[LWJ]

I work in insurance. Here is how most business policies are written: Insure to replacement cost. Done. What you paid to acquire is not relevant.

You need a comparable suit to be compensated. You will have to figure depreciation. I assume that 3 years equals at least 50% (although I get 10+ years out of my clothes)

Good luck. I would document this down. Do not bring up your purchase price. If you purchase a Porsche for 10K and replacement cost is 25K, how much do you want when it is stolen?

Larry