Nashville, TN
I added $100k to my personal articles policy per my agent who got it signed off on by underwriting for my pinball machines. Fully covered for theft, fire, or flood.
(Topic ID: 159525)
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I went back to my agent and told him the issues some of you guys are having with not getting your games covered. He had me take pictures again and write the value of each one down. He then sent to underwriter again and had the underwriter sign off AGAIN that in the event of ANY damage (fire, theft, flood, etc.) they are FULLY covered under my personal articles policy. This is the second time I have had this done. I just increased my personal articles policy by $100k to cover all my pinball stuff and had all values signed off on by the underwriter.
1 week later
Quoted from Damonator:I did the same and spoke with my agent. Basically you are at the mercy of the adjuster as to the value in the event of a loss. My agent recommended scheduling the items which requires an appraisal (and I’m sure costs more money).
Not to mention it isn’t easy to get an appraisal from someone you can trust to be fair. I haven’t heard of any companies on Pinside that provide appraisals.
just get an adjuster with your insurance company to sign off on your collection and value. That is what I did.
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