Double-check your policy, and then argue. Threaten to involve your lawyer -
for a hundred bucks, he/she may even write a short preliminary letter.

Insurance companies are bullies, they always try not to pay, but often back
down quite easily if pushed - not always on the first push. Too many people
complain that "they didn't pay," but take it no further, in which case the
insurer wins. Need not be so.

====

Charles T. Low
- remove "UN"
www.boatdocking.com
www.ctlow.ca/Trojan26 - my boat

====

"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost 299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!

"Charles T. Low" wrote in message

.....Threaten to involve your lawyer -
for a hundred bucks, he/she may even write a short preliminary letter.

Insurance companies are bullies, they always try not to pay, but often
back
down quite easily if pushed -

Charles, I'm sure there are some cases that play out as you describe. On
the other hand, all the lawyers in the world won't make an insurer pay for a
non-covered loss. It is the responsibility of the insured to read the
policy, and to know what is and isn't covered.

Sorry to here about your loss...............

having grown up in a house with a father who has been in the insurance
business for 40+ years [commercial, not personal] and listening to his
stories in dealing with customers, it amazes me how little attention people
pay to their insurance needs and policies

The best advice Dad ever gave me was to find a good "agent" company should
be secondary. Find someone you feel you can trust and then take the time to
sit down and discuss in depth what your needs are, and as Capt. stated CHECK
YOUR POLICY.

Also, don't jump companies every year just because premiums are a couple of
bucks cheaper. I have been with the same co. / agent for 25 years and it
has paid off the last 3. My 19 year old son had 4 accidents in 3 years. 2
his fault, 2 not. Thanks to our long relationship resulting in "guaranteed
renewal status" I have not had to worry about being canceled and sent
looking at non-standard [expensive] companies.

just my 2 cents

bc

"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost 299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!

I got the same screw from State Farm. Out of $2000 in contents on the
boat, my dad and I made the mistake of telling them half was mine and half
was his. They said contents were covered under home owner's policies. They
then applied his $1000 deductible, and my $500 deductible, and depreciated
the remaining $500 to $167.

I'm now with Boat US cause they ask the value of the contents up front.
It's covered under the boat policy rather than my homeowners.


"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost 299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!

"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:
"snip"
Moral, Check your insurance policy to determine what is covered and what
is
not!


Capt Frank,

Get on the stick... you have a valid homeowner's claim to file. Don't let
the statute run!

Rob
*
*
*

Im confused,
Exactly how did the Rebuplocrats and other political Gegy Birds get involved
in this discussion?
"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost 299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!

Capt.
Your thread has been hijacked by rec.scuba. :-)
Paul

"Capt Frank Hopkins" wrote in message
link.net...
Im confused,
Exactly how did the Rebuplocrats and other political Gegy Birds get
involved
in this discussion?
"Capt Frank Hopkins" wrote in message
hlink.net...
Hi All,
After a throughly incompetent investigation by the local constabulary, I
took the list of missing items to the insurance comapny. Here are the
results:

Generator: 2 years old, depreciated 60% Cost 1900.00
Paid 900.00
GPS 18 Months Old. depreciated 12% Cost 799.00
703.12
GPS Cartographic chip not covered Cost 125.00
Fishing Poles not covered Cost
90.00
Binox depreciated %75 Cost
299.00
99.60
tools not covered Cost
159.00
Magnagrille not covered Cost
179.00
Magnagrille mount not covered Cost 45.00
TV-DVD player Depreciated 75% Cost 399.00
99.75

Total Loss
3995.00 Insurance Payment 1802.47

Net Loss 2192.53

Moral, Check your insurance policy to determine what is covered and what
is
not!