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[quote user="jecorbett"]I can understand the insurance company wanting the items that are total losses if for no other reason than to discourage fraud by those who would take the money for a total loss and then repair the item. I don't have any advice for cleaning the locos. If it were my layout, I would be more concerned about all the sweat equity I had put into it. It wouldn't bother me to replace the locos and rolling stock but I put a lot of time into building the structure kits and the scenery and how do I get compensated for that. I would guess one would have to get a special coverage to cover the cost of having someone come in and rebuild your layout.[/quote]If I spent 100 hours building my layout town on the 12 foot long section dedicated to it... I cannot expect to make a penny for the time. I would expect the enjoyment and pursuit of happiness to be beneficial in stress reduction and perhaps enjoying good health and staying away from the hospital or vices.If it was a layout that was purchased and built for you? Well there should be a few firms in the insurance business that insure model railroading stuff. Didnt MR run a ad for a small insurance company offering coverage in 1000, 5000, 10000+ dollar levels?If anything happened to my railroad and ,.. let's say it got burned up in a big old fire. The house plus contents will be paid for and rebuilt. What is left from that money will start us all over again provided that everything is properly handled.Personally, I dont mind rebuilding from nothing all over again. Ive done it several times already in this life.
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