My question involves insurance law for the state of: Iowa
I recently had a boat, trailer, and numerous accessories/gear stolen from a business where I had left them to be serviced. I towed the boat/trailer to the business and parked the trailer in an area with other customer boats as well as some boats/trailers that were on sale as store inventory. When I turned the keys over to the service manager and filled out the work order, he told me he would take a tractor and move the boat/trailer to a different location on the lot (closer to the shop area). A couple of days later, I was advised by the business that they could not locate the boat/trailer and that the boat/trailer had possibly been stolen. I went to the business and spoke with the staff there, as well as calling the police and filling out a police report. I have since been contacted by an adjuster from the business's insurance carrier and provided them with my recollection of events as well as a fairly complete list of items that were on the boat. I have five questions for anyone who can offer a qualified opinion and advice: 1) What am I entitled to under the law for compensation if the business is found to have been negligent; 2) what might I expect from the insurance carrier in the way of attempting to "low-ball" the claim and minimize the amount paid out; 3) what recourse or appeal might I have if the finding is one of "no negligence;" 4) what happens if the boat is recovered after I've accepted payment; and 5) can the lienholder for the boat sue the insurance company if the payout does not equal or exceed the amount that I owe?
Thanks for your help.

