Alpinfox Posted July 3, 2007 Posted July 3, 2007 Last night someone got into my car and used my garage door opener to get into my garage. They stole quite a bit of stuff including my large cragging pack that had about 75% of my rack in it. If you see any of this stuff on craigslist, yard sales, pawn shops, etc, I'd appreciate it if you would let me know. Black Diamond Ice pack, ~40L, black/orange/gray, pretty beat Brand New Lowe Mountain Attack, 30 Hyperlite pack red/gray Double set of Camalot C4s, 0.5-to-4.0 marked with red tape/fingernail polish One set aliens blue-to-red, w/red fingernail polish One set metolius TCUs purple-to-yellow, w/red fingernail polish & tape A whole shitload of draws (red fingernail polish, tape) DMM Wallnuts set (red fingernail polish) A couple small tricams and random hexes totally beat BD Wizard harness BD ATC Guide belay device BD Spot headlamp (brand new) Patagonia Dragonfly pullover windshirt green Brand new 5.10 moccasym shoes Probably a bunch more stuff. Haven't figured it all out yet. I live in the Lake City Way area. Quote
StreetBoss Posted July 3, 2007 Posted July 3, 2007 Sorry to hear....that totally sucks. I'll keep an eye out. Quote
Weekend_Climberz Posted July 3, 2007 Posted July 3, 2007 Damn dude. That really, really, really sucks. :tdown: Quote
rob Posted July 3, 2007 Posted July 3, 2007 Totally shitty dude. Homeowner's insurance cover it? I'll keep an eye out for the fucker Quote
Alpinfox Posted July 4, 2007 Author Posted July 4, 2007 I'm interested in hearing from other folks who have had a large amount of gear stolen. Did your homeowner's or renter's insurance cover everything? I assume I will have to file a police report before the insurance will pay up. Is that true? I'm basically looking for any advice about what I should/shouldn't do/say and the order in which I should do things. Quote
lost_arrow Posted July 4, 2007 Posted July 4, 2007 homeowners covered it - i took a picture of the rack and gear (prior to the theft...) and used that to calculate the check with the adjuster Quote
Lisa_D Posted July 4, 2007 Posted July 4, 2007 wow. that really sucks. Having something stolen is the most frustrating, helpless feeling ever. Quote
fenderfour Posted July 4, 2007 Posted July 4, 2007 You will have to file a police report. then list most if not all of what you had. I would expect to get canceled a month or two after filing the claim. I was. I was also blacklisted from getting more insurance for about 2 years. This could be a real pain in the ass if you own your own home. Quote
pindude Posted July 4, 2007 Posted July 4, 2007 (edited) I'm interested in hearing from other folks who have had a large amount of gear stolen. Did your homeowner's or renter's insurance cover everything? I assume I will have to file a police report before the insurance will pay up. Is that true? I'm basically looking for any advice about what I should/shouldn't do/say and the order in which I should do things. Sorry to hear, Alpinfox. My old neighborhood, too. Well, 30 years ago anyway. I've had my crag pack/main rack ripped off twice here in the Spokane area, both the only claims I've made through my homeowner's policy. Both times reported to cops, both times I scanned pawn shops and want ads for months but no luck finding any of it. First in 1992, about $3K from my truck in Mtn Gear's parking lot, by some gang-bang-wannabe's who had no clue about climbing. Exactly 3 weeks before a big trip to the Valley. Insurance cut a check for the whole thing, no questions asked, and I had almost everything replaced before the big trip. Second time about 3 years ago right at Minnehaha with about 50 folks around, more than $4K worth including wedding ring. A couple teenage punks who had been hanging around watching for the previous hour. This time the same insurance company, Unigard, made me purchase first then reimbursed after I produced receipts. I was treated like dishonest scum, given a big run-around, and lied to. After given advice by the company about my claim and told it wouldn't raise my rates or policy wouldn't be changed, the fuckers then immediately raised my rates significantly and wanted me to sign a new policy. I've since discovered it helps to have friends inside the insurance industry who can give realistic, good advice rather than be lied to and given the corporate hot poker up the ass. Hope you catch the bastards and your insurance company treats you right. Edited to add: For my most recent claim for any item that was older than new, the insurance company wanted to pro-rate and only partially reimburse. They did finally fully reimburse, but only after much back-and-forth. Avoid the BS and just say everthing was fairly new. Edited July 4, 2007 by pindude Quote
