Separate claims for items stolen at different times

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Apr 04, 2013 2:54 am   Post subject: Separate claims for items stolen at different times  

I had a number of jewelry items stolen from me over a period of a year by the same person. If he took a ring in July, another in November, a bracelet and earrings in January, and more earrings in March, am I able to make separate claims for each occurence?

caviar54258
New member
Leave a quick message



Joined: 04 Apr 2013
Posts: 1


1.17 Dollars($)

PostPosted: Thu Apr 04, 2013 4:36 am   Post subject:   

I'd say yes as there it's a broken chain of events. Might come down to the policy definition of Occurrence though.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Thu Apr 04, 2013 4:53 am   Post subject:   



You should have police reports filed for each theft and copies of the same to file for separate claims for each theft.



Alternatively, you can also file a single police report and claim for all the item stolen.



However, the items stolen need to be listed as contents of the home on the HO policy.



Chances are pretty good that your claim would be denied since it’s too late now. You’ll face many questions like why did you make so much delay in reporting.



Even if the jewelries are listed in the policy; you could be questioned since here they would sense the possibility of a potential insurance fraud.


_________________

Owning a home is a keystone of wealth - both financial affluence and emotional security. ~ Suze Orman
MangoQurious
Senior member
Leave a quick message

MangoQurious

Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

PostPosted: Thu Apr 04, 2013 2:04 pm   Post subject:   

If claimed as separate occurrences, each is subject to a separate deductible, which could negate any claimed loss. Filing multiple claims as you indicate is also likely to result in cancellation or non-renewal of your policy.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.


Last edited by MaxHerr on Fri Apr 05, 2013 5:46 am
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.61 Dollars($)

PostPosted: Fri Apr 05, 2013 3:31 am   Post subject:   

Max has raised a very significant issue here. Whatever you do, chances are greater that you won't be gaining anything out of all these (as I said earlier).
MangoQurious
Senior member
Leave a quick message

MangoQurious

Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused