My insurance company will not reimburse me for some of the items that I have legitimately claimed because they say I shouldn't have stored them in my garage. After finding this out I thought I should have claimed stuff stolen that I didn't even have to make up for the other. This would have been fraud of course. What are your thoughts?
2006-08-04 10:41:07 · 23 answers · asked by Bogie Boy 3 in Home & Garden ➔ Other - Home & Garden
insurance companies always make it hard to get your money, but this doesn't sound legit. read all the fine print in your policy carefully - if you need to you can usually get legal help, most cities have lawyers (legal aid board - i think) that will help you for an hour for free. also, try the insurance commissioner... good luck!
2006-08-04 11:24:08 · answer #1 · answered by hg 2 · 1⤊ 0⤋
I think you should take your insurance company to court since the garage is still part of your property, the insurance should cover it, unless your policy specifically states that certain items cannot be kept in the garage.
I don't think you could say that some of the stuff was stolen from the house because I'm sure that a police report had to be provided for the insurance claim and the police would be able to tell that your house was not broken into. I guess you could say that you forgot to lock the door but remember the quote: "oh, what an entangled web we weave, when first we practice to deceive?" Trying to keep lies straight to more than one entity is bound to trip you up unless you are a great actor or expert lier!
2006-08-04 10:49:37 · answer #2 · answered by runningviolin 5 · 0⤊ 0⤋
Yeah, if stuff was stolen that should have been in the house, then you can't claim it for reimbursement. I can't put a TV in the garage and then try to get it back if its stolen. Yeah, if you claim things that weren't stolen, then it would be fraud and you could get arrested and prosecuted for fraud and possibly theft. Talk to your insurance company and find out what you should do about storing things in there in the future. You are probably out of luck for now.
2006-08-04 10:48:10 · answer #3 · answered by brittme 5 · 0⤊ 0⤋
It's too bad that the insurance company will not reimburse you for the stuff that was actually in the garage and stolen. Money ill gained is not worth it. I'm glad that you told the truth to your insurance company. You probably feel good about telling the truth too, otherwise you would have guilt in addition to lying being just a bad idea in general.
2006-08-04 10:46:47 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Fraud is fraud and insurance companies take it very seriously now days. I agree with your complaint, but you can't claim something else in exchange when it didn't really happen. I would argue with the insurance company about what can and can't be in the garage. Unless the policy specifically states what will be covered as a loss from a garage, then you should fight.
2006-08-04 10:44:41 · answer #5 · answered by nitram 4 · 0⤊ 0⤋
Was your garage locked? Is it attached or detached from the house? If it was detached, the coverage for the garage is usually 10% of the coverage of your house.
If it was attached to your home, it's usually covered the same as the dwelling.
Coverage is for possessions belonging to you and your family. This includes the personal contents of your home and any additional buildings/structures on your property.
Check your policy to see if there's any wording about where personal property should be stored. (Again, the operative thing here being if your garage was locked.) If there isn't, contact the Insurance Commissioner's Office for your state for clarification.
2006-08-04 10:50:41 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Just take it as a lesson learned. You are never going to win with an ins company. Sorry how much did you loose. And what the F did you have in a garage that was supposed to be in your house. Your Kids?
2006-08-04 10:46:31 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Check further into this.
I had a boat and equipment at another persons camp, in garage. Fire destroyed all.
MY insurance co. reimbursed me.
If you had a camera, PC, or golf clubs in your car, your home owner's insurance would cover it.
The exception may be in your case, "If you left the garage door open, and there was not a break in"
2006-08-04 10:51:09 · answer #8 · answered by ed 7 · 0⤊ 0⤋
That sucks, make another claim, or despute the refusal. Homeowners' insurance is supposed to cover everything on the property, not just in the house. I have the feeling you agent is being a pr ick
2006-08-04 10:46:30 · answer #9 · answered by Anonymous · 0⤊ 0⤋
if you know that some things were things that belonged in the house, and if the insurance papers are strict enough to cover an issue like that, then you have no other choice than to put up with what the insurance company tells you.
2006-08-04 10:45:16 · answer #10 · answered by Anonymous · 0⤊ 0⤋