So, Hurricane Sandy resulted in my power lines (pole to the house) being knocked down, this caused an electrical surge that fried most of my kitchen appliances. Most are pretty old. In my policy I do have coverage for full replacement cost, but they say they are only paying for repairs first, than if they do not work they will pay for replacement. Estimates are shown below, appliance repair man says they can order and install the parts, but they absolutely will not guarantee the work because of the amount of damage that each unit has, and they pretty much said that they are not worth repairing due to the amount and cost of the damage. (note, they only repair appliances, they do not sell them). Do I have any recourse to fight the insurance company to get them to just pay for replacement cost upfront ? Not trying to pull a fast one, just trying to get them to do what makes the most sense. oven: age 14 years, cost to repair $800.00, original purchase and installation cost, $1400, dishwasher: age 10 years, original purchase and installation cost $750.00, cost to repair $350.00. Fridge: age 20 years, original purchase price $1000.00, cost to repair $350-$400.00.