Keep those garage doors closed at all times!!! Last night while I slept
someone broke into my garage through the side door, was brazen enough to
apparently open the electric garage door, and load up their car with my
things.
Items gone:
Dewalt DW735 Planer
Dewalt 515K VSR Hammer drill
Dewalt DW433K Belt Sander
Dewalt DW621 Plunge router
Grizzly 10Gal air compressor
Grizzly Pro Series nailer
Ryobi Oscillating spindle sander
Non-tools: Mountain bike worth about $1800.
I've contacted the insurance company, but think I'm going to have difficulty
proving ownership for all of it, as many of the items are a few years old
and receipts are long gone. I'm still in sick about it this evening and
have been all day since this morning. I think someone (possibly a
neighborhood gardender) has seen my shop when the garage door was open and
finally came back last night. It is curious that some things out in the
open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw, Makita
cordless drill. They also missed a few cabinets worth of hand power tools,
thankfully. And my Porter Cable miter saw, bolted to its table, and
Milwaukee router in the router table are safe as well.
The cost of replacement is definitely going to blow my new jointer budget.
Oh well, I guess it could have been worse.
Brian.
SteveC1280 wrote:
> My house was broken into. He came back a while later to get what he didn't get
> the first time. So be very careful with what was left behind. Get a motion
> detector and a loud alarm. In my case, we caught the thief after his return
> trip. He got 3 years in jail.
If I'd have caught the thief he'd have had a couple of broken limbs to
go with his 3 years...
"No officer, no idea how he broke his legs... maybe he tripped over the
step while illegally entering my garage..."
However, not everyone has the ability/inclination to tackle a burgalar.
Andy
Greg Millen wrote:
>>What is really sad is that burglars have been injured in the places they
>>were stealing from and sued the owners and won!
>
> On the flip side, a burglar in England years ago broke through the roof of a
> Fish and Chip store shortly after closing (around 11pm). He jumped from the
> ceiling space to the floor but in the darkness landed in the deep fryer vat
> instead. They found him in the morning - deep fryed.
>
> (It may well be a urban myth, I'd rather not know though)
I live in England and haven't heard anything about that...
Sorry to potentially burst your bubble...
Cheers,
Andy
J. Clarke wrote:
> If you value your property, do not gratuitously injure an intruder in the
> US.
I'm not in the US (as my email address will show).
> The law _should_ be that whatever happens to someone who breaks into a
> house is his fault and his problem and he has no recourse against his
> intended victims no matter what they did to him in the interval between his
> entering the premises and the time the police took him into custody. But
> in our loony-tune times you'll likely hear from the intruder's lawyer
> before you hear from the prosecutor.
Completely agree...
However, it should be arguable that the intruder was startled by the
homeowners discovery and got violent. In the insuing altercation some
injuries occured before the intruder was able to be sufficiently
apprehended...
Andy
Edwin Pawlowski wrote:
>>"No officer, no idea how he broke his legs... maybe he tripped over the
>>step while illegally entering my garage..."
>
> What is really sad is that burglars have been injured in the places they
> were stealing from and sued the owners and won!
Yeah, I know. The Tony Martin case in England makes me sick to my
stomach...
Andy
>
> Much depends on the insurance company and the claim adjuster. We had no
> problems proving loss of items, some upwards of 15 years old, in our fire
last
> year. Receipts have been gone for a decade or more.
>
> I sympathize with your loss and hope you've got a good insurance company.
>
Thank you for the encouragement. Hopefully the fact that I've been a loyal
client of this insurance company for 7 years with the home policy and 12
years with the auto policy, and have NEVER submitted a claim to date will
weigh in my favor.
Brian.
This is a multi-part message in MIME format.
------=_NextPart_000_001E_01C441D5.5AD451C0
Content-Type: text/plain;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable
Nick, thanks for the input. I'll contact you if I have any questions =
after the adjuster contacts me.
Brian.
"Nick Bozovich" <[email protected]> wrote in message =
news:[email protected]...
Brian -
Just a few tips when you deal with your insurance company. If you =
have the instruction manuals, warranty cards, etc, those can work as =
proof that you owned the items you're claiming. Also, if you filled out =
the warranty cards and sent them in to Dewalt, PC, Grizzly, or others, =
they will have that information on record, and can give you a letter or =
form that confirms when you registered. Most of these large companies =
keep good records for product liability purposes - some keep them for 7 =
- 10 years. =20
If you purchased from one of the Borg and used a credit card, both the =
Borg and the credit card company will have that information and can give =
you a report showing when you pruchased. Did you have any repair work =
done on any of the tools? If so, go to the the repair shop and get a =
copy of your receipt. Also, did you have any photos or videos of your =
shop and tools? Those will be additional proof.
Lastly, when you file an insurance claim, you will probably do a =
"Proof of Loss" form, which is your sworn statement that you had the =
items, had a loss by burglary, and are claiming $X,XXX.XX. Once you =
file that, with your sworn statement that you owned the items, it's up =
to them to prove you didn't have them.
Good luck - I hop you come out ok - do a follow up post and let us =
know. If you have any questions about the claim process and want to =
email me direct, I've encoded my email address below my name - I've been =
in insurance claims for 25 years, so I can probably answer any questions =
you may have during the "process".
Nick B
n dot bozovich at verizon dot net
"Brian" <[email protected]> wrote in message =
news:[email protected]...
> Keep those garage doors closed at all times!!! Last night while I =
slept
> someone broke into my garage through the side door, was brazen =
enough to
> apparently open the electric garage door, and load up their car with =
my
> things.
