I have never filed a claim with my homeowners insurance and thus really don't know how they go about paying out. I was not anticipating going the insurance route this time either until I started adding up what it was going to cost me to replace the damaged items - Going to be at least double my deductible. I have Nationwide. I have replacement cost coverage. My house was recently hit by a power surge that I can only suspect was lightning due to a storm we were having. So I have several items that were either damaged and repairable or a complete loss. Here are the questions... Do they have determined values for items? Or do I go out and buy the replacement stuff and they pay based on receipts? I have no visible damage. Are they going to come and inspect? Do they guess how much a TV will cost to have fixed and pay more later if it is more? Anyone know how this is usually handled. Thought I would ask since I am going to have to wait 'till Monday to find out. Thanks for any input.