Need help with my home insurance claim

naiomivixen

Hi there just trying to get some advice, I was broken into just around 4weeks ago they took 99% electricals (television,laptop,consoles and so on) dvd's a bit of gold & silver, my insurance company sent a lady out a week later which i provided as musc as i could now ive had my own hoe for 11years and the jewlrey some was over 7years old all the consoles around 3years old the laptop and my camcorded were brought out the paper, I do not keep recipts after a year unless i buy extended warrenty which i only had on my sat nav (luckerly was in glove box in car) I did have the box's to my sons consoles also the manuals to my sterio some of the box to my televison upstairs but my teleivison downstairs was imported from china and paid by weston union 2years ago (ive wrote to westen union but hered nothing yet) i had a tiffany set (had box's for that) had photos of my son where you can just see the corner of the television down stairs on the wall (clearly a plasma) also a jar of £2 coins can just see that but only just, i gave a list of most of my dvds but theres no way i can remember them all (its stupid) also i gave the insurance woman 9 contacts of which brought a puppy from me last september totel adding to over £5k which 1200 was in a tin on the cupbored, also feel they didnt pay much attention as on the first list i wrote i put my sons Nintendo DS Lite (as couldnt find it) but we did find it he had it under hes pillow and i clearly told her that it was found! I got a letter last week asking for recipts of items she had already seen photos or box'x or manuls for and had told her all were over a year old some 3years old and ie never kept recipts afer a year (after all who thinks there going to be a victum of a brake in) then there was the matter she asked for the NINTENDO DS LITE recipt WHICH id clearly told her a week earlyer was found! What else can i do ??? i feel she hasnt listen?? My son and i are both so upset by all this, also i had to borrow money as mine was stolen and promised to pay back with in a month, im going to the insurancers today as i wrote a letter to her reply a week ago and my brokers told me to cme in today if she hadnt rang, but would really like some advice before hand if any?

sorry so long xx

dogbot

First off, sorry to hear about the theft, it is certainly a horrible and extremely stressful thing to happen to anyone. Could I also suggest you delete the other 2 identical threads you have posted?

You have an insurance broker and they are there to help you put the claim to the insurer, this is one of their major benefits. Defiantly go and see them. Loss adjusters are usualy very busy, and it is a great shame that they are not better at keeping people informed. It may be that they have sent papers to your insurer to ask a question or 10 and are awaiting a reply.

I think that you have a good understanding of why proof of ownership is required so won't bang on about that. You have provided boxes, leads, photos etc all of which should help to prove the claim. It may be that the Loss Adjuster was just trying to confirm in writing that you didn't have any further evidence of ownership.

Regards the TV, did you buy this on Ebay? Do you not have any emails saved about the transaction you could provide?

Make sure the insurer is aware that you retracted the claim for the DS LITE, maybe put a something to them in writing with a simple and clear explanation of your mistake. They should understand.

If you can find anything else, particularly recent photo's, of items then it should help.

They insurers may be questioning why you kept so much cash at home, since this is, I think you will agree, an unusually large amount to have about a house these days.

Insurers and brokers all regularly stress that clients should maintain records of ownership and most wordings will have a clause stating when proof of ownership might be required and what could suffice. Many now include advice about security. No one expects to be robbed, but it happens all the time so we should all be prepared. I keep receipts and photos stored on my PC and a web mail account.

Good luck with your claim.

naiomivixen

the tv was not from ebay i luckerly had a old email in my sent folder and you could see the discusion and the tracking number thay gave me after the payment was recived, the cash ive always keep around the 350mark at home but due to selling 9puppys at 650 each and the way the country and banks were i didnt put any cash in any of my savings accounts! Idid have some photos you could just see some of the items nothing else i could do really, i will in furture keep all recipts an take photos purposley i have ask so many freinds and family if they have recipts of items and everyone of them said no the same as me dont keep after a year so your the exception friend but il make sure i do from now on.