Stolen Chiminea
About a month ago, our garage door broke, and we notified our landlords. They promptly removed the damaged door and replaced it with a lovely new gate.
However, during that time, someone entered our garden and made off with several items, including old, broken TVs and bed frames—all metal items. This happened at the top of the garden, and honestly, we’re a bit relieved since it saved us the trouble of disposing of them ourselves.
Yesterday, with the first nice weather of the year, I decided to tidy up the garden in preparation for spring. While jet washing the patio near the house, I discovered that our large chiminea was missing. I can’t believe I didn’t notice it sooner! I suspect it was taken along with the other items.
Will our home insurance cover this loss?
Thanks!
I’m sorry to hear about your stolen chiminea! It’s always frustrating to deal with theft, especially when you’re trying to improve your space. As for your home insurance, it really depends on your policy. Many homeowners or renters insurance policies do cover theft of personal property, but there are some factors to consider:
Check Your Policy: Review your home insurance policy to see if theft is included and whether there are any specific limitations or exclusions for items like outdoor furniture or garden items.
File a Claim: If theft is covered, you’ll need to file a claim with your insurance company. Be prepared to provide any documentation or evidence you have regarding the chiminea and its value, such as receipts or photos.
Deductibles: Keep in mind that you may have a deductible to pay before the insurance kicks in, so consider whether the value of the chiminea justifies filing a claim.
Local Authorities: If you haven’t already, report the theft to local authorities. This can sometimes help with insurance claims and may assist in recovering stolen items.
It might be worth reaching out directly to your insurance provider for specific guidance. Good luck, and hopefully, you can replace your chiminea soon!