Understanding Public Storage Insurance: What Constitutes Forced Entry?
Recently, I faced a distressing situation with my storage unit located in New Orleans, Louisiana, which has left me seeking clarity on how public storage insurance works. Upon visiting my unit, I was shocked to discover that my lock had been replaced with one that didn’t belong to me. To make matters worse, two of my suitcases had been stolen—among them, $3,000 worth of art supplies and the ashes of a cherished friend, which I intended to scatter in the Mississippi River on her birthday.
After reviewing the policy I purchased through Orange Door Insurance, I found myself confused by a specific clause indicating that merely having someone change my lock does not constitute evidence of forced entry. This revelation raises several questions. What would I need to demonstrate in order to prove that forced entry had, in fact, occurred?
I am considering whether physical remnants of my original lock could serve as evidence. Additionally, I wonder if the frequent incidents involving vehicles crashing into the gate of the facility could be relevant in supporting my case.
If anyone has experience with similar situations or insights into navigating insurance claims in such contexts, I would greatly appreciate your advice. While my primary concern is the emotional weight of losing my friend’s ashes, I also hope to replace my lost art supplies.
Thank you for any guidance you can share!