>=20
> Items gone:
>=20
> Dewalt DW735 Planer
> Dewalt 515K VSR Hammer drill
> Dewalt DW433K Belt Sander
> Dewalt DW621 Plunge router
> Grizzly 10Gal air compressor
> Grizzly Pro Series nailer
> Ryobi Oscillating spindle sander
>=20
> Non-tools: Mountain bike worth about $1800.
>=20
> I've contacted the insurance company, but think I'm going to have =
difficulty
> proving ownership for all of it, as many of the items are a few =
years old
> and receipts are long gone. I'm still in sick about it this evening =
and
> have been all day since this morning. I think someone (possibly a
> neighborhood gardender) has seen my shop when the garage door was =
open and
> finally came back last night. It is curious that some things out in =
the
> open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw, =
Makita
> cordless drill. They also missed a few cabinets worth of hand power =
tools,
> thankfully. And my Porter Cable miter saw, bolted to its table, and
> Milwaukee router in the router table are safe as well.
>=20
> The cost of replacement is definitely going to blow my new jointer =
budget.
> Oh well, I guess it could have been worse.
>=20
> Brian.
>=20
>=20
>=20
>=20
>
------=_NextPart_000_001E_01C441D5.5AD451C0
Content-Type: text/html;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<HTML><HEAD>
<META http-equiv=3DContent-Type content=3D"text/html; =
charset=3Diso-8859-1">
<META content=3D"MSHTML 6.00.2800.1400" name=3DGENERATOR>
<STYLE></STYLE>
</HEAD>
<BODY bgColor=3D#ffffff>
<DIV><FONT face=3DArial size=3D2>Nick, thanks for the input. I'll =
contact you=20
if I have any questions after the adjuster contacts me.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Brian.</FONT></DIV>
<BLOCKQUOTE=20
style=3D"PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; =
BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV>"Nick Bozovich" <<A =
href=3D"mailto:[email protected]">[email protected]</A>>=20
wrote in message <A=20
=
href=3D"news:[email protected]">news:__ysc.16866$=
[email protected]</A>...</DIV>
<DIV><FONT face=3DArial size=3D2>Brian -</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Just a few tips when you deal with =
your insurance=20
company. If you have the instruction manuals, warranty cards, =
etc, those=20
can work as proof that you owned the items you're claiming. =
Also, if you=20
filled out the warranty cards and sent them in to Dewalt, PC, Grizzly, =
or=20
others, they will have that information on record, and can give you a =
letter=20
or form that confirms when you registered. Most of these large =
companies=20
keep good records for product liability purposes - some keep them for =
7 - 10=20
years. </FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>If you purchased from one of the Borg =
and used a=20
credit card, both the Borg and the credit card company will have that=20
information and can give you a report showing when you =
pruchased. Did=20
you have any repair work done on any of the tools? If so, go to =
the the=20
repair shop and get a copy of your receipt. Also, did you have =
any=20
photos or videos of your shop and tools? Those will be =
additional=20
proof.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Lastly, when you file an insurance =
claim, you=20
will probably do a "Proof of Loss" form, which is your sworn statement =
that=20
you had the items, had a loss by burglary, and are claiming =
$X,XXX.XX. =20
Once you file that, with your sworn statement that you owned the =
items, it's=20
up to them to prove you <U>didn't</U> have them.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Good luck - I hop you come out ok - =
do a follow=20
up post and let us know. If you have any questions about the =
claim=20
process and want to email me direct, I've encoded my email address =
below my=20
name - I've been in insurance claims for 25 years, so I can =
probably=20
answer any questions you may have during =
the "process".</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Nick B</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>n dot bozovich at verizon dot =
net</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>"Brian" <</FONT><A=20
href=3D"mailto:[email protected]"><FONT face=3DArial=20
size=3D2>[email protected]</FONT></A><FONT face=3DArial =
size=3D2>> wrote in=20
message </FONT><A =
href=3D"news:[email protected]"><FONT=20
face=3DArial =
size=3D2>news:[email protected]</FONT></A><FONT=20
face=3DArial size=3D2>...</FONT></DIV><FONT face=3DArial size=3D2>> =
Keep those=20
garage doors closed at all times!!! Last night while I =
slept<BR>>=20
someone broke into my garage through the side door, was brazen enough=20
to<BR>> apparently open the electric garage door, and load up their =
car=20
with my<BR>> things.<BR>> <BR>> Items gone:<BR>> <BR>> =
Dewalt=20
DW735 Planer<BR>> Dewalt 515K VSR Hammer drill<BR>> Dewalt =
DW433K Belt=20
Sander<BR>> Dewalt DW621 Plunge router<BR>> Grizzly 10Gal air=20
compressor<BR>> Grizzly Pro Series nailer<BR>> Ryobi Oscillating =
spindle=20
sander<BR>> <BR>> Non-tools: Mountain bike worth about =
$1800.<BR>>=20
<BR>> I've contacted the insurance company, but think I'm going to =
have=20
difficulty<BR>> proving ownership for all of it, as many of the =
items are a=20
few years old<BR>> and receipts are long gone. I'm still in =
sick=20
about it this evening and<BR>> have been all day since this =
morning. =20
I think someone (possibly a<BR>> neighborhood gardender) has seen =
my shop=20
when the garage door was open and<BR>> finally came back last =
night. =20
It is curious that some things out in the<BR>> open didn't =
disappear, such=20
as a Skil 77 circ saw, Festool jigsaw, Makita<BR>> cordless =
drill. =20
They also missed a few cabinets worth of hand power tools,<BR>>=20
thankfully. And my Porter Cable miter saw, bolted to its table,=20
and<BR>> Milwaukee router in the router table are safe as =
well.<BR>>=20
<BR>> The cost of replacement is definitely going to blow my new =
jointer=20
budget.<BR>> Oh well, I guess it could have been worse.<BR>> =
<BR>>=20
Brian.<BR>> <BR>> <BR>> <BR>> <BR>>=20
</FONT></BLOCKQUOTE></BODY></HTML>
------=_NextPart_000_001E_01C441D5.5AD451C0--
"Brian" <[email protected]> wrote:
>Keep those garage doors closed at all times!!! Last night while I slept
>someone broke into my garage through the side door, was brazen enough to
>apparently open the electric garage door, and load up their car with my
>things.
