RoginaJack wrote:"with possibly financial adjustment if devalued as a result....", please explain because after all, you dropped it?
I'm not sure what you mean by this. An item that was in good condition with a nominal market value was accidentally damaged and may not be able to be repaired to the pre-existing condition and value. Hence, the insurer may pay a financial adjustment to offset the loss in value........ If you had an accident in your car, and the repairs couldn't be done to a standard that returned the vehicle to a standard and value equivalent to the pre-existing condition, would you be happy, or expect (1) the repairs to be done properly (2) the vehicle to be written off as a total loss, or (3) some financial adjustment?