Our TV fell off the stand.
just wondering if we claim on accidental will the insurance company come out to check?
The value of the TV is under 1000 pounds
2006-10-30 19:12:56 · 14 answers · asked by baggies_70 2 in Business & Finance ➔ Insurance
In regards to "alinurse99" response.
Our TV didn't fall off due to a push!
We had a large shelf behind the TV which collapsed onto the back of the TV unit which then pushed the tv off.
I have taken Photos of the "crime Scene" just in case they ask for any proof
2006-10-30 20:02:37 · update #1
Probably not. The standard homeowners policy covers contents (aka, the tv) on a NAMED PERILS basis. Falling/dropping is NOT a named peril, therefore, you'll probably get a denial letter without anyone coming out to see.
If, however you have a Chubb homeowners policy that covers contents with "risk of direct physical loss" (aka "all risk" although it's not true, and I hate that phrase), then yes, you'll be receiving a visit from an adjuster. Chubb ALWAYS sends out an adjuster - but that's the kind of service you get with a high end policy.
2006-10-31 00:58:27 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
The vast majority of claims are paid quickly and fairly. But if you have any difficulty, the better you document your claim the easier it will be to get assistance if you need it, says Salvatore. Throughout the claims process, keep your agent informed so that he or she can be ready to help you in the event of a delay or disagreement. If you and your company’s claims adjuster can’t agree on the price of your loss, contact your agent or insurance company’s claim department. Provide proper documentation regarding why you are not pleased with the settlement. If you and your insurer still can’t come to an agreement, find out if your policy allows for either arbitration or some form of independent appraisal process. You can also contact your state insurance department for their assistance.
To maximize your insurance dollars, knowing when to file a claim is as important as knowing how to file a claim. Insurance is designed to provide reimbursement for major disasters such as a hurricane that rips the roof off your home or a fire that destroys your house and everything in it. Insurance policies are priced and structured to pay for disasters that would financially ruin most people. They are for catastrophes that are sudden and accidental. Insurance is not designed to provide reimbursement for everyday maintenance problems.
2006-10-31 03:26:06 · answer #2 · answered by JFAD 5 · 0⤊ 0⤋
Normally they do or they send a repair man out. They did with our tv to see if it could be repaired. As it could not as there was a small hole in the screen they put a value on it and we obtained a new one. Insurance companies are getting wise to people having accidents so they are little more careful when claims. Do remember you will have an excess and you will lose any no claims you have built up.
2006-10-31 03:57:15 · answer #3 · answered by Anonymous · 0⤊ 0⤋
sounds dodgy to me. How can a TV just fall off its stand without a little push??? Of course the insurance will come out. Just to laugh at you for lying.
2006-10-31 03:56:41 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I think you will find that they only call out for large amounts as the assessors time is expensive.Make sure that the claim form is completed correctly as any discrepancy may make them suspicious and then they might send someone to take a look. Otherwise they have much bigger claims to deal with.......... go on and claim, you've paid for the insurance and that's what its for.
2006-10-31 03:39:02 · answer #5 · answered by Robert B 3 · 0⤊ 0⤋
Some times all depends on a mount you are making a claim for
2006-10-31 03:28:10 · answer #6 · answered by shandypinny2 1 · 0⤊ 0⤋
The same way they came to take its value, is the same they will come to check on the kind of accident that you insured value. This is for their office recording and judgement on what to repay back to you and take you back to your usual standards of living.
2006-10-31 03:26:23 · answer #7 · answered by macho knatcos 2 · 0⤊ 0⤋
Be sure it's worth it to make the claim. They'll take out the deductible, and your insurance fee will go up.
2006-10-31 03:21:07 · answer #8 · answered by Anonymous · 1⤊ 0⤋
They won't come out to see. They may make you fax them a letter from a tv repair company saying it's knackered beyond economic repair.
They know you did it on purpose, but there's nothing they can do about it.
It's like gloss paint on the carpet, it's the oldest one in the book.
2006-10-31 03:16:18 · answer #9 · answered by Anonymous · 0⤊ 2⤋
Most of the time they don't
2006-10-31 15:19:16 · answer #10 · answered by Anonymous · 0⤊ 0⤋