Not H2 related, But I need to be consoled

[4churchill]

So Im getting ready to go out right now and I open my bag, which I put my stuff in at the gym, and notice my Jacob the Jeweler watch is missing. I just called the Gym and no one has seen it, Im flipping out, this was by far my favorite thing next to the H2 Ive owned...if you are in the Sonoma area and you see someone wearing this watch, cut their arm off, then ask if its theirs, I going crazy< I'm sick to my stomach :[

[4churchill]

So Im getting ready to go out right now and I open my bag, which I put my stuff in at the gym, and notice my Jacob the Jeweler watch is missing. I just called the Gym and no one has seen it, Im flipping out, this was by far my favorite thing next to the H2 Ive owned...if you are in the Sonoma area and you see someone wearing this watch, cut their arm off, then ask if its theirs, I going crazy< I'm sick to my stomach :[

[DiscoDancingRover]

That sucks, I hope you insured that.

[4churchill]

maybe my homowners will cover it, im so pissed, i literally feel like crying

[LasVegas]

It's covered under you homeowners under mysterious disappearance coverage. Really. If that's a real photo of the watch hang onto it for proof & value.

[4churchill]

<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by LasVegas:
It's covered under you homeowners under mysterious disappearance coverage. Really. <HR></BLOCKQUOTE>

hmmmm...i mean the thing was a little over $7k, so i definately cant afford to replace it, i am going to call USAA right now, and see whats up

[frank6150]

What in the hell! 7 thousand! Jesus man that sucks, very sorry to hear that. Hopefully your insurance will cover it and all will be well again in the world of things too damn expensive to be wearing to the gym where a $3.00 lock protect 7 grand in merchandise.

[4churchill]

thats the thing, i usually never wera it except when i go out, but past few days ive been wearing it, and today i decided to start getting my fat ass in shape, im seriosuly more sick then pissed, its like shock, i think before i call USAA im going to decide if i should tell the truth or come up with a better story b/c im not sure if accidental loss off of my property is covered

[LasVegas]

4CHURCHILL. Pay attention please. Don't contrive a BS story. If you have a homeowners policy you have personal property away from the premises coverage. Usually 10% of the contents coverage so you should have plenty of coverage. Risks include buglary, theft, robbery, etc. etc. For jewelry, if it doesn't fall in those categories it's considered mysterious disappearance. That includes if you were to look down and find the diamond missing from your ring. Just report the loss and tell the truth. It is subject to your deductible of course. Policies are pretty standard but can vary slightly. Read your policy ...personal property/away from premises/jewelry. If the locker was broken into it's theft/robbery/burglary & you need to file a police report.

[4churchill]

thanks vegas, i still have much to learn about this kind of stuff, this is the 1st year of my life ive lived on my own, and im still feeling things out. my deductible is about $500 i think, so thats a big relief, still sad though, this watch is what i bought with the first money i earned through my business when i started it.

[LasVegas]

Well take heart. It's better than your life!!!!! Anything material can be replaced.

[4churchill]

<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by LasVegas:
Anything material can be replaced. <HR></BLOCKQUOTE>

i hear ya, sometimes we get too attached to things, thanks again for the advice

[Ed G.]

If you don't have a rider increasing your coverage for jewelery you may be out of luck. Jewelery and furs are usually not covered at replacement value as TV's and such are.

[LasVegas]

ED G. is correct. If you don't "schedule" certain expensive jewelry on your policy there may be limits of coverage. But you still should have coverage. Just depends on the limits stated in your policy.

[4churchill]

omg!!!!!!!!! so i leave to go get some of my buddies, Ben & Jerry to console me, i open the back door to get my hat out, and bam! sitting right on the floor is my watch!!!!!!!! Wow, 1st thing tomorrow im adding coverage for it w/ USAA!!!!! Thanks for everyone's input

[LasVegas]

Well good for you. I can tell you're relieved. Just call your insurance company/agent and tell them you want to add some scheduled jewelry to your policy. They may require you to get an appraisal on it. The coverage is not expensive by the way. Oh...and leave your watch at home tonight!

[GeorgeSSSS]

Glad you found that watch. It's always better to be lucky than good.

[DennisAJC]

Good news Church. It's always a ****ty feeling when it happens but some of the guys here seem to know what they're talking about.


P.S. I believe Shaggy was visiting your neck of the woods. So next time you're workin out and you see pipes lifting pipes....Watch out!

[4churchill]

wow i feel so much better, hmm only thing mssing now is my girlfriend's g-string....****in shaggy, it isnt even his size!!!