Posted: 9/15/2013 4:47:21 PM EDT
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specifically in how to screw people over.
They paid me, but claim I have a $2k limit on "FIREARMS" - ok, thats less than the two guns and their attached parts were... so my ammo, bags, all the ancillary crap... aren't firearms? |
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Quoted:
specifically in how to screw people over. They paid me, but claim I have a $2k limit on "FIREARMS" - ok, thats less than the two guns and their attached parts were... so my ammo, bags, all the ancillary crap... aren't firearms? Sixer is an American Family agent, you need to read the fine print in your policy. Most are capped at $1,000 unless you have a rider. |
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Quoted:
Sixer is an American Family agent, you need to read the fine print in your policy. Most are capped at $1,000 unless you have a rider. Quoted:
Quoted:
specifically in how to screw people over. They paid me, but claim I have a $2k limit on "FIREARMS" - ok, thats less than the two guns and their attached parts were... so my ammo, bags, all the ancillary crap... aren't firearms? Sixer is an American Family agent, you need to read the fine print in your policy. Most are capped at $1,000 unless you have a rider. Yep, you need a rider for an increased coverage limit. Don't be surprised if they won't insure ammo. |
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When I had my "Great House Fire of '04", it happened in that corner of the basement where I stored all my toys. I had State Farm at the time and they paid up to the max policy coverage for firearms damage which was only a couple K. However, they also paid over $20K for the other stuff such as scopes, reloading supplies and gear, ammo, mags, holsters, bipods, chronograph, Dillon 650, cheap Walmart safe, etc, etc. etc since they were not "guns", but were covered under household possessions as would be a tv, carpet, clothes, skis, baseball/football gear, etc. The ins rep contacted me and said "we basically know nothing about the value of your hobby gear. Can you go out on the web and find like items with prices and print out the pages for us?". I did, quoting the highest prices I could find, which wasn't hard since the '94 AWB had just ended, and they cut me a check for 80% of those values. They said if I replaced the items and they cost me more than what the insurance company had paid me for them, to save my receipts and they would pay me the difference. Hope that helps. ETA: My current AAA rep is a fellow shooter.  |
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Quoted:
When I had my "Great House Fire of '04", it happened in that corner of the basement where I stored all my toys. I had State Farm at the time and they paid up to the max policy coverage for firearms damage which was only a couple K. However, they also paid over $20K for the other stuff such as scopes, reloading supplies and gear, ammo, mags, holsters, bipods, chronograph, Dillon 650, cheap Walmart safe, etc, etc. etc since they were not "guns", but were covered under household possessions as would be a tv, carpet, clothes, skis, baseball/football gear, etc. The ins rep contacted me and said "we basically know nothing about the value of your hobby gear. Can you go out on the web and find like items with prices and print out the pages for us?". I did, quoting the highest prices I could find, which wasn't hard since the '94 AWB had just ended, and they cut me a check for 80% of those values. They said if I replaced the items and they cost me more than what the insurance company had paid me for them, to save my receipts and they would pay me the difference. Hope that helps. ETA: My current AAA rep is a fellow shooter.
I got the same song and dance, I made an extensive list.. prices paid, dates (or ranges if not exact)... it was two FIREARMS, and they would only add up to ~$580, but they cut out over $600 of the rest of the amount that was over 2k. I will just make an appointment, since my agent is no longer with the company, and get this sorted out... ETA: Why do they ask me to make a detailed list (every item with a part number even) if they are just going to have their 'don't overpay the claimant' company just make up what I lost? |