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, but all the stuffs in the closet and restroom are totally fine, just smoke damage.
Quote:
Originally Posted by johnyeah183
my insurance paid 10K. But that only covers half of my stuffs. The list of belongings I sent to them has a total worth around 20K. My insurance only covers 10K max. So not all my stuffs are covered.
Are you saying the items in your closet and bathroom are worth 10K or 20K? Either way, I do hope you have a lot of receipts or photos of you wearing high-end clothing. The insurance company for the leasing office is not going to hand you 10k/ 20k without proof.
(By the way, you shouldn't put a "s" on "stuff". It is already plural. English is not an easy language.)
While I'm not in a rental ( have owned for over 30 years).. I still keep ALL pertinent papers and appropriate paper trail all together in ONE Bin so can escape IF need be due to unforeseen circumstances.
While we do get hurricanes ( nothing like southern States) but I lived thru Hurricane Hazel and knew many families that suffered horrific losses!! So, going back over 60 years ago, I learned a very valuable lesson. It doesn't matter if you rent or own.. ALWAYS be prepared!! This mindset comes from my parents who lived thru the Depression, Wars that put so many at risk!! Prevention and paper trail can and does prove your claims.. especially since then>> Corporations often deny deny.. just like Politicians and Lawyers who get paid to LIE or deflect!!
So, clothes and physical things can be replaced.. But then again You will always HAVE TO PROVE your losses!
Sentimental items of course may never be replaced.. But unless you have Insured them.. best (given advent of digital documentation of such) at least have such pictures and legacy remembrances of whatever it was!!
I grew up never assuming any Landlord had MY BETTER INTEREST at heart.. so always Hedged my bets that they would NOT!! I guess one could say is.. I, on a daily living level hedged my bets on protecting my things versus playing the market!! LOL
What ends up harming folks is ASSumptions.. I'm Old enough to have learned from my parents who went thru the Great Depression.. and so appreciative that I did!! Then, of course..OP I sure HOPE you learn from this.. as IF you don't> It's doomed to repeat over and over again.
Today, instant digital access and ability for hacking and bad actors can take advantage of people makes it's more and more probable for stuff like this.. Lobbyists pay big bucks to buy off Politicians to de-regulate and makes it so easy for BAD actors to get away with stealing/ go bankrupt if found guilty ... Ohhhh wait.. Just ask Trump how he got away with that... He's a pro on that venue!!
Are you saying the items in your closet and bathroom are worth 10K or 20K? Either way, I do hope you have a lot of receipts or photos of you wearing high-end clothing. The insurance company for the leasing office is not going to hand you 10k/ 20k without proof.
(By the way, you shouldn't put a "s" on "stuff". It is already plural. English is not an easy language.)
No. they are not worthing 10k nor 20k. all salvageable stuff worth around 2K max. thats all i want.
all my belongings worth 20K, my insurance covers 10K max.
While I'm not in a rental ( have owned for over 30 years).. I still keep ALL pertinent papers and appropriate paper trail all together in ONE Bin so can escape IF need be due to unforeseen circumstances.
While we do get hurricanes ( nothing like southern States) but I lived thru Hurricane Hazel and knew many families that suffered horrific losses!! So, going back over 60 years ago, I learned a very valuable lesson. It doesn't matter if you rent or own.. ALWAYS be prepared!! This mindset comes from my parents who lived thru the Depression, Wars that put so many at risk!! Prevention and paper trail can and does prove your claims.. especially since then>> Corporations often deny deny.. just like Politicians and Lawyers who get paid to LIE or deflect!!
So, clothes and physical things can be replaced.. But then again You will always HAVE TO PROVE your losses!
Sentimental items of course may never be replaced.. But unless you have Insured them.. best (given advent of digital documentation of such) at least have such pictures and legacy remembrances of whatever it was!!
I grew up never assuming any Landlord had MY BETTER INTEREST at heart.. so always Hedged my bets that they would NOT!! I guess one could say is.. I, on a daily living level hedged my bets on protecting my things versus playing the market!! LOL
What ends up harming folks is ASSumptions.. I'm Old enough to have learned from my parents who went thru the Great Depression.. and so appreciative that I did!! Then, of course..OP I sure HOPE you learn from this.. as IF you don't> It's doomed to repeat over and over again.
Today, instant digital access and ability for hacking and bad actors can take advantage of people makes it's more and more probable for stuff like this.. Lobbyists pay big bucks to buy off Politicians to de-regulate and makes it so easy for BAD actors to get away with stealing/ go bankrupt if found guilty ... Ohhhh wait.. Just ask Trump how he got away with that... He's a pro on that venue!!
really appreciated. If I got nothing from my leasing office. Fine. But as you said, I have to learn from this and prevent this happens in the future and put myself in difficult position again. I already bought a fire proof safe and put all my important docs in there. Thanks for your kind words!
While I'm not in a rental ( have owned for over 30 years).. I still keep ALL pertinent papers and appropriate paper trail all together in ONE Bin so can escape IF need be due to unforeseen circumstances.
While we do get hurricanes ( nothing like southern States) but I lived thru Hurricane Hazel and knew many families that suffered horrific losses!! So, going back over 60 years ago, I learned a very valuable lesson. It doesn't matter if you rent or own.. ALWAYS be prepared!! This mindset comes from my parents who lived thru the Depression, Wars that put so many at risk!! Prevention and paper trail can and does prove your claims.. especially since then>> Corporations often deny deny.. just like Politicians and Lawyers who get paid to LIE or deflect!!
So, clothes and physical things can be replaced.. But then again You will always HAVE TO PROVE your losses!
Sentimental items of course may never be replaced.. But unless you have Insured them.. best (given advent of digital documentation of such) at least have such pictures and legacy remembrances of whatever it was!!
I grew up never assuming any Landlord had MY BETTER INTEREST at heart.. so always Hedged my bets that they would NOT!! I guess one could say is.. I, on a daily living level hedged my bets on protecting my things versus playing the market!! LOL
What ends up harming folks is ASSumptions.. I'm Old enough to have learned from my parents who went thru the Great Depression.. and so appreciative that I did!! Then, of course..OP I sure HOPE you learn from this.. as IF you don't> It's doomed to repeat over and over again.
Today, instant digital access and ability for hacking and bad actors can take advantage of people makes it's more and more probable for stuff like this.. Lobbyists pay big bucks to buy off Politicians to de-regulate and makes it so easy for BAD actors to get away with stealing/ go bankrupt if found guilty ... Ohhhh wait.. Just ask Trump how he got away with that... He's a pro on that venue!!
Are you saying the items in your closet and bathroom are worth 10K or 20K? Either way, I do hope you have a lot of receipts or photos of you wearing high-end clothing. The insurance company for the leasing office is not going to hand you 10k/ 20k without proof.
(By the way, you shouldn't put a "s" on "stuff". It is already plural. English is not an easy language.)
I swear I was just typing this...word for word. Lol. Thanks Spencgr!
OP you need PROOF of EVERY item you say you're missing.
And yep, "STUFF". Not "stuffs"
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