>
>Items gone:
>
>Dewalt DW735 Planer
>Dewalt 515K VSR Hammer drill
>Dewalt DW433K Belt Sander
>Dewalt DW621 Plunge router
>Grizzly 10Gal air compressor
>Grizzly Pro Series nailer
>Ryobi Oscillating spindle sander
[snip]
You live in a metro area? How many people know you have this kind of
stuff. I tend to keep what I have to myself.
I hope you get your stuff back. Please post an update on what happens
with your insurance company.
Wes
--
Reply to:
Whiskey Echo Sierra Sierra AT Gee Tee EYE EYE dot COM
Lycos address is a spam trap.
Brian writes:
>
>Keep those garage doors closed at all times!!! Last night while I slept
>someone broke into my garage through the side door, was brazen enough to
>apparently open the electric garage door, and load up their car with my
>things.
>
>Items gone:
>
>Dewalt DW735 Planer
>Dewalt 515K VSR Hammer drill
>Dewalt DW433K Belt Sander
>Dewalt DW621 Plunge router
>Grizzly 10Gal air compressor
>Grizzly Pro Series nailer
>Ryobi Oscillating spindle sander
>
>Non-tools: Mountain bike worth about $1800.
>
>I've contacted the insurance company, but think I'm going to have difficulty
>proving ownership for all of it, as many of the items are a few years old
>and receipts are long gone.
Much depends on the insurance company and the claim adjuster. We had no
problems proving loss of items, some upwards of 15 years old, in our fire last
year. Receipts have been gone for a decade or more.
I sympathize with your loss and hope you've got a good insurance company.
When your new tools arrive, break out the video camera or your digital camera
and get good photos of every item, including those now on hand. Stash the video
or CD in a fire-safe location.
Charlie Self
"Bore, n.: A person who talks when you wish him to listen." Ambrose Bierce, The
Devil's Dictionary
My house was broken into. He came back a while later to get what he didn't get
the first time. So be very careful with what was left behind. Get a motion
detector and a loud alarm. In my case, we caught the thief after his return
trip. He got 3 years in jail.
>
>
>
>
Remove the 'remove' in my address to e:mail me.
In article <[email protected]>, Brian
<[email protected]> wrote:
> Keep those garage doors closed at all times!!! Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door, and load up their car with my
> things.
Man, that sucks.
> I've contacted the insurance company, but think I'm going to have difficulty
> proving ownership for all of it, as many of the items are a few years old
> and receipts are long gone.
Receipts don't prove ownership. I've gone through old papers and found
receipts for things I'd long ago sold, given away, or just tossed in
the junk heap.
Surely your insurance company isn't demanding receipts . . . are they?
Kevin
In article <[email protected]>, Swingman
<[email protected]> wrote:
> With regard to the insurance company sentiments above, don't count on it.
> These days a brand new relationship starts with each renewal/payment cycle.
That can work in the consumer's favor, too.
When we had a massive ice storm in this area a few years ago, the
different insurance companies' approaches were interesting. Farmer's
and Allstate dragged their feet, argued, and bucked.
State Farm, though, realized that they were in the business of keeping
customers. They hit town and started THROWING money at customers. My
agent told me, "Just get an estimate. We'll pay it!" I was too busy
cleaning up damage (and helping others clean up theirs) to call very
busy contractors, so I waited until one of the adjusters stopped by. He
found stuff I'd have never thought to get estimates on, which increased
my check by several thousand dollars.
I had that check in my hand within four hours of the adjuster's
arrival, btw.
Needless to say, State Farm retained lots of satisfied customers. The
others' customers immediately started shopping.
> 35 years with USAA, one of the best until the MBA's took over about ten
> years ago, woke me up to that sad fact.
Sorry to hear that. I had USAA while I was in the Army 15+ years ago. I
still get an occasional piece of mail for them, and I've considered
getting a comparison. Thanks for the advice.
Kevin
In article <260520040641422866%[email protected]>, Kevin Craig
<[email protected]> wrote:
> In article <[email protected]>, Swingman
> <[email protected]> wrote:
>
> >
> > 35 years with USAA, one of the best until the MBA's took over about ten
> > years ago, woke me up to that sad fact.
>
> Sorry to hear that. I had USAA while I was in the Army 15+ years ago. I
> still get an occasional piece of mail for them, and I've considered
> getting a comparison. Thanks for the advice.
>
> Kevin
I've seen a substantial decrease in customer focus from USAA over the
last 18 years but the rates are still good and the one claim I've had
they did pay promptly. I'm always looking though!
Allen
A suggestion for everyone....
Take a few pictures of your tools and go visit your insurance agent.
Ask if these tools were stolen or lost to a natural disaster, will
they replace them at FULL CURRENT REPLACEMENT VALUE?
