Post # 1
I rent and my apartment came with all appliances, including fridge. The fridge broke yesterday (must have been overnight) and all of my food was room temperature in the morning (including freezer). I called the apartment office right away and the apt. maintenance fixed the fridge yesterday.
I put in a claim for the food with my renters insurance, but it was denied as not being a “covered peril”. My agent is looking into this, thinks maybe they’re wrongfully denying it, but anyway…I’m broke and now have no food :o( And I’m trying to lose weight, so not wanting to just grab a bunch of pasta or other cheap things…
SO stepped up and when I told him the bad news he said he’s gonna take me to get groceries later. I know it’s a small thing, but it actually made me tear up – I’ve never been with anyone who would do something like that for me. Keep in mind he doesn’t have a lot of $, so it’s not like he can just afford it.
Have to pull myself together to finish the workday – between getting denied and then him telling me that, I was kind of a teary mess at my desk!
Post # 3
How much is your deductible? I can’t really imagine they’d cover, what, about $50 worth of food?
I’m really sorry about your fridge though!
Post # 4
@GoldfishPie: had to be at least $250 to cover, but then no deductible – I had about $275 worth of food (lots of frozen meat and other frozen foods, lots of healthy (more expensive) foods fruits/veggies, etc too).
Post # 5
I have a lot more than $50 worth of food in my fridge, and I’m assuming you might, too! That really stinks! (um, literally and figuratively)
Insurance can seem like a real racket – but I tell myself I’ll appreciate it in the case of a true catastrophe! Keep your chin up! You’re a lucky girl to have a fiance who will take you grocery shopping! 🙂
Post # 6
@MsYankee: Ah I see, that sucks 🙁 sorry. Maybe it’s for the best though; I’ve had friends who, after 3 claims on their renters insuance, were dropped completely. I hear it’s not the amount you claim for, but the number of times you file a claim.
That is so sweet of your SO though!
Post # 7
@sarahcool: Thank you! He’s just Boyfriend or Best Friend for now, but definitely plan on him being a Fiance in the future! :o)
Post # 8
That sucks about the fridge!
I’m surprised with that much food everything would have gotten that warm that fast. Usually the more food in there the colder it’ll stay for longer. I’ve never heard of insurance covering something like that though.
Post # 9
That’s horrible! At least your SO is a sweetie 🙂 Chin up love!
Post # 10
If you have a $250 deductible, I wouldn’t claim anything less than $500 or even more. Any claim you put in can increase your rates, so make sure its worth it to put in a claim!
I would also recommend asking your agent if they opened up a claim or not. Even if nothing is paid on it, if you try to change companies in the next 3 years, you could get denied for the claim being opened, or be asked to get something in writing about why the claim was opened (some companies will open them even if you call just to ask a question).
Post # 11
I would think that fruits and veggies would be okay at room temperature?
Most condiments should be fine too.
Post # 12
You are EXACTYL right! i am an insurance prefessional, and any good agent would tell you this exact same thing. 🙂
Post # 13
@MrsSl82be: Not a deductible in that the claim must be over that amount, but that amount isn’t deducted from the claim – ie. If I claim 275, I wouldn’t just be getting $25, I would get the whole $275.
@PinkMagnolia: I’m just scared to keep anything since it was all room temperature – I’m not sure when exactly it stopped cooling everything – I ate dinner out Tues. night so anytime between then and yesterday morning.
I’m really struggling financially, so a setback like this where ALL of my food is gone (I’m not taking any chances with the meats, milk obviously, yogurts, mayo, etc. – maybe I could save ketchup and some fruit, but doesn’t leave a lot that could be saved – the milk was room temp/ the frozen meats were thawed out, etc). :o(
I am a lucky girl though to have my SO. I know it’s not a HUGE deal, but with already having money stress (student loans, etc), and then this added on top it’s just one more thing to deal with…
Post # 14
Well, honestly, I don’t think I’ve ever heard anyone trying to get reimbursed for spoiled food through rental insurance. It’s for theft and damage, not…bad milk and meats. Sorry..
You do have a fantastic SO who seems to take really good care of you!
Post # 15
@summerneric: same here, have been for quite a while 🙂
@abbie017: actually, it IS covered. if you rent or own and have a policy, you may want to pull it out and take a look at it to see what’s covered and not covered. You would be surprised
Post # 16
Sorry to hear about your fridge but I’ve never heard of insurance covering something like that.