Missing Mantle Rookie at National

[1952boyntoncollector]

Originally Posted by painthistorian

..someone that has a $10K card stolen and identifies a culprit by name, not only should file a police report but also needs to file an insurance claim through their homeowners or business insurance.

never understood why everyone feels their homeowners insurance covers all of these random things....insurance companies dont make money paying claims...if there is gray area, if you arent sure they will pay, then the answer is 99% they wont. I see it time to time people on the forum referencing homeowners insurance paying for a lost card/ card stolen etc..... I havent' heard one story ever where someone got their homeowner insurance to pay on something happening to their card outside the home.....plus even if the issue happened inside your house, there would be issues of proving value, deductible, limits you can claim and again, whether it would be even covered......people just throw it out too often, 'have your homeowners coverage pay' when you lose an item outside the home..or get injured on a someones bicycle or fun type ride outside the home, or drycleaner ruins your clothes etc......

For the 100s of times i hear someone say 'put in a claim with your homeowners' im guessing zero times there is ever a recovery (ive never heard anyone say they got one), yet we will keep hearing people say call your homeowners insurance...its almost up there with suing for libel on this forum...

[painthistorian]

In response-I recovered years ago from a lost item that was well documented.....often times it is correct that is tough to recover from insurance, HOWEVER you need to file a claim just to attempt to collect o/w you get NOTHING, as long as you have not filed excessive claims....and if you had an original receipt of buying the card or any expensive item, the PSA cert #, and an original police report and an affadavit from that "2nd party" that this was stolen at a show... there is a good chance a reputable insurance company WILL pay...You have to do your homework and be prudent, persistent & honest.

[1952boyntoncollector]

Originally Posted by painthistorian

In response-often times it is correct that is tough to recover from insurance, HOWEVER you need to file a claim just to attempt to collect o/w you get NOTHING....and if you had an original receipt of buying the card or the PSA cert #, and an original reported police report and an affadavit from that "2nd party" that this was stolen at a show... there is a good chance a reputable insurance company WILL pay..You have to do your homework and be prudent, persistant & honest.

agree with you that you do have to put in a claiim to have a chance and to avoid being denied for not having timely notice but again not sure what you mean by 'reputable insurance company' if its homeowners insurance..here we go again... insurance policies have changed over time but would need to know more info than 'recovered for lost item'.

i do know they sell collectible insurance......usually when there is that type of coverage that would mean that more common types of insurance, ie. homeowners, do not. Another example, rental insurance.

Also beware that just filing a claim, even if its turned down, still goes on your claims history for all insurance potentially. Maybe that impacts future premiums, maybe not. If no claim no risk though...

[painthistorian]

There are certain insurance companies especially here in NY, that are less than stellar, most larger national companies will pay on a claim if very well documented and as long as your policy does not state explicit limitations...there are some "localized regional companies" that are not as easy to collect from regarding personal merchandise.

Either way, a police report is MANDATORY

[Bpm0014]

The lure of a triple scoop waffle cone can be quite distracting

Probably the best line I ever read on Net54!!

[ajjohnsonsoxfan]

Originally Posted by Bpm0014

The lure of a triple scoop waffle cone can be quite distracting

Probably the best line I ever read on Net54!!

I laughed when I read this too because those ice cream cones were damn good! I got one day 2 and meant to get another one day 4 but didn't get around to it.