I have a question for anyone who has gone through electronics replacement via Home Owners Insurance. My house was hit by lightning yesterday afternoon, either directly (according to Fire Dept...though I can find no entry / exit marks anywhere), or indirectly via Power Lines or phone lines. The following was burnt out / or destroyed by the surge: 55 inch Toshiba Projection TV XBOX (damn Ninja Gaiden gamesave gone, SHITE!) DirecTV Hughes Receiver Netgear Wireless G router Alcatel Speed Touch Home DSL modem JVC 5.1 DD/DTS Receiver 5.1 Home Speaker System My question is this : How do insurance companies go about replacing such items? The TV alone was a $2000.00 purchase a few years ago, yet it cannot even be found in stores today. Do we get enough for a comporable model? or what the TV would be worth now (practically nothing). We certainly do not have enough free cash to go out and purchase a $2000.00 TV, which would amount to a 55 inch TV with all the bells and whistles.