The page I get has no contact info on the page. Facebook does not allow posts. I signed up to be a subscriber. nowhere is contact mentioned. I do have a twitter account that is seldom used. I do suppose it was too much to expect any help.

State Farm actually highlights their sections now on explaining why you have depreciation. It clearly says that replacement value insurance has depreciation.

I suppose we should read the contract to make sure, but who does that? Something like this should be stated up fron and clearly stated on the policy statement, not buried undecipherable legal speak.