Insurance question / so pissed

Goldie · 07-16-2011, 09:54 PM

Last week the wife and I closed on our first house. Fast forward a week to yesterday and when I get home from work one of the windows in the back of the house was busted out and every electronic in the house was gone. Welcome to the neighborhood.

I have a question for anyone in the insurance business, if someone would be so kind as to offer their knowledge. I just had a general question regarding our insurance as this is a question my agent was not able to answer.

If someone could offer some guidance and knowledge, shoot me a PM please. I would certainly appreciate it.

Thanks,

Drew

Mattso3000 · 07-16-2011, 10:06 PM

You should have homeowners insurance set up to qualify for the loan...so it should just be a matter of what the deductible is set at and the rest should be covered?? My brother in law is an insurance guy, I can ask him if no one else has an answer...this just sucks, tho.

Ogre · 07-16-2011, 10:09 PM

Sorry about this situation. Wish I could help with your question.

Goldie · 07-16-2011, 10:44 PM

Our homeowners will be taking care of the loss, that thankfully isn't in question. It's a different matter. But thank you all the same gents, and it does indeed suck. It isn't the first time we have been robbed though, so it's definitely easier the second time around.

The silver lining is that we got to go to Best Buy today and replace the big items, now we just have to wait for the adjuster to call on Monday to actually start the claim.

chachee52 · 07-17-2011, 04:18 AM

I had a co-worker that switched insurance companies for his home, got robbed within the week and the insurance company dropped them. They did pay for most things but it is the wording in the contract. Hopefully this isn't happening to you!! He had a terrible time trying to set something up ASAP to cover the house.
Either way, good luck and hopefully you can get on with you life now.

maninblack · 07-17-2011, 08:03 AM

Damn brother this really stinks. Hope everyone works out for you.

OLS · 07-17-2011, 08:07 AM

Quote:

Originally Posted by Goldie

The silver lining is that we got to go to Best Buy today and replace the big items,
now we just have to wait for the adjuster to call on Monday to actually start the claim.

Do yourself a favor, don't put your "big stuff" boxes out in the street whole for the garbage man.
Break it up and stealth toss it. No reason to advertise that you are back in business.
And stop by the pound and get a dog.

neoflex · 07-17-2011, 08:39 AM

Quote:

Originally Posted by OLS

Do yourself a favor, don't put your "big stuff" boxes out in the street whole for the garbage man.
Break it up and stealth toss it. No reason to advertise that you are back in business.
And stop by the pound and get a dog.

This is what I do. Anytime we buy a new big electronic I always break the boxes down and bag it for the garbage can. Sorry to hear of your situation. Nothing like a nice warm welcome. If at all possible if your the security system type, always get that up and running before moving int as I am sure you were probably being watched when you moved in.

kelmac07 · 07-17-2011, 09:06 AM

Sorry to hear Drew.

Tio Gato · 07-17-2011, 09:26 AM

Sorry about your robbery. My wife is in the insurance biz. She said if your agent can't answer your question you or your agent should call the insurance company and talk to someone in underwriting. Good luck.

cobra03 · 07-17-2011, 12:31 PM

Sorry to hear that your house was burglarized. That sucks. hopefully they can catch the scum bags.They deserve a swift kick in the junk.

My dad has been in the insurance business for the last 20 years i can ask him if you have any questions shoot me a pm. I always defer my insurance questions to him.

forgop · 07-17-2011, 01:08 PM

Quote:

Originally Posted by Goldie

I just had a general question regarding our insurance as this is a question my agent was not able to answer.

If you have an agent that can't answer your question or get you an answer within a reasonable time, me thinks you need another agent.

Goldie · 07-17-2011, 02:18 PM

Quote:

Originally Posted by forgop

If you have an agent that can't answer your question or get you an answer within a reasonable time, me thinks you need another agent.

I don't disagree with this mindset Duane, but my question was rather off the wall to be honest. I'll talk to him on Monday and see what he found out. I also think I will send a PM to someone here.

And when we get all the new stuff delivered (after our security system gets installed on Thursday) I will likely just keep the boxes down in the basement.

Col. Kurtz · 07-17-2011, 03:20 PM

I think blueface is the resident claims expert. Shoot him a pm.

