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Post by J4M13 on May 25, 2013 20:37:43 GMT -4
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Post by SteveUL on May 27, 2013 8:20:30 GMT -4
And ... just so we all don't unknowingly participate in a fraud ... this is a tactic that is done fairly often during an insurance claim. They make it look like they are actively searching for the items even though they may know that they already sold them or perhaps never existed in the first place.
I'm not saying this particular ad is a fraud ... but this tactic is fairly common.
I know J4M13 knows these people ... but that doesn't preclude them from playing an insurance game. Regular people commit insurance fraud all the time ... many don't view it as a crime ... just like stealing cable/internet ... or downloading movies and music online.
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Post by habh8er on May 27, 2013 14:08:41 GMT -4
Some people sure are low, I hope they find the thief who's responsible for this!
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Post by J4M13 on May 27, 2013 14:51:07 GMT -4
And ... just so we all don't unknowingly participate in a fraud ... this is a tactic that is done fairly often during an insurance claim. They make it look like they are actively searching for the items even though they may know that they already sold them or perhaps never existed in the first place. I'm not saying this particular ad is a fraud ... but this tactic is fairly common. I know J4M13 knows these people ... but that doesn't preclude them from playing an insurance game. Regular people commit insurance fraud all the time ... many don't view it as a crime ... just like stealing cable/internet ... or downloading movies and music online. This will be particularly funny to people on here who know me personally, given that i work in the claims department for a home and auto insurance company, and I'm as cynical as they come. I'm normally the first person to jump to the conclusion that someone is committing fraud. But there is physical damage and a police report from the break-in. If this is fraud, it's not just against the Insurer. If caught, it would be more than a denied claim, it would be criminal charges. I'm not asking for anyone to be a vigilante, or even get involved. I just know that a lot of people on here are collectors of sports memorabilia, and if a large amount of stuff from this list becomes available, please take a minute to let him know. |
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Post by SteveUL on May 27, 2013 15:28:51 GMT -4
I just read the kijiji ad again .. and it just reads strange. The apartment was "destroyed by fire". Some of the stuff was damaged in the fire yet all of it seems to be missing. And ... the person or persons involved hauled it all down a ladder from the 2nd floor without anybody seeing them. Listing the "Shick quattro razor" is a little odd.
J4M13 ... if the items are missing ... and it is just their word that the items existed (as described) ... does a typical apartment insurance policy cover replacement value ? I can say I have Chicago Bears jerseys ... but if I can't prove it do I get paid ?
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Post by J4M13 on May 28, 2013 9:24:05 GMT -4
I just read the kijiji ad again .. and it just reads strange. The apartment was "destroyed by fire". Some of the stuff was damaged in the fire yet all of it seems to be missing. And ... the person or persons involved hauled it all down a ladder from the 2nd floor without anybody seeing them. Listing the "Shick quattro razor" is a little odd. J4M13 ... if the items are missing ... and it is just their word that the items existed (as described) ... does a typical apartment insurance policy cover replacement value ? I can say I have Chicago Bears jerseys ... but if I can't prove it do I get paid ? It's entirely possible that some companies would sell a policy that doesn't cover sports memorabilia. It's kind of in the same category as cash, securities, stamps, and other perishable collectibles (theory being, most of the value is in the certificate of authenticity or supporting documentation). The company I work for extends coverage to these items, but with special limits. I believe that without specifically listing it as a special item on my policy, my memorabilia collection is insured for a maximum of $6000, but I could be wrong on that. But jerseys can be clothing too, and there's no limit on that (assuming they weren't framed). If they were smoke-damaged, the Insurer may opt to clean them instead of replace them, which could affect autographs and such. If they're stolen, it's a difficult job to determine value unless they're replicas. For example, my replica Jonathan Huberdeau jersey is easier to valuate than my game-worn Kevin Gagne. Both are autographed jerseys, but the Huberdeau is replaceable. So, after all that, the short answer comes down to a principle unique to an insurance contract: utmost good faith. If you tell me you had a Bears jersey, and your claim stands up to minimal scrutiny (you have a receipt, or a pic of you wearing it or getting it on Christmas morning, or something like that), you probably get paid. |
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Post by juliansteed on May 28, 2013 23:17:37 GMT -4
Hopefully he had an insurance policy to begin with. A lot of people don't buy insurance unless they need to in order to get a loan, mortgage, car etc. Unfortunately, a lot of people don't buy tenant's insurance.
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