Comments on: Quick Guide To Property Insurance Claims http://worldvillage.com/quick-guide-to-property-insurance-claims A village of you. Fri, 10 Feb 2012 04:51:34 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Neal http://worldvillage.com/quick-guide-to-property-insurance-claims/comment-page-1#comment-1420 Neal Sun, 15 Apr 2007 06:35:35 +0000 http://www.worldvillage.com/quick-guide-to-property-insurance-claims#comment-1420 I recently moved and the container in which our property was hauled had a leak. Our clothes, furniture, electronics, etc were all wet and smelled of mildew. Additionally, the integrity of many of the cardboard boxes was comprimized which lead to a lot of crushed boxes and hence, scratches, gouges, and other damage to our property. The move was a self-pack (we didn't let the movers pack our stuff) so I'm worried that the insurance company will not reimburse us for the scratches to our belongings. Also, our electronics seem to work properly but there was definitely water in the boxes carrying them and even some mold on the inside of the boxes. Will the insurance company not take into account that the water may shorten the life span of the electronics? How careful do I need to be in describing the damage to our property. For example, I've listed many clothing or luggage items as "Moldy" or "Smelling of Mildew" so I'd like to get them replaced. I'm doubtful that the policy includes damage against mold or mildew but I'd like to think that this is covered under the general umbrella of "water damage" is this correct? Finally, if an item wasn't listed on our inventory list but was in a box with other items, can we still claim that item? Will they not reimburse us for damage to an item that was not on the list? Sorry for all the questions but I'm really worried that I'm about to get screwed here! Thanks in advance for your input! Neal I recently moved and the container in which our property was hauled had a leak. Our clothes, furniture, electronics, etc were all wet and smelled of mildew. Additionally, the integrity of many of the cardboard boxes was comprimized which lead to a lot of crushed boxes and hence, scratches, gouges, and other damage to our property.

The move was a self-pack (we didn’t let the movers pack our stuff) so I’m worried that the insurance company will not reimburse us for the scratches to our belongings.

Also, our electronics seem to work properly but there was definitely water in the boxes carrying them and even some mold on the inside of the boxes. Will the insurance company not take into account that the water may shorten the life span of the electronics?

How careful do I need to be in describing the damage to our property. For example, I’ve listed many clothing or luggage items as “Moldy” or “Smelling of Mildew” so I’d like to get them replaced. I’m doubtful that the policy includes damage against mold or mildew but I’d like to think that this is covered under the general umbrella of “water damage” is this correct?

Finally, if an item wasn’t listed on our inventory list but was in a box with other items, can we still claim that item? Will they not reimburse us for damage to an item that was not on the list?

Sorry for all the questions but I’m really worried that I’m about to get screwed here! Thanks in advance for your input!

Neal

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