(Closed) Renters insurance denied claim for spoiled food…..

posted 6 years ago in Legal
Post # 3
Member
1458 posts
Bumble bee
  • Wedding: January 2015

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 # 5
Member
161 posts
Blushing bee
  • Wedding: May 2012

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! πŸ™‚

Post # 6
Member
1458 posts
Bumble bee
  • Wedding: January 2015

@MsYankee:  Ah I see, that sucks πŸ™ 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 # 8
Member
418 posts
Helper bee
  • Wedding: November 1999

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
Member
580 posts
Busy bee
  • Wedding: May 2014

That’s horrible! At least your SO is a sweetie πŸ™‚ Chin up love!

Post # 10
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

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
Member
3375 posts
Sugar bee
  • Wedding: October 2011

I would think that fruits and veggies would be okay at room temperature?

Most condiments should be fine too.

Post # 12
Member
65 posts
Worker bee
  • Wedding: June 2012

@MrsSl82be:  

You are EXACTYL right!  i am an insurance prefessional, and any good agent would tell you this exact same thing.  πŸ™‚

Post # 14
Member
13014 posts
Honey Beekeeper
  • Wedding: November 1999

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
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@summerneric:  same here, have been for quite a while πŸ™‚

 

@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
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

Sorry to hear about your fridge but I’ve never heard of insurance covering something like that.

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