Personal property? what do you call it? Sounds like the run around. I work in the shafting end of the auto insurance industry. Nothing you can say about insurance will suprise me. There Is a house not too far from mine that a Tornado hit and destroyed 2 years ago. the insurance still has never paid and they are in lawsuit. The insurance said it was an act of god and they didnt cover it. This is not a part of the country where tornado insurance is neccissary.

but that is sad.