Re: Insurance claims in general, usually pay based on what value remains in the product lost or damaged.
My wife somehow chipped one of her diamond stones in her ring. Since it was a specifically scheduled item on our homeowners policy, she received a complete replacement, no reduction for deductable.
Are skis diamonds...no. Can they be specifically scheduled ? Not sure ...so ask someone who knows.
I would say that if you have a deductable on your homeowners insurance policy and the skis weren't specificaly listed as an insured item for which you paid an additional premeium, you not going to get much.
For example, if the skis and bindings were 5 years old, and cost you $700.00, a ski shop,or at a ski swap you could get $150.00 as a trade or sale. Subract your deductable and that's what's left to you.
But it you already have a $250.00 deductable on your homeowners, then there is no value to you so why bother to put in a claim.
However, since the skis were lost in the housefire for which you put in a claim, then they are lumped with everything else that you lost, and that of course is probably lumped together and subject to a deductable.
But remember, there are some items that are at replacement cost[ contents of the house and related items, and restoring the house back to like condition] other unrelated items are at the depreciated value of that item.I think your skis are the latter.
Sorry about the fire and all the hassles that go with it.