Posted 29 August 2010 - 05:32 AM
"the insurance co... limits your claim to gun replacement to $500... that is unless you have additional insurance listing and covering each gun separately..."Being a home adjuster for Farmer's Insurance in a previous lifetime, that isn't exactly correct. Each state is different and each class of policy is different. You do need to check what your personal policy says (If I remember that is in section III of most policies) and if you don't have coverage, you can get a rider for the policy from your agent that usually is damned cheap, sometimes on the order of $20 a year. Worth looking at in the very least.General info on insurance? TAKE PICTURES OF EVERYTHING YOU OWN OR MIGHT WANT TO CLAIM. Get serial numbers and model numbers. Do a walk through with a video camera once a year. Keep your records on what you own off site. Don't care if your safe is fireproof, keep it off site. If you have expensive things keep the manuals off site if you don't need them, they can act as proof of ownership in an emergency. Your house is generally covered in a way that the insurance company has to prove the value and if you dispute they have to show cause and you can negotiate and they have to get you back to the state you were in with the house. For your contents though YOU have to PROVE what you had and establish value. As a group we were good and honest and tried to bend over backwards to help customers, but if we didn't have proof you had something, we had to deny money for it. If you have video and stills of your stuff, the adjuster can use that to show their bosses, who are rated on reducing costs, that you are entitled to settlement.