- Joined
- Jan 9, 2015
- Messages
- 3,451
So, we've been burglarized in December (!!) and had an expert come over end of January. He checked that we had all the security measures in place (check, and some more, secret measures like another alarm that's not even on our policy) . He established with me that we had about 25 k worth of damages and stolen jewelry / luxury items that I've got proof of purchase for. He pretty much told me the gold items from our grandmothers were treated like cash and I had to get used to the fact that those were just bye bye (I never had them evaluated and I also had received two heavy chains from the inheritance for my girls on 12/25, two days before the break in.
He said that for everything I got proof of purchase for we'd get 98 % of the value on the receipts (or respective quotes) as per our policy.
Today we've received the cheque in the mail for - wait for it : 5214,77
No letter, nothing.
I just got off the phone, where the clerk basically explained some bogus deductions and referred to the expert's evaluation. He deducted some bogus percentagws off of each item (the window they smashed was literally 7 weeks old. He deducted 10 % for age of the windows. Which is, frankly, a total joke).
The best: even with his bogus deductions the sum we have received is still lower (??).
Since insurance contracts are different in all countries etc., I'd like some expert opinions on how to proceed:
Go full force (letter by lawyer, threaten to sue)
Or negotiate with them first?
Thoughts?
@Bron357
@YadaYadaYada
He said that for everything I got proof of purchase for we'd get 98 % of the value on the receipts (or respective quotes) as per our policy.
Today we've received the cheque in the mail for - wait for it : 5214,77
No letter, nothing.
I just got off the phone, where the clerk basically explained some bogus deductions and referred to the expert's evaluation. He deducted some bogus percentagws off of each item (the window they smashed was literally 7 weeks old. He deducted 10 % for age of the windows. Which is, frankly, a total joke).
The best: even with his bogus deductions the sum we have received is still lower (??).
Since insurance contracts are different in all countries etc., I'd like some expert opinions on how to proceed:
Go full force (letter by lawyer, threaten to sue)
Or negotiate with them first?
Thoughts?
@Bron357
@YadaYadaYada
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