Bill86 · 07-17-2011, 03:25 PM

Quote:

Originally Posted by OLS

Do yourself a favor, don't put your "big stuff" boxes out in the street whole for the garbage man.
Break it up and stealth toss it. No reason to advertise that you are back in business.
And stop by the pound and get a dog.

Also make a stop by the gun shop.

My neighbors routinely see quite many gun cases being taken into the house, hell they've been shooting with us. There are no robberies in the area.

When I lived at an apartment we hung loaded AK's and AR's on the wall with a few shotguns for good measure. Answered the door with a 1911 on the hip. No problems at all, quite a few car break ins in the complex but never near my area.

If they know you have guns.....they'll rob someone else.

emopunker2004 · 07-17-2011, 03:28 PM

Quote:

Originally Posted by Bill86

Also make a stop by the gun shop.

My neighbors routinely see quite many gun cases being taken into the house, hell they've been shooting with us. There are no robberies in the area.

When I lived at an apartment we hung loaded AK's and AR's on the wall with a few shotguns for good measure. Answered the door with a 1911 on the hip. No problems at all, quite a few car break ins in the complex but never near my area.

If they know you have guns.....they'll rob someone else.

Not around here, If they see you leave, they'll just go rob you of your guns.

area51 · 07-17-2011, 03:54 PM

Quote:

Originally Posted by emopunker2004

Not around here, If they see you leave, they'll just go rob you of your guns.

this

Goldie · 07-17-2011, 07:39 PM

I'm very fortunate that they did not steal my handgun, as they stole my external harddrive right off the top of my gun safe. The first thing I thought when I saw the window busted out was I hope my dog is ok and I hope to god they did not steal my gun.

elderboy02 · 07-17-2011, 07:43 PM

Sorry to hear this Drew. Hopefully karma catches up to them..

I hate, hate, hate thieves as well.

neoflex · 07-17-2011, 07:44 PM

Quote:

Originally Posted by Goldie

I'm very fortunate that they did not steal my handgun, as they stole my external harddrive right off the top of my gun safe. The first thing I thought when I saw the window busted out was I hope my dog is ok and I hope to god they did not steal my gun.

On my shadow window next to the front door next to the ADT decal is another sticker I printed up.

This is NOT my house but the decal looks exactly the same.

07-16-2011, 09:54 PM	#1
Goldie Bring the pain! Join Date: Jan 2010 First Name: Drew Location: Ohio Posts: 808 Trading: (13)	Insurance question / so pissed Last week the wife and I closed on our first house. Fast forward a week to yesterday and when I get home from work one of the windows in the back of the house was busted out and every electronic in the house was gone. Welcome to the neighborhood. I have a question for anyone in the insurance business, if someone would be so kind as to offer their knowledge. I just had a general question regarding our insurance as this is a question my agent was not able to answer. If someone could offer some guidance and knowledge, shoot me a PM please. I would certainly appreciate it. Thanks, Drew __________________ Come in here dear boy, have a cigar, you're gonna go far - Pink Floyd I like my draw, like I like my women, a little loose - Goldie

07-16-2011, 10:06 PM	#2
Mattso3000 Will ninja for beer Join Date: Aug 2010 First Name: Matt Location: Burnsville, MN Posts: 2,842 Trading: (20)	Re: Insurance question / so pissed You should have homeowners insurance set up to qualify for the loan...so it should just be a matter of what the deductible is set at and the rest should be covered?? My brother in law is an insurance guy, I can ask him if no one else has an answer...this just sucks, tho. __________________ Please Support the Troop Support Contest!