If the answer is "Yes", then have them put that answer in writing.
If the answer is "No", then either get a policy rider for the tools or
go get a new insurance agent.
The point is to ask the question and know the answer BEFORE you ever
need to ask the question in the future.
I have seen others undergo fires, floods, theft and tornadoes where
their prized tools were destroyed. While it is sad enough to lose
those tools that they loved, it is far sadder to learn that the
insurance you thought you had doesn't cover your lost processions.
Considering that many insurance companies have been changing their
internal procedures to maximize profits, if your policy doesn't
specifically say it will cover 100% REPLACEMENT COSTS FOR TOOLS then
you are very likely not adequately covered. Most consumers will not
know this until after they need to. By then it is far too late.
Brian, good luck with your situation and I hope it turns out well for
you...and very. very badly for the scum who violated your sanctuary.
TMT
[email protected] (Bill McNutt) wrote in message news:<[email protected]>...
> Here's something to frost your preserves: Because we owned
> "professional grade" tools, my Dad's homeowner's insurance refused to
> cover our loss! They weren't "homeowner's tools."
>
> Bill
"Brian" <[email protected]> wrote in message
news:[email protected]...
> Keep those garage doors closed at all times!!! Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door,
They probably used the release and opened the door manually.
>
>Fast forward a few years.... I did my periodic shopping for a better
>car/house insurance rates and was told that I was not eligible for some of
>the best rates because "I had filed a claim"
>
>I got burned on this with car rates as well, having filed a claim for having
>my car towed once. It was about a mile and cost $60. I was reimbursed $35.
>No questions were asked but when it came shopping time.... "you made a
>claim".
==========================\
I just yesterday cancelled my Home Owners Insurance (Nationwide) and
went with another company (Metlife) and saved 31 percent .... would
have switched iinsurance companies anyway to get a 30 percent
reduction...
BUT I have to agree with you on the "claims deal".... The Insurance
companies all check your record for past claims ...which I honestly
believe is ok... BUT Pissing 6 to 7 hundred bucks to protect my
property and then being afraid to make a claim is just stupid...
I have lived in my home for going on 30 years and have only had one
claim (snow damage to a patio roof well over 10 years ago...and THAT
CLAIM SHOWED UP when I just changed insurance companies... Do not
really know if I was charged more because of the claim since I was
happy to save a few hundred bucks BUT I wonder just how long that one
claom will keep being reported..
Bob Griffiths
Andy Jeffries wrote:
> SteveC1280 wrote:
> > My house was broken into. He came back a while later to get what he didn't get
> > the first time. So be very careful with what was left behind. Get a motion
> > detector and a loud alarm. In my case, we caught the thief after his return
> > trip. He got 3 years in jail.
>
> If I'd have caught the thief he'd have had a couple of broken limbs to
> go with his 3 years...
>
> "No officer, no idea how he broke his legs... maybe he tripped over the
> step while illegally entering my garage..."
>
> However, not everyone has the ability/inclination to tackle a burgalar.
>
> Andy
Just shoot the S.O.B. "Officer, it looked like he had a gun pointed at me so I fired
before he could."
My loaded Mossberg 590 is always within reach at night. The thing is so ugly I have
to hide it under my bed.
Hoyt W.
Kevin Craig <[email protected]> writes:
>Needless to say, State Farm retained lots of satisfied customers. The
>others' customers immediately started shopping.
Any new insurer is probably going to quote you a higher price for a policy
right after you filed a claim with your old insurer.
There is a nationwide database of properties and claims against them that
is maintained by the insurance industry.
The best time to shop for insurance is when you haven't had a claim for a
long time.
Brian Elfert
It kills me that a**holes will steal your tools, sort of like a horse
thief, they should be hogtied and strung up the nearest tree. Sorry
for your loss, and I hope the insurance company pays up.
That being said, depending on how you make out with the beancounter
insurance adjuster who is going to try and skin you so he's a hero
with his boss, to the extent you do not recover the value of the lost
property through insurance (and maybe even if you do get reimbursed,
I'm not sure about that so check it with an accountant or tax lawyer
buddy you might know, or for that matter call the IRS's hot line), you
clearly have a "theft loss" deduction on your income tax, so if you
itemize be sure to claim it when you file your federal income tax
return next year.
Mutt
"Brian" <[email protected]> wrote in message news:<[email protected]>...
> Keep those garage doors closed at all times!!! Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door, and load up their car with my
> things.
>
> Items gone:
>
> Dewalt DW735 Planer
> Dewalt 515K VSR Hammer drill
> Dewalt DW433K Belt Sander
> Dewalt DW621 Plunge router
> Grizzly 10Gal air compressor
> Grizzly Pro Series nailer
> Ryobi Oscillating spindle sander
>
> Non-tools: Mountain bike worth about $1800.
>
> I've contacted the insurance company, but think I'm going to have difficulty
> proving ownership for all of it, as many of the items are a few years old
> and receipts are long gone. I'm still in sick about it this evening and
> have been all day since this morning. I think someone (possibly a
> neighborhood gardender) has seen my shop when the garage door was open and
> finally came back last night. It is curious that some things out in the
> open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw, Makita
> cordless drill. They also missed a few cabinets worth of hand power tools,
> thankfully. And my Porter Cable miter saw, bolted to its table, and
> Milwaukee router in the router table are safe as well.
>
> The cost of replacement is definitely going to blow my new jointer budget.
> Oh well, I guess it could have been worse.
>
> Brian.
