Tilted Forum Project Discussion Community  

Go Back   Tilted Forum Project Discussion Community > Chatter > General Discussion


 
 
LinkBack Thread Tools
Old 12-22-2003, 06:55 PM   #1 (permalink)
Insane
 
Location: PA
home insurance? how does it work?

I was wondering how home insurance works when one has to make a claim? It isn't really up to me since its not under my name but I want to know how it would work out. My house was broken into and they stole aton of stuff. The house and insurance isn't under my mom's name. They are both under my uncle's name, but my mom and my siblings live here. I have receipts for most of what was stolen. How does the claim process go? Will there be a problem since my uncle doesn't live here?

Thanks,
Robert
1337haxor is offline  
Old 12-22-2003, 07:59 PM   #2 (permalink)
Tone.
 
shakran's Avatar
 
No, there shouldn't be a problem, and if the ins. co tries to make a problem out of it you can fight it.

All you have to do is call your agent, tell him what happened, and what's gone.
shakran is offline  
Old 12-22-2003, 08:04 PM   #3 (permalink)
Ssssssssss
 
Kaos's Avatar
 
Location: Ontario
Your uncle will have to call the insurance company and make the claim since the home and insurance are under his name. Give him the receipts for the items that were stolen.

Sorry to hear you were robbed, and this close to Christmas. That sucks man.
Kaos is offline  
Old 12-22-2003, 08:32 PM   #4 (permalink)
Insane
 
Location: PA
Would it matter that some of the items are 2 years old?
Will they pay back the full price I paid for, or some depreciated value?

Thanks,
Robert
1337haxor is offline  
Old 12-22-2003, 10:44 PM   #5 (permalink)
Tone.
 
shakran's Avatar
 
it largely depends on the item. if it's a picture frame, they might pay to replace it. If it's a computer, don't expect to get an upgrade out of the deal.
shakran is offline  
Old 12-23-2003, 05:58 AM   #6 (permalink)
Tilted
 
Robert

I have been in the insurance field 25 yrs. I currently work for a southern state in the dept of insurance. Depends on the type of policy if the insurance company will pay anything. If he has a dwelling fire policy, contents coverage is not automatic. If it is a homeowners policy, coverage may exist. Call his agent, not the company and get an idea of what he has.
Francis is offline  
Old 12-23-2003, 01:25 PM   #7 (permalink)
A Storm Is Coming
 
thingstodo's Avatar
 
Location: The Great White North
It all comes down to the policy and what kind of limits there are for personal items. The policy should also state replacement value or actual value. And someone was right that the policy owner would need to make the claim.

Most important.... if there was theft, I hope you called the police and filed a report because that adds credibility to the theft claim.

For the future, take photos or video of the contents in the home up close enough to show model numbers and conditions. That always helps if there is a conflict.

Tough luck at Christmas. I wish you the best of luck recovering from this experience.
__________________
If you're wringing your hands you can't roll up your shirt sleeves.

Stangers have the best candy.
thingstodo is offline  
 

Tags
home, insurance, work

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -8. The time now is 05:36 AM.

Tilted Forum Project

Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0 PL2
© 2002-2012 Tilted Forum Project

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360