[s_morrison57]

Originally Posted by nineball

i hope you do not have farmers insurance. 2 years ago my garage was broken into and the same thing - two 6' chests full of tools, two air compressors, all power and air tools, jacks, stands, extension cords, etc etc and 2 sets of wheels w/ brand new tires, one for each car. they cleaned me out AND damaged one of my cars by slamming a tool chest into the fender and making a 12" dent.

i had farmers and at first they wanted me to provide receipts for everything i lost. after a long conversation with the adjuster where i explained that having receipts for tools that have been acquired over 20+ years was not only ludacris but impossible they told me to make a list of everything that was gone. i spent quite a few hours going through a sears catalogue making a list and submitted it to the insurance company. for sake of ease i lumped some items together like sockets - i had every 6 and 12 point socket that sears makes (bought a big set then all the missing pieces individually) so instead of listing them one by one i listed the complete set they sell. the total came to around $13000 and 3 weeks later i got a letter telling me since i did not have receipts they were only going to replace the items which had a cost of $100 or less. if they make you do something similar me sure to list every single item individually. do not lump ANYTHING together.

when all was said and done they gave me $8000 total, but the bastards did it in parts like a f'n allowance. they would give me $2000, i had to spend it and provide receipts, then i would get another $2000. needless to say i no longer have them insure any of my vehicles or properties.

to add insult to injury they made me file 3 separate claims - wheels on one car's policy, the other set of wheels and damage on the second car's policy and all the tools on my homeowners policy. yep, i had to pay three $500 deductibles to the rat bastards.

good luck.

Thats insurance companies for you, they are all effing rat bass turds