What are the Odds

Post by **Wakeup** » Thu Jan 08, 2009 7:22 pm

right right! Gotcha...thats cool...I gotta start taking pictures of my gear then....(I mean more of them.

ssims · Post by **ssims** » Thu Jan 08, 2009 7:26 pm

yes its my homeowers insurance and mrs smith said she cant do a claim and give me any thing unless i have prove i owned it t

thedeal7235 wrote:this is ur homeowners insurance, right? i mean one time, many years ago, my mom lost a 5000usd diamond earring, she looked, looked, looked, etc., she claimed it and never had any issues getting a check- she really lost it, and i dont think ever needed a claim b4, or since- i hope u get what u need, to get some money at least-

ssims · Post by **ssims** » Thu Jan 08, 2009 7:28 pm

hell if your anal like me then you might scrib your last four numbers of your social security number on it lol just to make sure

Wakeup wrote:right right! Gotcha...thats cool...I gotta start taking pictures of my gear then....(I mean more of them.

thedeal7235 · Post by **thedeal7235** » Thu Jan 08, 2009 7:30 pm

hmmmm, not trying to be, how do I say, misleading etc., is it possible to get "receipts", or show something from an elctronics shop? That sux u dont have a friend, to help, like from an electronics store, I mean, you did own the items, my god, what if u bought them 15 years ago- Do you mind me asking which company is ur hoi?

ssims · Post by **ssims** » Thu Jan 08, 2009 7:42 pm

i have lots of friends that work for eletronics stores so thats what i have been trying to get but most of them dont have write up receipts
my hoi is from statefarm
my old boss that i do most of the side work to help him out is working on some of the equpiment but of course he want to add other components so he can get them for himself lol

thedeal7235 wrote:hmmmm, not trying to be, how do I say, misleading etc., is it possible to get "receipts", or show something from an elctronics shop? That sux u dont have a friend, to help, like from an electronics store, I mean, you did own the items, my god, what if u bought them 15 years ago- Do you mind me asking which company is ur hoi?

thedeal7235 · Post by **thedeal7235** » Thu Jan 08, 2009 7:45 pm

that sux, him wanting 2 add extra equip., jmho-

Post by **smgreen20** » Thu Jan 08, 2009 7:50 pm

As for homeowners insurance, pictures and receipts help. Some places keep records of your purches' so see if they still have a copy of your receipt. If they don't get a datedcopy of what it would cost to have those items replaced and file it away.

If it's auto insurance, of course receipts and pics help, but.... Most insurance companies will only replace that which was stolen from a factory location only. For the extra items, xover, amp/s, sub/s, etc... you will have to pay extra for. I'm covered up to $4,000 extra for only $80.00 more per year.

For items bought on ebay, find similar items and click the "watch this" link and after that item has ended print out the page and file. That way you have proof that that's what it would cost to replace today for things no longer made. Watch multiple items of the same thing. Print the one that sells for the most. < Was told to me by my insurance company. Also if you bought a CD that was more then the average price for a CD, say $45.00 keep that receipt if your CDs get stolen as well. They can then assume that that is the one in the CD player even if it wasn't. Again, my insurance company (Nationwide) told me this.

thedeal7235 · Post by **thedeal7235** » Thu Jan 08, 2009 8:22 pm

ur right smgreen20- if u ur willing to pay a very small amount extra( like urs for an entire year) almost all insurance companies will cover loss of equipment , usually the4-5k range, along with the pics and receipts- hell, even if u bought it of the bay, or someone here, ur paypal trans. alone should be suffecient enuff- I would suggest, from my personal experience, be proactive and send them receipt copies and pics before an occurence; i used to pay extra, now i dont, our garage door weights like 2500lbs, and when our power went out once during one of the hurricanes-power out for 3days-, me and 5 neighbour guys , released it to open manually, and we could barely get it up beyond 6inches-and i very rarely drive the audi anymore, best wishes-ssims

ssims · Post by **ssims** » Thu Jan 08, 2009 8:29 pm

thanks alot

all i can do is hope its bad enough i pay a grip load on the insurance as it is but the garage isnt connected to my condo and what really a pain in the ass is all the paper work