"Andy Jeffries" <[email protected]> wrote in message
>
> "No officer, no idea how he broke his legs... maybe he tripped over the
> step while illegally entering my garage..."
>
What is really sad is that burglars have been injured in the places they
were stealing from and sued the owners and won!
Ed
"Brian" writes:
> Keep those garage doors closed at all times!!! Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door, and load up their car with my
> things.
<snip>
I can relate, it happened to me and my place was locked, but a big pair of
bolt cutters gave the bad guys an advantage.
About now, you probably feel violated, but there is a bright side.
You will get replacement tools, some of which will be better than the ones
stolen, it only takes money, and life moves on.
Good luck.
--
Lew
S/A: Challenge, The Bullet Proof Boat, (Under Construction in the Southland)
Visit: <http://home.earthlink.net/~lewhodgett> for Pictures
Brian wrote:
> Keep those garage doors closed at all times!!! Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door, and load up their car with my
> things.
>
> Items gone:
>
> Dewalt DW735 Planer
> Dewalt 515K VSR Hammer drill
> Dewalt DW433K Belt Sander
> Dewalt DW621 Plunge router
> Grizzly 10Gal air compressor
> Grizzly Pro Series nailer
> Ryobi Oscillating spindle sander
>
> Non-tools: Mountain bike worth about $1800.
>
> I've contacted the insurance company, but think I'm going to have
> difficulty proving ownership for all of it, as many of the items are a few
> years old
> and receipts are long gone. I'm still in sick about it this evening and
> have been all day since this morning. I think someone (possibly a
> neighborhood gardender) has seen my shop when the garage door was open and
> finally came back last night. It is curious that some things out in the
> open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw, Makita
> cordless drill. They also missed a few cabinets worth of hand power
> tools,
> thankfully. And my Porter Cable miter saw, bolted to its table, and
> Milwaukee router in the router table are safe as well.
>
> The cost of replacement is definitely going to blow my new jointer budget.
> Oh well, I guess it could have been worse.
>
> Brian.
Neighbor in the house next to mine spends most of her time in a nearby city
where the rest of her family lives. She came back one day to find her
garage empty, someone had chipped away at the morter around a couple cement
blocks and was able to remove enough to get in and disable the alarm and
open the door. Had to be someone that knew her and her schedule.
Bill McNutt wrote:
> Here's something to frost your preserves: Because we owned
> "professional grade" tools, my Dad's homeowner's insurance refused to
> cover our loss! They weren't "homeowner's tools."
>
> Bill
Allstate did the same thing to me. I had a toolbag stolen from my truck and
they didn't want to cover it because it was in my truck so I could have
used it for my job. They finally agreed to pay but pro-rated the worth of
everything down to nothing even though I paid for a replacement value
policy. Needless to say I don't have insurance with them any longer.
"Brian" <[email protected]> wrote in
news:[email protected]:
> I've contacted the insurance company, but think I'm going to have
> difficulty proving ownership for all of it, as many of the items are a
> few years old
>
We had a break-in 20 or more years ago. The insurance company didn't
believe us when we claimed a home-made quilted pillow. I sent them a color
slide of the pillow and they paid up.
Moral of this anecdote (sort of): Pictures of your shop can prove what was
there at some point in time.
--
Best regards
Han
email address is invalid
"Brian" <[email protected]> wrote in
news:[email protected]:
> Last night while I slept
> someone broke into my garage through the side door, was brazen enough to
> apparently open the electric garage door, and load up their car with my
> things.
>
Sorry to hear that, Brian. Hate to say it, but more often than not, these
things are the work of an insider...someone who has seen or heard you
describe your gear. Any suspects? I hope you filed a police report.
--
Bill
This is a multi-part message in MIME format.
------=_NextPart_000_0007_01C441E6.25203DD0
Content-Type: text/plain;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable
Brian -
Just a few tips when you deal with your insurance company. If you have =
the instruction manuals, warranty cards, etc, those can work as proof =
that you owned the items you're claiming. Also, if you filled out the =
warranty cards and sent them in to Dewalt, PC, Grizzly, or others, they =
will have that information on record, and can give you a letter or form =
that confirms when you registered. Most of these large companies keep =
good records for product liability purposes - some keep them for 7 - 10 =
years. =20
If you purchased from one of the Borg and used a credit card, both the =
Borg and the credit card company will have that information and can give =
you a report showing when you pruchased. Did you have any repair work =
done on any of the tools? If so, go to the the repair shop and get a =
copy of your receipt. Also, did you have any photos or videos of your =
shop and tools? Those will be additional proof.
Lastly, when you file an insurance claim, you will probably do a "Proof =
of Loss" form, which is your sworn statement that you had the items, had =
a loss by burglary, and are claiming $X,XXX.XX. Once you file that, =
with your sworn statement that you owned the items, it's up to them to =
prove you didn't have them.
Good luck - I hop you come out ok - do a follow up post and let us know. =
If you have any questions about the claim process and want to email me =
direct, I've encoded my email address below my name - I've been in =
insurance claims for 25 years, so I can probably answer any questions =
you may have during the "process".
Nick B
n dot bozovich at verizon dot net
"Brian" <[email protected]> wrote in message =
news:[email protected]...
> Keep those garage doors closed at all times!!! Last night while I =
slept
> someone broke into my garage through the side door, was brazen enough =
to
> apparently open the electric garage door, and load up their car with =
my
> things.
