5 ms·

Sounds like every interaction I've had with insurance. Sorry to hear that.

Tiktaalik 5y ago
I was thinking that. Insurance in general is lousy with them always trying to weasel their way out of paying anything. Would a more typical insurer have done the same thing in asking for receipts and such? Maybe? (I've never had to make such an insurance claim so I have no idea...)
- dzivo22 5y ago
  Traditional insurance policies are written on a "replacement cost" basis. Which means.....the carrier will initially pay what they consider to be a depreciated value for the item, then when you purchase the identical or similar item, you show them the receipt, and the carrier then forwards a secondary check for the difference of the depreciated value (payment 1 to you) and the current retail price.
- busterarm 5y ago
  But a real insurer also isn't facilitating bringing the people who made the damages into your house. Airbnb has the means to properly screen guests, but does not adequately do so. I've always personally thought both sides of the AirBNB transaction were crazy. When I was a teenager, long before AirBNB was a thing, we used to rent houses to party in and it was always a disaster. I've never found that getting a hotel was significantly more expensive. Getting my price might be less convenient distance wise but the experience is consistent. To me, AirBNB seems like all of the risks of unprotected sex without any of the upside.
- jjeaff 5y ago
  No, home insurers wouldn't normally require receipts unless the value of some of your items were in dispute. They usually just ask for an itemized list with estimated replacement values.
croutonwagon 5y ago
This is somewhat why i dont mind having done a lot of purchasing online etc. Normally just printing out an invoice from even 10 years ago from a site like Newegg (and i have had to for a claim) is accepted just fine.
miketery 5y ago
Ah... I had a motorcycle stolen in NYC. Smoothest insurance claim process ever. Granted the cops had the thief on the bike going over Brooklyn bridge at 3am. Progressive paid for full value of bike (which at the time, pandemic just started was higher than what I paid for it). Plus any add-ons they reimbursed full price. I had pictures and receipts for it all. But all in, from moment of noticing my bike was gone cash was in my bank account 4 weeks later.
- AlwaysRock 5y ago
  So no transportation for 4+ weeks is the ideal outcome?

I was thinking that. Insurance in general is lousy with them always trying to weasel their way out of paying anything. Would a more typical insurer have done the same thing in asking for receipts and such? Maybe? (I've never had to make such an insurance claim so I have no idea...)

dzivo22 5y ago
Traditional insurance policies are written on a "replacement cost" basis. Which means.....the carrier will initially pay what they consider to be a depreciated value for the item, then when you purchase the identical or similar item, you show them the receipt, and the carrier then forwards a secondary check for the difference of the depreciated value (payment 1 to you) and the current retail price.
busterarm 5y ago
But a real insurer also isn't facilitating bringing the people who made the damages into your house. Airbnb has the means to properly screen guests, but does not adequately do so. I've always personally thought both sides of the AirBNB transaction were crazy. When I was a teenager, long before AirBNB was a thing, we used to rent houses to party in and it was always a disaster. I've never found that getting a hotel was significantly more expensive. Getting my price might be less convenient distance wise but the experience is consistent. To me, AirBNB seems like all of the risks of unprotected sex without any of the upside.
jjeaff 5y ago
No, home insurers wouldn't normally require receipts unless the value of some of your items were in dispute. They usually just ask for an itemized list with estimated replacement values.

croutonwagon 5y ago

This is somewhat why i dont mind having done a lot of purchasing online etc. Normally just printing out an invoice from even 10 years ago from a site like Newegg (and i have had to for a claim) is accepted just fine.

miketery 5y ago

Ah... I had a motorcycle stolen in NYC. Smoothest insurance claim process ever. Granted the cops had the thief on the bike going over Brooklyn bridge at 3am. Progressive paid for full value of bike (which at the time, pandemic just started was higher than what I paid for it). Plus any add-ons they reimbursed full price. I had pictures and receipts for it all. But all in, from moment of noticing my bike was gone cash was in my bank account 4 weeks later.

AlwaysRock 5y ago
So no transportation for 4+ weeks is the ideal outcome?