I would think it might be hard collecting over above what the consider normal. Its all up to the adjuster and the insurance.
The burden is on the insured to make sure the insurance is complete and everything is inventoried and you can document. If your policy does not provide for replacement cost then you could be out of luck. They are only going to want to pay what your loss really is, not what it would cost to replace something.
I was in the process of building a big garage. The builder insisted I get insurance on the materials. When I called the insurance, the girl told me it would be covered under my home owners policy, only and if I had documentation to support any loss from acts of god, vandalism, theft, etc and I paid any additional premium that may apply. So, I provided them a with copy of the builders permit, construction estimate and bill of materials. They sent me a construction rider to my policy that covered loses up to $15,000 and expired upon completion of the project.
Be advised, some insurance will not let you collect on items they do not consider to be normal to your home. It would all depend on your insurance policy. Not all are the same and vary per individual. For instance, my insurance states that is only covers if I don't have any wood burning devices on the property. My insurance would rise considerably if I were to have one and if there was a fire, I could be out of luck totally.
2002 Pontiac TA WS6 Ram Air LS1, 6sp Hurst, TCS, CD Changer - Pewter "Last of the Breed" #3124 of only 12,516 WS6 built
2001 GMC SLT Extended Cab Z71 - Polo Green
[This message has been edited by elcamino (edited 11-01-2002).]