>=20
> Items gone:
>=20
> Dewalt DW735 Planer
> Dewalt 515K VSR Hammer drill
> Dewalt DW433K Belt Sander
> Dewalt DW621 Plunge router
> Grizzly 10Gal air compressor
> Grizzly Pro Series nailer
> Ryobi Oscillating spindle sander
>=20
> Non-tools: Mountain bike worth about $1800.
>=20
> I've contacted the insurance company, but think I'm going to have =
difficulty
> proving ownership for all of it, as many of the items are a few years =
old
> and receipts are long gone. I'm still in sick about it this evening =
and
> have been all day since this morning. I think someone (possibly a
> neighborhood gardender) has seen my shop when the garage door was open =
and
> finally came back last night. It is curious that some things out in =
the
> open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw, =
Makita
> cordless drill. They also missed a few cabinets worth of hand power =
tools,
> thankfully. And my Porter Cable miter saw, bolted to its table, and
> Milwaukee router in the router table are safe as well.
>=20
> The cost of replacement is definitely going to blow my new jointer =
budget.
> Oh well, I guess it could have been worse.
>=20
> Brian.
>=20
>=20
>=20
>=20
>
------=_NextPart_000_0007_01C441E6.25203DD0
Content-Type: text/html;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<HTML><HEAD>
<META http-equiv=3DContent-Type content=3D"text/html; =
charset=3Diso-8859-1">
<META content=3D"MSHTML 6.00.2800.1400" name=3DGENERATOR>
<STYLE></STYLE>
</HEAD>
<BODY>
<DIV><FONT face=3DArial size=3D2>Brian -</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>Just a few tips when you deal with your =
insurance=20
company. If you have the instruction manuals, warranty cards, etc, =
those=20
can work as proof that you owned the items you're claiming. Also, =
if you=20
filled out the warranty cards and sent them in to Dewalt, PC, Grizzly, =
or=20
others, they will have that information on record, and can give you a =
letter or=20
form that confirms when you registered. Most of these large =
companies keep=20
good records for product liability purposes - some keep them for 7 - 10=20
years. </FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>If you purchased from one of the Borg =
and used a=20
credit card, both the Borg and the credit card company will have that=20
information and can give you a report showing when you pruchased. =
Did you=20
have any repair work done on any of the tools? If so, go to the =
the repair=20
shop and get a copy of your receipt. Also, did you have any photos =
or=20
videos of your shop and tools? Those will be additional=20
proof.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Lastly, when you file an insurance =
claim, you will=20
probably do a "Proof of Loss" form, which is your sworn statement that =
you had=20
the items, had a loss by burglary, and are claiming $X,XXX.XX. =
Once you=20
file that, with your sworn statement that you owned the items, it's up =
to them=20
to prove you <U>didn't</U> have them.</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Good luck - I hop you come out ok - do =
a follow up=20
post and let us know. If you have any questions about the claim =
process=20
and want to email me direct, I've encoded my email address below my name =
- I've=20
been in insurance claims for 25 years, so I can probably answer any =
questions you may have during the "process".</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>Nick B</FONT></DIV>
<DIV><FONT face=3DArial size=3D2>n dot bozovich at verizon dot =
net</FONT></DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2></FONT> </DIV>
<DIV><FONT face=3DArial size=3D2>"Brian" <</FONT><A=20
href=3D"mailto:[email protected]"><FONT face=3DArial=20
size=3D2>[email protected]</FONT></A><FONT face=3DArial size=3D2>> =
wrote in=20
message </FONT><A href=3D"news:[email protected]"><FONT =
face=3DArial =
size=3D2>news:[email protected]</FONT></A><FONT=20
face=3DArial size=3D2>...</FONT></DIV><FONT face=3DArial size=3D2>> =
Keep those garage=20
doors closed at all times!!! Last night while I slept<BR>> =
someone=20
broke into my garage through the side door, was brazen enough to<BR>> =
apparently open the electric garage door, and load up their car with =
my<BR>>=20
things.<BR>> <BR>> Items gone:<BR>> <BR>> Dewalt DW735=20
Planer<BR>> Dewalt 515K VSR Hammer drill<BR>> Dewalt DW433K Belt=20
Sander<BR>> Dewalt DW621 Plunge router<BR>> Grizzly 10Gal air=20
compressor<BR>> Grizzly Pro Series nailer<BR>> Ryobi Oscillating =
spindle=20
sander<BR>> <BR>> Non-tools: Mountain bike worth about =
$1800.<BR>>=20
<BR>> I've contacted the insurance company, but think I'm going to =
have=20
difficulty<BR>> proving ownership for all of it, as many of the items =
are a=20
few years old<BR>> and receipts are long gone. I'm still in =
sick about=20
it this evening and<BR>> have been all day since this morning. =
I think=20
someone (possibly a<BR>> neighborhood gardender) has seen my shop =
when the=20
garage door was open and<BR>> finally came back last night. It =
is=20
curious that some things out in the<BR>> open didn't disappear, such =
as a=20
Skil 77 circ saw, Festool jigsaw, Makita<BR>> cordless drill. =
They also=20
missed a few cabinets worth of hand power tools,<BR>> =
thankfully. And=20
my Porter Cable miter saw, bolted to its table, and<BR>> Milwaukee =
router in=20
the router table are safe as well.<BR>> <BR>> The cost of =
replacement is=20
definitely going to blow my new jointer budget.<BR>> Oh well, I guess =
it=20
could have been worse.<BR>> <BR>> Brian.<BR>> <BR>> <BR>> =
<BR>> <BR>> </FONT></BODY></HTML>
------=_NextPart_000_0007_01C441E6.25203DD0--
"Edwin Pawlowski" <[email protected]> wrote in message
news:[email protected]...
