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Coverage of items with warrantees

Posted by Indiana Lightning 
I have a HO policy with Farmers and a large deductible. Suffered a lightning strike and lost many of our electronics. Some have warrantees. Can I ethically double dip or apply to my deductible. How do I broach the subject? i cannot find anything on the net.

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Re: Coverage of items with warrantees
June 11, 2008 02:17AM
well, you are actually paying for the coverage on the items that were damaged in the lightning so you could make an argument that you are entitled to collect under both.But, if whatever state your in is like most states, the HO policy will say any other policy is primary or at least will share in the loss to some sort of %.

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