I had over $2000.00 worth of musical equipment stolen from the bed of my truck. I told the insurance adjuster over the phone that I did not know when or where it was stolen, but they chose to report that it was stolen off my property. The police report even states that the time and place were unknown, because it was the day after that I discovered it missing.
Simply put, the agent on the phone asked me what the address was of the bar I played at the night before, and I looked it up on the internet for him. I was later told that I gave him the address of the bar and that I said that is where it was stolen from. That was their grounds for not paying me.
I argued with the claims department and told the lady that I did give him the address of the bar only because he asked me what it was. It did not cross my mind that he would claim that it was the place the equipment was stolen from. That is what he did, and that was the only reason they would not cover it.
It was the only insurance claim I had ever made in my life. I am also an arson investigator in my town, and I work to save these guys millions a year. I was appalled. I thought this was an open and shut case.
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