> What is really sad is that burglars have been injured in the places they
> were stealing from and sued the owners and won!
On the flip side, a burglar in England years ago broke through the roof of a
Fish and Chip store shortly after closing (around 11pm). He jumped from the
ceiling space to the floor but in the darkness landed in the deep fryer vat
instead. They found him in the morning - deep fryed.
(It may well be a urban myth, I'd rather not know though)
Greg
Andy Jeffries wrote:
> SteveC1280 wrote:
>> My house was broken into. He came back a while later to get what he
>> didn't get
>> the first time. So be very careful with what was left behind. Get a
>> motion
>> detector and a loud alarm. In my case, we caught the thief after his
>> return trip. He got 3 years in jail.
>
> If I'd have caught the thief he'd have had a couple of broken limbs to
> go with his 3 years...
>
> "No officer, no idea how he broke his legs... maybe he tripped over the
> step while illegally entering my garage..."
>
> However, not everyone has the ability/inclination to tackle a burgalar.
If you value your property, do not gratuitously injure an intruder in the
US. The law _should_ be that whatever happens to someone who breaks into a
house is his fault and his problem and he has no recourse against his
intended victims no matter what they did to him in the interval between his
entering the premises and the time the police took him into custody. But
in our loony-tune times you'll likely hear from the intruder's lawyer
before you hear from the prosecutor.
Remember, the law is not what the statutes say or what is right or good, it
is what a lawyer can convince a judge and jury that it is.
> Andy
--
--John
Reply to jclarke at ae tee tee global dot net
(was jclarke at eye bee em dot net)
>
> That can work in the consumer's favor, too.
>
> When we had a massive ice storm in this area a few years ago, the
> different insurance companies' approaches were interesting. Farmer's
> and Allstate dragged their feet, argued, and bucked.
>
> State Farm, though, realized that they were in the business of keeping
> customers. They hit town and started THROWING money at customers. My
> agent told me, "Just get an estimate. We'll pay it!" I was too busy
> cleaning up damage (and helping others clean up theirs) to call very
> busy contractors, so I waited until one of the adjusters stopped by. He
> found stuff I'd have never thought to get estimates on, which increased
> my check by several thousand dollars.
>
I had a similar experience.... but let me finish the story:
Ice storm '98 NE New York.... I was told explicitly that if my claim was <
$2000 they would just pay it. Some stuff they would allow, some not. If tree
fell and damage the house, they would pay to have the damage fixed and the
tree removed. Trees that just littered the lot, You're on your own.
There were allot of costs which were not. I made some generous estimates on
a few things and recouped a little bit of the costs of the whole event.
Fast forward a few years.... I did my periodic shopping for a better
car/house insurance rates and was told that I was not eligible for some of
the best rates because "I had filed a claim"
I got burned on this with car rates as well, having filed a claim for having
my car towed once. It was about a mile and cost $60. I was reimbursed $35.
No questions were asked but when it came shopping time.... "you made a
claim".
If you have to pay for it later on in higher premiums, why bother?
I no longer pay a "towing premium" I keep my deductibles high so that
insurance claims are only for "catastrophic losses"
-Steve
"Mutt" <[email protected]> wrote in message
news:[email protected]...
> It kills me that a**holes will steal your tools, sort of like a horse
> thief, they should be hogtied and strung up the nearest tree. Sorry
> for your loss, and I hope the insurance company pays up.
>
> That being said, depending on how you make out with the beancounter
> insurance adjuster who is going to try and skin you so he's a hero
> with his boss, to the extent you do not recover the value of the lost
> property through insurance (and maybe even if you do get reimbursed,
> I'm not sure about that so check it with an accountant or tax lawyer
> buddy you might know, or for that matter call the IRS's hot line), you
> clearly have a "theft loss" deduction on your income tax, so if you
> itemize be sure to claim it when you file your federal income tax
> return next year.
ianacpa, but this deduction is pretty useless unless you have a low agi,
since the loss over (i think) 7%, and anything less is not deductible.
> Mutt
>
>
> "Brian" <[email protected]> wrote in message
news:<[email protected]>...
> > Keep those garage doors closed at all times!!! Last night while I slept
> > someone broke into my garage through the side door, was brazen enough to
> > apparently open the electric garage door, and load up their car with my
> > things.
> >
> > Items gone:
> >
> > Dewalt DW735 Planer
> > Dewalt 515K VSR Hammer drill
> > Dewalt DW433K Belt Sander
> > Dewalt DW621 Plunge router
> > Grizzly 10Gal air compressor
> > Grizzly Pro Series nailer
> > Ryobi Oscillating spindle sander
> >
> > Non-tools: Mountain bike worth about $1800.
> >
> > I've contacted the insurance company, but think I'm going to have
difficulty
> > proving ownership for all of it, as many of the items are a few years
old
> > and receipts are long gone. I'm still in sick about it this evening and
> > have been all day since this morning. I think someone (possibly a
> > neighborhood gardender) has seen my shop when the garage door was open
and
> > finally came back last night. It is curious that some things out in the
> > open didn't disappear, such as a Skil 77 circ saw, Festool jigsaw,
Makita
> > cordless drill. They also missed a few cabinets worth of hand power
tools,
> > thankfully. And my Porter Cable miter saw, bolted to its table, and
> > Milwaukee router in the router table are safe as well.
> >
> > The cost of replacement is definitely going to blow my new jointer
budget.
