Our house was a total loss from the Marshall fire. We live in unincorporated Boulder County. Since we do not receive city services (septic, non maintained gravel road, well), when items are delivered to our home, the tax rate is 5.185%. If we buy items in Boulder County, at the mall, etc… we pay whatever rate the tax is for that county. Our insurance is using the 5.185% tax rate for all of our personal property. Most of the items in our house were not delivered to the house. How does this work? Seems like we should be reimbursed at a higher rate, but I can’t seem to find the information online.
If they are reimbursing us at the lower rate which assumes our personal property was all delivered to the house, shouldn’t they reimburse us for shipping?