. The way it has all worked out we are very happy with our new home and contents which makes the word reappreciation mean something to us besides restored value. We are just very appreciative of our home and what God has blessed us with.

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