photog
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Inviting burglars into your house (leaving a window is an invitation to burglars) will always invalidate your insurance.
Why should the insurance pay when you have not taken basic steps to secure the property.
You can't get around it. |
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MSAD
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If the policy says that theft is not covered if there is no evidence of forced entry - then there is no coverage.
The insurance company is not making a scam. They are working your claim per the contract you signed - the policy terms.
They can't make an exception for you and say the policy terms don't apply and they will waive them for you but they make the next guy abide by them. See the problem? If they disregard the policy terms for you....they will have to disregard the policy terms for every one.
You can ask the insurance company to send you a letter stating the reason for the denial and a copy of your policy. It won't change their decision but you can see for yourself what the policy says.
And if it makes you feel better- you can file a complaint with your states department of insurance. Insurance is regulated at the state level - not the federal level. The DOI will look into the matter. That may give you some comfort because an impartial set of eyes will have reviewed the case. |
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acermill
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My sympathies to you in this unfortunate situation. However, it appears that the terms of your policy are very clear. Before they will cover such loss, you MUST have all avenues of entry to your house securely locked, or they won't handle it.
Sad to say, this may well be an expensive learning experience for you. |
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WelshLad
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I know my policy is if I'm out of the house all windows and doors must be locked - probably the same as yours.
Sorry to hear. |
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BRIAN M
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No there is no way to claim anything. Leaving a window open is an invite to a burglar, that's just what they do, they are scum, and you should be able to do what you want with your own house. But you can't, so you must be more careful. The only way possible to claim anything would be if the burglar/s are caught and you could sue them. |
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rodders
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Don't leave windows open. You can't expect someone to pay for your negligence. |
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COLIN T
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I am afraid that it is a condition of your policy that you secure your property (house) before leaving it unattended. By leaving a window open you have given easy - albeit with a ladder - entry to some predatory low life. Many of us go out leaving a window open without realising that we would have exactly the situation you now have if we were burgled. |
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emiss
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You unfortunately did not comply with your obligations read the small print in future |
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artistgmg3
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So sorry for your loss. I assume that you filed a police report and gave description of what they took. Pray that the cops capture the thieves and that your valuables are recovered. |
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bennachie1
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What you can do - most if not all insurance companies can make discretionary payments -
It all depends on how much time and effort you can put into the hassle of it.
many newspapers have a reader help column -
and there are some TV progs that assist consumers - joe public with disputes etc
Contact them if you can and go of on the recently married stolen gifts
HOPE THIS HELPS. |
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