Wouldn't something like that be on the shop and not your insurance? I know how insurance companies can be weasels when it comes to paying out money and they give you the run around saying, we wont pay for it, they should, then they say, we aren't gonna and it seems like a never ending loop. When the car ran into our place, my renter's insurance didn't technically cover her stuff or even her injuries because her name wasn't on the policy. But she is on our car insurance policy, which we ended up using for her injuries filing as uninsured motorist causing her personal injuries and messin up her stuff. It gets pretty technical when dealing with insurance companies. I was lucky that they were cool about it and told us to go about that way of claiming. So we had two different claims. They didn't want any receipts until I gave them a list calling out how much my computer cost me to build. Then the deal was, if what they gave me wasn't enough to cover, I could show new receipts of stuff I bought to replace what got lost, and they'd reimburse me the difference.