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A small citadel case full of miniatures was stolen. However, most of the models were composed of several kits together. Do I claim that those kits were contained or should I mention that they were only partially contained?

I have no problem riding this company for every penny I can as I've been screwed over financially too many times by companies like them in the last couple of years.

not sure what your asking.
Are you talking about an insurance company? Then I would say yes. Each model a part came from needed to be bought in order to get the parts from it (unless they were freebies.
Was it stolen at a shop? Depends on the shop. Some have marked that they are not responsible for what you bring in. Although they may have cameras that may help.
Was it stolen outside of a shop? Your likely SOL unless you have insurance in which case refer to the first question.
Whatever the case,good luck.

I suggest that you tell the exact truth : that the case contained models comprised of whatever kits were required to recreate those models. If it was partials, i would note that, but also note that the full cost to replace them would be whatever it would actually be.

Reason i suggest the truth is because if you're seeking recompense with an insurance agency involved (yours or theirs), and you don't tell the truth, it could be fraud. Which at best means you don't get diddly squat, and worst could be illegal with ramifications.

EVIL INC wrote:
Was it stolen at a shop? Depends on the shop. Some have marked that they are not responsible for what you bring in.

This doesn't excuse them from responsibility. You can put up a sign saying "unruly customers will be shot" and still be convicted if you do it!

If they have a legal obligation to fulfil, or it was somehow the negligence of staff that resulted in the theft, all the signs in the world won't help - however, in this case I'd struggle to come up with many plausible scenarios where a store or other premises would be liable.

Haight wrote:I suggest that you tell the exact truth : that the case contained models comprised of whatever kits were required to recreate those models. If it was partials, i would note that, but also note that the full cost to replace them would be whatever it would actually be.

Reason i suggest the truth is because if you're seeking recompense with an insurance agency involved (yours or theirs), and you don't tell the truth, it could be fraud. Which at best means you don't get diddly squat, and worst could be illegal with ramifications.

Never made an insurance claim before, huh?

@OP

The exact nature of the claim you need to make will depend on the Ts+Cs of your policy - but essentially you need to claim for whatever you'd need in order to replace what was lost, if that means replacing a whole kit that you're still in possession of 40% of, then, unless you can somehow magic 60% of that kit out of a shop somewhere, you need to claim for the whole thing.

I'm not sure exactly what policy you'd have that would cover their theft, but be aware most household contents, travel or automotive policies have a fixed amount for this kind of thing, and if what you claim is higher than that figure, you'll only get what is written into the policy, so will ultimately lose out. (Speaking as someone who had their entire music collection and car stereo stolen one night and was out to the tune of hundreds of £)

True, signs dont mean a whole lot. Of course, it would be hard to prove that the store was more negligent than you for your stuff getting stolen. Its one thing if they were holding it for you behind the counter and a totally different thing if you left it on or under a table and it walked off because you werent paying attention or left the area with it unattended.

But yes, I was not implying for anyone to file a fraud claim. You put down exactly what was in the case mentioning what it cost to buy the parts that were used to make the convesions.

It was in a luggage hold and the company have claimed responsibility. Ultimately I would other to have the return of the models as they had a lot of sentimental value, but I expect they, along with the remainder of the contents of the case, are long gone.

Then yes, you should be claiming for everything you need to replace what was lost.

This could, and should, claiming for a whole kit that you used one piece from, even if you originally purchased that bit from a bits seller. This isn't fraudulent, and you shouldn't try and minimise your claim, an insurance company may well dispute a claim for being too high (at which point you CAN negotiate, don't simply accept their offer) but they'll never say "that seems a bit low, here, have more than you've asked for."

I worked as a claims manager for a homeowners insurance mitigation company(we determined what the cost of lost goods were for the companies) and I can tell you that you need to be VERY detailed and thorough with what you report. If you had 1 random bit in the case that can only be replaced by buying a $100 box kit, you claim that kit.

Your policy covers "like, kind, and quality" replacement cost coverage. That means they are not allowed to downgrade you unless the item simply no longer exists(like 17" macbooks or 5 disc dvd changers).

That being said, the coverage is also for current replacement cost, not for what you paid for it(you are insuring the items, not the money you spent on them). The only time an item is insured for a set dollar amount is if you have a scheduled policy for that item, which is usually reserved for things like high end jewelry or musical instruments etc.

This all assumes your company follows the same rules that US companies are bound to of course.

Also keep in mind that your time, no matter how much you value it, is not covered. So you cannot claim an increased value for your models because YOU painted them. If you had commission pieces, you could probably provide your invoices for them and have them claimed. Basically the models are only worth the cost to physically replace them, and any modifications or artistic changes made are not covered(unless scheduled).

That all being said, EVERY insurance company will try to pay out as little as possible(and it's the exact service I provided them with), so don't feel too bad about claiming an entire box to replace that one specific bit, as long as you aren't outright claiming things that were not involved in your loss.


As particularly boring as the topic can be, I loved working that job and if anyone has questions related to homeowners contents losses(not property loss, whole different ball game) feel free to hit me up.

 calamarialldayerrday wrote:
It was in a luggage hold and the company have claimed responsibility. Ultimately I would other to have the return of the models as they had a lot of sentimental value, but I expect they, along with the remainder of the contents of the case, are long gone.

I so know how you feel (see thread of my own loss).

MB

BeAfraid, I have read your thread, and I think your loss is slightly larger than man, albeit a lot less recent.

I am pissed off about this, but what I am more pissed off about is the fact that I have very little money to my name, I'm in a country where I know very little of the language, and I have lost a lot of my possessions which I had spent a lot of money on.

Ultimately the only "essential" items I lost were my entire fething wardrobe. I'm not coming home any time soon. I bought some cheap t-shirts and underwear yesterday. I managed to buy a week's worth of clothes for the equivalent of c.€50.

 calamarialldayerrday wrote:
BeAfraid, I have read your thread, and I think your loss is slightly larger than man, albeit a lot less recent.

I am pissed off about this, but what I am more pissed off about is the fact that I have very little money to my name, I'm in a country where I know very little of the language, and I have lost a lot of my possessions which I had spent a lot of money on.

Ultimately the only "essential" items I lost were my entire fething wardrobe. I'm not coming home any time soon. I bought some cheap t-shirts and underwear yesterday. I managed to buy a week's worth of clothes for the equivalent of c.€50.

My wife stole my clothing too. She even took my socks and underwear.

It is something that makes one insane with rage. Theft is something that cuts beyond the simple loss of the possessions, and is an injury to the psyche.

And insurance companies do nothing to help deal with the loss, often compounding it, and adding insult to injury.

MB