They said the large electrical items they have to get valued by the company they used to replace them. They will replace all of these and also the Jewellery.If I decide I dont want any thing replaced I can have the value in cash but at whatever price they would have paid for the items. The cash settlement was for the smaller electrical items and misc items.They didnt reduce any of the payments included in the cash settlement either.Did you sort out the reduced insurance yet?