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 Posted: Thu Jul 16, 2009 6:38 pm Post subject: what can i do if i cannot show proof of purchase |
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| on a burgulary claim .. no pictures, no proof what so ever...... |
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tichuk
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| Posted: Fri Jul 17, 2009 6:13 pm Post subject: |
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You may not get that item paid for. What are the facts of loss? What item are you referring to?
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Lori
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| Posted: Sat Jul 18, 2009 4:10 am Post subject: |
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Unfortunately if you don't have the receipts of the items that you have lost in the burglary you may find a hard time convincing the insurance company about the losses.
Have you informed the adjuster about the fact yet? What is his stand towards it?
~Jeremy |
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JeremyHolter
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| Posted: Sat Jul 18, 2009 1:04 pm Post subject: |
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Lori is right in pointing out the fact that you may not get paid for it. But, I'm really amazed to think of a situation wherein you could lose receipts for all the items. What might have happened?
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anonymous00
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| Posted: Tue Jul 21, 2009 3:22 am Post subject: |
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| Quote: | | on a burgulary claim .. no pictures, no proof what so ever...... |
if this is the case, then you'll find it very hard to claim and insurance to your losses. |
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choco
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| Posted: Tue Jul 21, 2009 10:20 am Post subject: |
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Do you have a list of all missing items? Once you have the list, try recollecting the address of the purchase sites for each item.
If you'd try communicating this thing to the dealers they'd probably smell police intervention and check up with their sales records to issue a fresh purchase slip depicting your transaction details.
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Who-let-the-dogs-out
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| Posted: Wed Jul 22, 2009 5:06 am Post subject: |
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I've also adjusted claims in my former life, and proof of ownership with most carriers in the event of a burglary loss requires "reasonable" and not concrete evidence. The carriers that I worked with accepted lots of difference things, with receipts being the best. They'd also look at things like pictures, warranty manuals/cards, peripherals you've bought for the system that weren't stolen (why would you buy XBox 360 games if you didn't have an XBox?), ambiguous credit card statements that didn't show the specific item, debit card receipts, emails/correspondence confirming purchases and many other things.
As has been pointed out, go back to the retailers and ask them to check. Many keep records, especially if they have your name and even if you paid in cash (Best Buy, etc.). If you ever had repair work done, custom work done, etc. for the stolen items the repair person will have records. Be inventive. Also keep in mind that insurance companies tend to get a little antsy when there's NO proof of ANYTHING claimed. Ya gotta admit, that's just a liiiiiiiitle suspicious, eh? Oh, I could tell you some stories...
InsTeacher 
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InsTeacher
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| Posted: Wed Jul 22, 2009 5:41 am Post subject: |
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| Usually the insurance company will require that you include those items as stolen on the police report. They can then have you fill out a Proof of Loss form and return it. Usually this is enough. But if they suspect you might be fibbing, they may require that you show some type of proof or indication that you owed the item. |
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tcope
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| Posted: Wed Jul 22, 2009 11:22 am Post subject: |
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I've used Christmas/birthday/anniversary, and graduation photos many times with folks that didn't have any other proof. Most people take pictures when family is opening gifts...Also most keep the owners manual, or the box it came it. It's really hard to NOT have proof of things you own, other than clothes and food. Keep looking you'll come up with something. As T and Ins teach pointed out. It's the 'odd ball' ones that raise red flags, ie. NO proof of ANYTHING that was stolen. or no proof of any of the expensive stuff claimed. only the cheap stuff...Try and look at it from the adjusters point a view, they just want to get through your claim as quickly as you do, but they have a boss too. If you own it and it's worth much, (or electronic) most people would have 'some' way of proving ownership.
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Lori
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| Posted: Wed Jul 22, 2009 11:33 am Post subject: |
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| Quote: | | But if they suspect you might be fibbing, they may require that you show some type of proof or indication that you owed the item. |
What kinda documents do they usually consider to be valid under such circumstances?
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anonymous00
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| Posted: Wed Jul 22, 2009 1:32 pm Post subject: |
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| Quote: | | What kinda documents do they usually consider to be valid under such circumstances? |
Box that the item came in, owners manuals, personal photos of the item, parts to the item, etc. |
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tcope
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