Metal theft

[ramjed]

feels like Im getting riped off twice once by the crooks that brok into My shop ang took the stuff and second by the insurance company that says half the stuff isnt covered and the other half they wont pay for because I dont have proof I had it but they will pay for a tarp that got cut at a depreceated value and a cable they cut to get into my shop whoop tee do

 

[460anger]

Then if you find it in the scrap yard they make you buy it back from them.

 

[retired farmer]

Sounds like part of the low life slime ball group that was around here a couple of weeks ago. They broke in to two different houses while the people were at work and stole everything and then stole a set of slip on bucket hay forks that we had borrowed from a neighbor, off our tractor. Guess some people are too lazy to work, find it easier to steal from others. Suppose it gives them a warm, fuzzy, feeling.

 

[ldj]

Sounds like insurance company is worse than thieves. They beat you and don't even get in trouble about it. The thieves, if caught, will at least get a slap on their hand. In todays abundant world a slap on the hand is about the most they will get.

 

[PJH]

There'll be a warm WET feeling if they get caught by the right guy!

 

[wisbaker]

If you find it in the scrap yard CALL THE SHERIFF, it is illegal to deal in stolen goods, one of the low lifes around here got caught when the owner found his stuff in the scrap yard. The scrap yard was real happy to tell who sold it to them, if they don't cooperate they are guilty of fencing stolen goods, not a place a reputable business wants to be. Low lifes- if you're gonna steal stuff and sell it at the scrap yard it is a wise move to go 30-40 miles and drive by 2 or 3 yards before you stop and sell it. Yes I understand that's a lot like work and if you were interested in that kind of thing you'd have a JOB

 

[greygoat]

You need to take photos of everything in and
around all of your property. Sounds like a lot
of work, but with digital cameras it only take an
hour or so, and you can do it on one of those
replaceable storage chips, and store the chip in
a safe place.

 

[showcrop]

Having pics is a very good thing in case of fire too. Insurance doesn't care if you have something expensive that goes above your non scheduled limit. I don't have anything like that.

 

[Organicfarmer1972]

Who is your insurance company?

 

[ramjed]

Foremost is the insurance company
found part of it in a scrap yard cops have the name and address now of person who sold it to the scrap yard
I got 1 engine block back and part of the cat radiator but nothing else scrap yard didnt have it

 

[RayP(MI)]

Neighbor had a break-in, theft of a large quantity of small hand tools. Cops never caught the culprits. Insurance company is giving him a real hard time over replacements. Want make, model, receipt for everything. Guy was really careful to keep receipts in boxes with tools, for warranty reasons. Guess what happened to the receipts. So he got victimized twice - first by the thiefs, second by the company that was supposed to protect him.

 

[WGM]

Sounds like his own stupidity did him in.

 

[Ken Macfarlane]

My insurance company was clear up front they wanted details down to every screwdriver in the shop for my tool rider. I imagine it would be a fight with them too.

 

[Bob - MI]

Scrap thieves are everywhere. We had a $6,000 induction coil stolen from our warehouse for the 120 lbs of copper that it contained.

Sheriff told us that it would be virtually impossible to trace. I called all the scrap yards within 100 miles and gave them a description of the coil. No reports.

Sheriff and I discussed putting in trail cams to keep an eye on things. In his opinion it made the most sense and was the cheapest thing we could do to try and identify the bad guys.

No surprise on the insurance guys. Insurance companies are legalized extortion. They are full of lawyers and accountants. You can't win.

 

[GeneMO]

The reason the Ins. company is so hard to deal with is that about 50% of the claims now days are fraudulent or inflated and they are constantly dealing with ambulance chasing attorneys. The adjusters know the claimant and attorney are lying about their alleged injuries, but it eventually becomes easier to settle with them (pay them off) than to fight it. This causes all of our premiums to go up, and makes it harder to settle with them on legitimate claims. They become so jaded to lying that they dont know when a real claimant is telling the truth.

Sad deal.

Gene

 

[Davy Fireball]

Your not going to believe this.I have a large garage it needed shingling. SO I went up there and started tearing off the roof. A insurance adjuster came stood in the neighbors yard and took a picture of the house & garage. I had a bracket that was hanging from the eves .He took his pictures & left. 2 days later I received a statement saying they won't insure me any longer because the roof was bad on the garage & I had a wood burner . which I didn't have. This was just after hurricane katrana

 

[Gun guru]

But......
A buddy of mine had a homeowners claim several years ago. He had hail damage to his vinyl siding. (Maybe $3000 worth of repairs) Well his insurance adjuster wrote him a check for $15,000, I cant explain it other than the adjuster was an idiot. You can get a whole house vinyl sided from scratch for $15k. He couldnt believe he got the check. I have never had a homeowners claim in 20 years of owning a home. I just hope that if I ever do, I am treated fairly and never have to show receipts for every tool and item.
As far as the copper scrap goes, every clown, person, business must be made to give their drivers license and photo taken for anything turned in. The copper theft is super stupid now.

 

[OldFarmTractor]

Maybe I should take photographs of all my tools like mentioned in a previous post but before I do that, I might need to borrow some from my neighbors and really fill up the tool box. How about placing the Snap-on tools I borrow on top while my HF ones are a bit lower.

I have never made a collectible claim with my home owner's insurance. I guess if I do, it will need to be a big one.

 

[JML755]

I have made a couple of claims for lightning strikes. Was always fair and reasonable. Last one, I cut up the tree that was struck myself, had quotes for $1200-1500. Charged the insurance company $200 for my time. Didn't charge for labor to replace garage door opener, burglar alarm system, etc. Everything electronic I could get fixed, I did. I could have charged them for "replacement cost". One item I couldn't get fixed was an expensive stereo amplifier, too old. Replacement cost for a comparable unit was $1000. They raised their eyebrows, but I pointed out all the stuff that I did to save them money. After that conversation, they wrote the check without asking any more questions.

Right now, I'm trying to decide if I'm going to file a claim for roof damage due to a hail storm awhile back. A number of neighbors have had their roofs replaced. I can't see any damage, but they said it's "microscopic" and requires a trained inspector to see it.

 

[WJD]

The trick with insurance companies is to take pictures of new and expensive items. My agent told me to do this to stay out of the middle of fights.

 

[rustyj14]

Some wag asked me why my garage is always in such a mess. I told him, if somebody does get in, they'll have a hard time finding anything worth stealing! One place i worked, my roll around tool box was a steel cabinet on wheels, wqith 2 drawers, and locked using a lock and a torsion rod from a car trunk hinge.
The other guys had Snap-on boxes, and they always got taken away by the midnight marauders!