Whether or not to claim stolen, damaged, and ultimately returned property on homeowner's insurance.
June 13, 2011 2:54 PM Subscribe
Help us decide what to do about a claim on our homeowner's insurance.
posted by anonymous to Home & Garden (7 answers total)
Our home was broken into and our laptops were stolen. Boo. Then we got them back. Yay! They'd been outside for three days, in 90+F weather and at least one rain shower. Boo. Surprisingly, they both still work. Yay!
Our question is this: Should we go ahead and file an insurance claim for these laptops? The reason we're considering this is that we're worried that one of these laptops (the swank one), while it is fine right now, is going to die shortly from having been very hot for several days and quite damp as well. The other laptop does not matter, because it's a work laptop and we don't have to pay to replace it.
So, one: How likely is it that the swank laptop is going to die? It's made one funny noise and we think that one of the USB ports is damaged, but otherwise hasn't seemed ill at all.
Two: How fraudy is it to claim these laptops when they've been returned to us? What if they really had been dead (the police assumed they would be when they handed them to us)?
Three: How fraudy is it to claim the other laptop, which is cheaper, is my work laptop, and would probably have been replaced at no cost to us anyway?
We feel like this: If the laptop is likely to die, we want to go ahead and claim it, because it's going to cost a lot to replace and it bums us out to think we'd have to eat the cost of that due to some dumb thieves. If it is not, we're pretty clear on the moral implications of claiming it anyway and we probably (heh) would not do so.
We are aware that there is sometimes a penalty for making claims at all, but our agent assures us that we wouldn't have a problem with this and our premium would not go up.
Any advice is welcome!