> > Oh well, I guess it could have been worse.
> >
> > Brian.
It is good to have a few photos of your shop with the tools clearly
shown. For that matter it is good to photograph your entire house
contents and let someone else hold the photos. In case of fire it goes
a long way to remind you just what has been lost.
I did have a garage robbery some years ago. I reported it -- along with
the fact that I had put my initials on all the hand tools. A short time
later the police contacted me to come and identify some stolen
merchandise. There was an enormous toolbox filled with tools engraved
with my initials. Unfortunately, it belonged to someone else. I had
the impression the police would love to have me claim the box just to
empty out their locker.
Dick
On 26 May 2004 16:33:39 GMT, Brian Elfert <[email protected]> wrote:
>There is a nationwide database of properties and claims against them that
>is maintained by the insurance industry.
I recently checked my record, it's very similar to a credit report in
appearance. I wasn't having any problems, but I wanted to see it out
of curiosity. The report was accurate, showing only a glass claim I
made 3-4 years back.
Barry
Two tidbits.
FIrst, a few years ago my house was broken into and a number of things
were stolen. I had replacement coverage, and while the insurance
company fussed a bit, they did cover everything, eventually. I did
have proof for some items (product manuals, mostly), but no receipts.
It may have helped that the adjuster so royally screwed up the values
and I gave them a spread sheet with the amounts corrected - those in
my favor AND those in theirs.
Second, I just had a ladder stolen and when the police called a tip
the officer gave me was to mark your items with some unique set of
digits, intials, etc. using a dremel, in a not too noticeable area on
the item. Apparently they now have some sort of national database
that pawnshops check and if you have a way of distinctly identifying
the item, they might be able to get it back to ya.
Renata
On Mon, 24 May 2004 18:05:32 -0700, "Brian" <[email protected]>
wrote:
>Keep those garage doors closed at all times!!! Last night while I slept
>someone broke into my garage through the side door, was brazen enough to
>apparently open the electric garage door, and load up their car with my
>things.
>
-snip-
>
>I've contacted the insurance company, but think I'm going to have difficulty
>proving ownership for all of it, as many of the items are a few years old
>and receipts are long gone. -snip-
>
>Brian.
>
>
>
>
On Tue, 25 May 2004 16:03:49 +0000, Eugene <[email protected]>
wrote:
>Bill McNutt wrote:
>
>They finally agreed to pay but pro-rated the worth of
>everything down to nothing even though I paid for a replacement value
>policy. Needless to say I don't have insurance with them any longer.
As if they care. And that's the point that is most irritating. Some
companies get away with this behaviour because they figure if they
lose a particular customer, some new ones will be along presently to
replace him/her. No wonder rules and regulations come about.
"Brian" wrote in message
> Thank you for the encouragement. Hopefully the fact that I've been a
loyal
> client of this insurance company for 7 years with the home policy and 12
> years with the auto policy, and have NEVER submitted a claim to date will
> weigh in my favor.
I sympathize with your loss.
With regard to the insurance company sentiments above, don't count on it.
These days a brand new relationship starts with each renewal/payment cycle.
35 years with USAA, one of the best until the MBA's took over about ten
years ago, woke me up to that sad fact.
--
www.e-woodshop.net
Last update: 5/15/04
On Wed, 26 May 2004 09:11:59 -0400, "Stephen M"
<[email protected]> wrote:
>Fast forward a few years.... I did my periodic shopping for a better
>car/house insurance rates and was told that I was not eligible for some of
>the best rates because "I had filed a claim"
>
>I got burned on this with car rates as well, having filed a claim for having
>my car towed once. It was about a mile and cost $60. I was reimbursed $35.
>No questions were asked but when it came shopping time.... "you made a
>claim".
>
>If you have to pay for it later on in higher premiums, why bother?
Insurance is not a free money program. *Everything* you get from them
you or the other insurers will pay for. The more you get the more you
will pay. Treat insurance as a savings account that you draw out from
if something happens and then you have to put more in it to re-fill
the coffers.
Insurance companies are there to make money for their shareholders,
they don't accomplish that by paying out large claims without
compensation.
Tim Douglass
http://www.DouglassClan.com
I'd be very surprised if the insurance company asks for anything more than a
list of items stolen, model number and description. That's all they wanted
from me in a recent breakin in my house. They also let me do the shopping.
I have replacement cost insurance, so I ended up with brand new items
replacing the old ones. My only loss was a hand gun which is no longer
manuafactured and the peace of mind of feeling safe in my hope. But
financially, I came out to the plus side.
Gary
"Brian" <[email protected]> wrote in message
news:[email protected]...
> > Surely your insurance company isn't demanding receipts . . . are they?
> >
> > Kevin
>
>
> Haven't talked to the adjuster yet. I guess I just assumed they'd want
some
> proof of ownership. I have no pictures of the tools, so I figured that
the
> next best thing would have been receipts.
>
> Brian.
>
>
On Mon, 24 May 2004 18:05:32 -0700, "Brian" <[email protected]>
wrote:
>Non-tools: Mountain bike worth about $1800.
They took the bike, too? Damn!
>I've contacted the insurance company, but think I'm going to have difficulty
>proving ownership for all of it, as many of the items are a few years old
>and receipts are long gone.
Depending on your claim history it may be easier than you think. I've
actually been treated well by Met Life when I needed them.
Good luck, and check eBay and the local pawn shops. My mom was
burglarized in FL a few years back, and I was able to get some of the
stuff back from pawn shops simply by asking, WITHOUT the police. ;^)
Barry