I do not have receipts and I do not have video but I do have pictures of the items (from various things). Can I use this for my claim? I had pipes freeze and burst and the items were damaged but I threw them out because they were so gross. I didn't think to file a claim til my landlord mentioned it but the items were already picked up by my garbage company. Any suggestions?
2007-02-09 07:34:50 · 5 answers · asked by reckupjd 1 in Business & Finance ➔ Insurance
The rental insurance is in my name. My landlord's insurance is paying for the pipes, plumbing, and heating repairs. My personal property in the storage shed was ruined.
2007-02-09 07:53:47 · update #1
Do you have a tenant's insurance policy (renters) in your name? Or is this the landlord's policy?
If youhave renter's insurance in your name this should be handled . I assume the landlord has proof the pipe was repaired. The claims adjuster would have liked to see the damaged items, but as long as the number & type of items appears reasonable they will process the claim looking at your photos for reference. Good Luck!!
2007-02-09 07:50:32 · answer #1 · answered by SantaBud 6 · 0⤊ 0⤋
Claims Adjuster standpoint. If you have photos, particularly ones which show the stuff damaged, you can start with that.
It's not going to be as easy as exhibiting the damaged items, as of course the adjuster would have liked to take a look at them and make sure they weren't repairable.
Did your landlord's insurance company come out and take photos? Perhaps they would be willing to give you a copy which would help.
Other than that, basically you will need to show that the stuff was damaged, that it was in the area of the water problem, and how it was damaged. If it hasn't been too long since the water claim, it's probably workable. If it's been months, however, you will need to confirm the stuff was really damaged, and your insurance company will want to know why you did not report the incident at the time.
You have a requirement to report the loss to the insurance company immediately (check your policy), but if your failure to report caused no harm to the insurance company, then you may be able to support your claim.
Good luck, hope you have a good insurance company to work with.
2007-02-09 09:44:39 · answer #2 · answered by MTR 3 · 2⤊ 0⤋
First step is to report the claim to your insurer ASAP. Second grab several sheets of paper and write down all the items that were damaged. Be as detailed as possible, including make and model if possible, serial numbers if you have them (see if it's on any warranty cards you may still have), how much you paid for them, as well as a physical description of each item (before they were damaged). As well describe in what way they were unrepairable or unrecoverable. The adjuster will want this list. Give them the list along with any receipts and/or photos you have of the objects. Assuming your claim is relatively small (a few thousand dollars), this should hopefully suffice. However if your claim starts to run into the tens of thousands, this might not be enough (the insurer would want to repair what they could to save money). Good luck.
2007-02-09 08:49:25 · answer #3 · answered by Gambit 7 · 1⤊ 0⤋
I have found the source box to be a good resource for this type of insurance. There are a variety of ways to go about this so I suggest you research some of the companies for their offers.
2007-02-09 19:24:30 · answer #4 · answered by Anonymous · 0⤊ 0⤋
You save the water damaged items. If you didn't save them, you're going to have a REALLY hard time.
Especially the more you claim.
2007-02-09 08:08:15 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