and the adjustor is cool. Just tell him/her about all the stuff that might not be covered. If they are compassionate about it they might try to help you out by increasing the report on covered damages to help pay for the non-covered stuff. I've had that happen before. You're right about the homowners covering the contents but it sounds like you didn't have that. Too bad. At least the car wasn't stolen and the damages will be covered. Just remember, even if you don't catch the guys that did it, carma will!