Insurance claim

[Quiet Man]

We had a fire in adjacent premises and suffered smoke damage. The insurance accessor wrote off all our stock (about 750k). Then after he had gone away the company salvaged stock worth about 75k without telling the insurance company. Is this legal? Is it normal practice? Surely the insurance company would reduce the payout by the value of the salvaged stock. HELP!

[tubeway]

Yes the insurance company would reduce the value of the claim, and yes of course it is illegal