State of Emergency

Update:

Rental insurance will cover lost possessions, but it will take up to three days before they come look and form an estimate for what they'll pay (minus $500.00 deductible of course).

It may also take up to three days to get the car looked at. Retail price of my car at this time is ~10K but no idea what their replacement value will be or if they'll try to repair it. Thankfully I do have comprehensive coverage, another $250.00 deductible there though.

On a humorous note:

If you pay the premium for this coverage, we will pay for sudden, direct, and accidental
loss to a:
1. covered auto, rental auto, or temporary substitute auto, including an attached
trailer; or
2. non-owned auto;
and i ts custom parts or equipment, that i s not caused by collision.
A loss not caused by collision includes:
1. contact with an animal (including a bird);
2. explosion or earthquake;
3. fire;
4. malicious mischief or vandalism;
5. missiles or falling objects;
6. riot or civil commotion;
7. theft or larceny;
8. windstorm, hail, water, or flood; or
9. breakage of glass not caused by collision

But they don't cover damages:

4. due to a nuclear reaction or radiation;

I love how they have to clarify that a bird is a form of animal. All those silly Maplers who considered birds a form of plant have been set straight.