Alpinfox Posted July 5, 2007 Author Posted July 5, 2007 Thanks very much for the advice. Police report is filed. Phone interview with insurance company tomorrow. It's a very good company (USAA) so I think I'll do OK. I've heard that some companies have a limit on reimbursement by categories ($5K for computers/electronics, $5K for "sporting goods", etc.) so I'm hoping that isn't going to be be the case for USAA since my loss is pretty much entirely "sporting goods". Quote
ericb Posted July 5, 2007 Posted July 5, 2007 Thanks very much for the advice. Police report is filed. Phone interview with insurance company tomorrow. It's a very good company (USAA) so I think I'll do OK. I've heard that some companies have a limit on reimbursement by categories ($5K for computers/electronics, $5K for "sporting goods", etc.) so I'm hoping that isn't going to be be the case for USAA since my loss is pretty much entirely "sporting goods". I've got USAA, and although I've never filed a homeowners claim, they've been amazing to deal with the 3 times my car stereo has been stolen. Quote
Sherri Posted July 5, 2007 Posted July 5, 2007 It's a very good company (USAA) so I think I'll do OK. I've heard that some companies have a limit on reimbursement by categories ($5K for computers/electronics, $5K for "sporting goods", etc.) so I'm hoping that isn't going to be be the case for USAA since my loss is pretty much entirely "sporting goods". Tell them your a trad climber. Sorry to hear about your gear loss and best of luck to you in the reimbursement efforts. Quote
dinomyte Posted July 5, 2007 Posted July 5, 2007 Alpinfox, If you don't mind, please post the results. I have USAA as well, and while I pray I never have to file a claim, I'd love to know how you're treated. Sorry for the shitty deal of having your stuff swiped in the first place. Quote
dt_3pin Posted July 5, 2007 Posted July 5, 2007 It's a very good company (USAA) USAA is pretty good. However, they will fuck you in the ass (just like everyother ins.co.) if your house gets destroyed by a hurricane. They also attempt all sorts of duchebaggery if you are an LMP/PT/DC trying to collect on a PIP claim. Quote
Kat_Roslyn Posted July 6, 2007 Posted July 6, 2007 Oh my goodness gracious, as if getting gear stolen isn't bad enough!! Quote
Couloir Posted July 7, 2007 Posted July 7, 2007 I have USAA also and have been really happy with them. One thing to keep in mind however is that if you have a life insurance policy with them as well as homeowners, and you report climbing equipment being stolen, and they aren't aware that you are a climber, it may jeopardize your life insurance policy. At the very least it may tip them off to review your policy and raise your rates. Quote
Alpinfox Posted January 16, 2008 Author Posted January 16, 2008 Results: The total value of all the stuff stolen came to about $5000 retail. Here is a quote from the USAA website: 100% replacement value when your things are stolen, damaged or destroyed They asked me to list when I bought the gear (presumably so they could calculate depreciated value? WTF?) They ended up cutting a check for about ~$2500. I was pissed. I've argued to no avail. Fuck USAA. Quote
JosephH Posted January 16, 2008 Posted January 16, 2008 Hmmmm, USAA is THE best insurance company on the planet so I wouldn't diss them too hard. Times have possibly changed from the sound of it though. When my gear was lifted from my car in the early 90's USAA asked how much it would cost to replace it and I told them $2400 which arrived three days later without any listing of the gear whatsoever. Quote
jon Posted January 16, 2008 Posted January 16, 2008 They probably knew you weren't going to pay retail to replace all of it! Quote
Alpinfox Posted January 16, 2008 Author Posted January 16, 2008 Yeah, looks like I got the "hey, you get prodeal/brodeal/dealmeister prices on all your shiz anyhoo, so we ain't payin YOU retail" treatment. USAA has been a pleasure to deal with for every other issue I've ever had with insurance, but I'm pretty pissed on this deal. The way I figure, they owe me $2500. Quote
chucK Posted January 16, 2008 Posted January 16, 2008 USAA treated me right too (back in the mid 90's) You must have had other stuff stolen than was listed in the original post to tally 5 grand. Quote
Alpinfox Posted January 16, 2008 Author Posted January 16, 2008 You must have had other stuff stolen than was listed in the original post to tally 5 grand. Yes. Quote
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