07-16-2011, 10:09 PM	#3
Ogre **CENSORED** Join Date: Apr 2010 First Name: Larry Location: Central Florida Posts: 12,068 Trading: (46)	Re: Insurance question / so pissed Sorry about this situation. Wish I could help with your question. __________________

07-16-2011, 10:44 PM	#4
Goldie Bring the pain! Join Date: Jan 2010 First Name: Drew Location: Ohio Posts: 808 Trading: (13)	Re: Insurance question / so pissed Our homeowners will be taking care of the loss, that thankfully isn't in question. It's a different matter. But thank you all the same gents, and it does indeed suck. It isn't the first time we have been robbed though, so it's definitely easier the second time around. The silver lining is that we got to go to Best Buy today and replace the big items, now we just have to wait for the adjuster to call on Monday to actually start the claim. __________________ Come in here dear boy, have a cigar, you're gonna go far - Pink Floyd I like my draw, like I like my women, a little loose - Goldie

07-17-2011, 04:18 AM	#5
chachee52 Adjusting to the Life Join Date: Dec 2009 First Name: Todd Location: Tyngsboro, MA Posts: 399 Trading: (2)	Re: Insurance question / so pissed I had a co-worker that switched insurance companies for his home, got robbed within the week and the insurance company dropped them. They did pay for most things but it is the wording in the contract. Hopefully this isn't happening to you!! He had a terrible time trying to set something up ASAP to cover the house. Either way, good luck and hopefully you can get on with you life now. __________________

07-17-2011, 08:03 AM	#6
maninblack Will smoke for food Join Date: Jan 2010 First Name: Kevin Location: Where the hoot owls f$ck the chickens Posts: 10,637 Trading: (80)	Re: Insurance question / so pissed Damn brother this really stinks. Hope everyone works out for you. __________________ Proud member of the GMCGTPWHAFA

07-17-2011, 09:06 AM	#9
kelmac07 Resident Maduro Whore!! Join Date: Apr 2009 First Name: Mac Location: Newport News, VA Posts: 27,322 Trading: (218)	Re: Insurance question / so pissed Sorry to hear Drew. __________________ Dom in the MLB thread "I could probably get you to wear a Yankee hat for a Maduro!"

07-17-2011, 09:26 AM	#10
Tio Gato Uncle Kitty Join Date: Oct 2008 First Name: Jeff Location: Casa Grande, AZ Posts: 2,075 Trading: (11)	Re: Insurance question / so pissed Sorry about your robbery. My wife is in the insurance biz. She said if your agent can't answer your question you or your agent should call the insurance company and talk to someone in underwriting. Good luck. __________________ "You stink like cigars Uncle Kitty!" Said my Boo age 3. "Kid, take care of your family and the hell with anyone else" My Grandpa Bubba.

07-17-2011, 12:31 PM	#11
cobra03 Adult Babysitter Join Date: Aug 2009 First Name: Scott Location: Hamburg, NY Posts: 1,880 Trading: (15)	Re: Insurance question / so pissed Sorry to hear that your house was burglarized. That sucks. hopefully they can catch the scum bags.They deserve a swift kick in the junk. My dad has been in the insurance business for the last 20 years i can ask him if you have any questions shoot me a pm. I always defer my insurance questions to him. __________________ "I'm feelin' low, Apu. You got any of that beer that has candy floating in it, you know Skittlebrau?https://www.facebook.com/thebuffalobeerleague

07-17-2011, 03:20 PM	#14
Col. Kurtz Have My Own Room Join Date: Jan 2009 First Name: Jerry Location: South Appleton Posts: 1,839 Trading: (26)	Re: Insurance question / so pissed I think blueface is the resident claims expert. Shoot him a pm. __________________ Artillery Lends Dignity to What Would Otherwise Be a Vulgar Brawl

07-17-2011, 07:39 PM	#18
Goldie Bring the pain! Join Date: Jan 2010 First Name: Drew Location: Ohio Posts: 808 Trading: (13)	Re: Insurance question / so pissed I'm very fortunate that they did not steal my handgun, as they stole my external harddrive right off the top of my gun safe. The first thing I thought when I saw the window busted out was I hope my dog is ok and I hope to god they did not steal my gun. __________________ Come in here dear boy, have a cigar, you're gonna go far - Pink Floyd I like my draw, like I like my women, a little loose - Goldie

07-17-2011, 07:43 PM	#19
elderboy02 Lets Go Buckeyes! Join Date: Oct 2008 First Name: Dan Location: Cincinnati, OH Posts: 12,497 Trading: (133)	Re: Insurance question / so pissed Sorry to hear this Drew. Hopefully karma catches up to them.. I hate, hate, hate thieves as well.