I have a renters policy with Assurant via Geico.in Feb I had a burglary in my home that was both devastating financially and emotionally. Mind you this is the first insurance claim I have EVER filed in my lifetime. Upon completion of the obvious steps calling the police asking around to neighbors about anything seen/heard - I filed my claim, all on the internet per company policy. My assigned adjuster contacted me the following Monday to review the claim. She told me point blank that if I didn't have actual receipts for ALL the items listed they would not pay. I explained to her I use the receipt scanning software to digitally organize my affairs in my PC (you've seen it on TV). But unfortunately THAT PC WAS STOLEN. Then during our "recorded statement" said that photos, manuals, bank statements etc were acceptable items to "Prove ownership". Needless to say I was confused so I ask her again and she stated "Your policy clearly states you must have receipts". Upon my own research I discovered that receipts were NOT the only form of acceptable proof of ownership. So I spent many hours gathering old manuals and sorting through family photos to prove I owned these items. I faxed approx 150 pages of documentation to these people at $1.00 per page at Office Depot. My adjuster calls me after 30 days of no relies or responses to left messages and states her manager demands more proof of ownership and if I cant provide receipts they will not pay. Again asking for things they KNOW I cant provide. Upon my pointing out that what she was doing was in bad faith... She hung up on me. I finally got ahold of her manager who told me my case was now being forwarded for "investigation". Why? Because I was asking for the service they promised to deliver? And now all the sudden because I called them on their various lies? He would not answer my questions and became very combative toward me saying someone will call you in a few days to ask you some questions. I believe these people will use whatever they can to make you feel like a criminal for using the service you pay for. I have consulted legal consul and they said if this course continues I could be entitled to treble damages. (Which is 3x your original claim amount). Either way this Co. Sucks.
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