call your insurance company, let them do a "cause and origin" study on the fire (almost all major insurance companies require this for most if not all fire losses). keep your receipts, when they want to settle, negotiate with your receipts. if you did not purchase extra coverage for the turbo, accys ect... you may be out them but, the majority of the sled itself, would be covered under the policy. if you have added riders for policy for mods, accys ect... you will be covered up to the limit you opted for.
if you didn't tell the insurance company you have accys' and didn't buy a policy, or pay a premium to cover said add ons, you are not eligible for coverage for those items. meaning: if you insured a stock sled, you get paid the value of a stock sled, in it's condition before the loss occurred, within the limits of the policy, and premiums you chose.
as stated above, don't get into it with the builder, let your insurance provider do that. let them be the bad guy.
your results may vary.
Ski
if you didn't tell the insurance company you have accys' and didn't buy a policy, or pay a premium to cover said add ons, you are not eligible for coverage for those items. meaning: if you insured a stock sled, you get paid the value of a stock sled, in it's condition before the loss occurred, within the limits of the policy, and premiums you chose.
as stated above, don't get into it with the builder, let your insurance provider do that. let them be the bad guy.
your results may vary.
Ski