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Try to clean the leather with a high quality cleaner/treatment like Leather Masters Hard Cleaner, Vital, and Conditioner before calling insurance. It's a three step process and takes time but gets results. I have had leather get messed up by rain, but as long as the leather was in good condition beforehand, you can usually bring it back to life. If they were unprotected, never cleaned, with noticeable wear in the finish, then they may be beyond the point of repair. You would know better than any of us if it's worth trying or not.
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