12-22-2003, 06:55 PM | #1 (permalink) |
Insane
Location: PA
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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 |
12-22-2003, 08:04 PM | #3 (permalink) |
Ssssssssss
Location: Ontario
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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. |
12-23-2003, 05:58 AM | #6 (permalink) |
Tilted
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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. |
12-23-2003, 01:25 PM | #7 (permalink) |
A Storm Is Coming
Location: The Great White North
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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.
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If you're wringing your hands you can't roll up your shirt sleeves. Stangers have the best candy. |
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home, insurance, work |
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