Allstate did the same thing to me. I had a toolbag stolen from my truck and
they didn't want to cover it because it was in my truck so I could have
used it for my job. They finally agreed to pay but pro-rated the worth of
everything down to nothing even though I paid for a replacement value
policy. Needless to say I don't have insurance with them any longer.
As if they care. And that's the point that is most irritating. Some
companies get away with this behaviour because they figure if they
lose a particular customer, some new ones will be along presently to
replace him/her. No wonder rules and regulations come about.
It is good to have a few photos of your shop with the tools clearly
shown. For that matter it is good to photograph your entire house
contents and let someone else hold the photos. In case of fire it goes
a long way to remind you just what has been lost.
I did have a garage robbery some years ago. I reported it -- along with
the fact that I had put my initials on all the hand tools. A short time
later the police contacted me to come and identify some stolen
merchandise. There was an enormous toolbox filled with tools engraved
with my initials. Unfortunately, it belonged to someone else. I had
the impression the police would love to have me claim the box just to
empty out their locker.
My house was broken into. He came back a while later to get what he didn't get
the first time. So be very careful with what was left behind. Get a motion
detector and a loud alarm. In my case, we caught the thief after his return
trip. He got 3 years in jail.
If I'd have caught the thief he'd have had a couple of broken limbs to
go with his 3 years...
"No officer, no idea how he broke his legs... maybe he tripped over the
step while illegally entering my garage..."
However, not everyone has the ability/inclination to tackle a burgalar.
On the flip side, a burglar in England years ago broke through the roof of a
Fish and Chip store shortly after closing (around 11pm). He jumped from the
ceiling space to the floor but in the darkness landed in the deep fryer vat
instead. They found him in the morning - deep fryed.
(It may well be a urban myth, I'd rather not know though)
If you value your property, do not gratuitously injure an intruder in the
US. The law _should_ be that whatever happens to someone who breaks into a
house is his fault and his problem and he has no recourse against his
intended victims no matter what they did to him in the interval between his
entering the premises and the time the police took him into custody. But
in our loony-tune times you'll likely hear from the intruder's lawyer
before you hear from the prosecutor.
Remember, the law is not what the statutes say or what is right or good, it
is what a lawyer can convince a judge and jury that it is.
Reply to jclarke at ae tee tee global dot net
I'm not in the US (as my email address will show).
> The law _should_ be that whatever happens to someone who breaks into a
However, it should be arguable that the intruder was startled by the
homeowners discovery and got violent. In the insuing altercation some
injuries occured before the intruder was able to be sufficiently
Just shoot the S.O.B. "Officer, it looked like he had a gun pointed at me so I fired
before he could."
My loaded Mossberg 590 is always within reach at night. The thing is so ugly I have
to hide it under my bed.
FIrst, a few years ago my house was broken into and a number of things
were stolen. I had replacement coverage, and while the insurance
company fussed a bit, they did cover everything, eventually. I did
have proof for some items (product manuals, mostly), but no receipts.
It may have helped that the adjuster so royally screwed up the values
and I gave them a spread sheet with the amounts corrected - those in
my favor AND those in theirs.
Second, I just had a ladder stolen and when the police called a tip
the officer gave me was to mark your items with some unique set of
digits, intials, etc. using a dremel, in a not too noticeable area on
the item. Apparently they now have some sort of national database
that pawnshops check and if you have a way of distinctly identifying
the item, they might be able to get it back to ya.
You live in a metro area? How many people know you have this kind of
stuff. I tend to keep what I have to myself.
I hope you get your stuff back. Please post an update on what happens
with your insurance company.
Whiskey Echo Sierra Sierra AT Gee Tee EYE EYE dot COM
Neighbor in the house next to mine spends most of her time in a nearby city
where the rest of her family lives. She came back one day to find her
garage empty, someone had chipped away at the morter around a couple cement
blocks and was able to remove enough to get in and disable the alarm and
open the door. Had to be someone that knew her and her schedule.
It kills me that a**holes will steal your tools, sort of like a horse
thief, they should be hogtied and strung up the nearest tree. Sorry
for your loss, and I hope the insurance company pays up.
That being said, depending on how you make out with the beancounter
insurance adjuster who is going to try and skin you so he's a hero
with his boss, to the extent you do not recover the value of the lost
property through insurance (and maybe even if you do get reimbursed,
I'm not sure about that so check it with an accountant or tax lawyer
buddy you might know, or for that matter call the IRS's hot line), you
clearly have a "theft loss" deduction on your income tax, so if you
itemize be sure to claim it when you file your federal income tax
return next year.
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