Terribly sorry to hear that, Matt, but very glad you and your family are ok. I have nothing to offer in terms of successful recovery but I do hope you and your wife are reunited with your bikes. If not and you do pursue the insurance route I do agree, as an insurance claims employee, that Patrick has provided very valuable information and recommendations. I'll add that although you should be reimbursed for current full retail replacement cost this may also depend on your specific policy and coverage so always refer to your written policy for details. Also don't be surprised to hear the dreaded "D" word... depreciation. A standard practice is for insurance carriers to withhold depreciation which is reflected as a percentage of the full value based on age and wear/tear and expected life span and they often only reimburse the withheld amount after you have actually replaced the missing/damaged items and provided receipts and documentation showing your final incurred costs. This should be minimal for something like a 2+ year old bike that would last decades or more but just be prepared to have something deducted from initial settlement that may be recovered/reimbursed later after items are actually replaced. It's annoying for everyone and is a process with a lot of negativity associated with it but it's a result of the insurance market and requirements varies state to state (example, in my home state is has to be shown on estimates for everything but is only withheld when the total exceeds a certain amount.)
As Patrick already noted, be thorough and having everything already noted on the police report helps validate all items later being claimed through insurance. Unfortunately, insurance fraud is a very real thing and makes things even harder for honest people going through such difficult situations like this. The more information and documentation you could provide to the adjuster will make their job easier and a smoother process for you in return. Not that making the adjusters job easier should be your priority, but since they are the one's required to validate your costs and prices based on the information provided it often becomes just a matter of having appropriate documentation and proof readily available which makes the investigation easier for everyone. This usually becomes more problematic with specialty and niche items the average person or adjuster may not be familiar with so providing not only original purchase details but also providing your own sources for replacement could often be helpful. Insurance companies all have pricing databases and sources for generic items but a custom build from Rivendell, for example, would not provide a match so a detailed and itemized build list just like you wrote above but with all part prices and labor shown and a web link goes much farther than if someone just listed something like "2 bikes = $5000" with no other context. Your adjuster may have never heard of Rivendell Bicycle Works and may very well be the kind of person that would never pay more than couple hundred for a complete bicycle, so matching a price for something like that becomes difficult unless they know exactly what it is and where to find it, otherwise they may be at the mercy of whatever database they are provided by their employer... or amazon which seems to becoming the norm for online prices. Best of luck and again, sorry to hear about this. Brian Cole On Wednesday, April 25, 2018 at 2:27:33 AM UTC-4, Patrick Moore wrote: > Very sorry to hear about that. > > Ex -- happily ex -- insurance agent. Spend the time to put together a (1) > comprehensive and (2) detailed list of all the things taken; a big hassle, > but worth it. Excel is very good for this. Include makes, models, when and > where bought (a bit of extrapolation is perfectly in order if you don't > remember the exact date and place), and (I hope you have replacement > coverage) full *retail replacement* cost. For example, I paid IIRC $1,900 > for my Joe Starck custom in 1999, but I'd put in the current $3,500 plus > the cost of the recent Chauncey Matthews alterations. > > You've got a very good start on the descriptions of the Cheviot and > Handsome. It's worth taking a few days off from work to have the time to do > this thoroughly; see if you can add lost wages to your claim; can't say > that they'll pay, but it's worth the attempt. And add "under loss of use" > as well as the cost of any expenses incurred in replacing stuff. It's the > opposite of taxes: you are legally bound to pay only the minimum tax > legally required of you; so with claims: you are legally entitled to any > and all money required to restore all the you've lost, and the further > expenses that you've incurred as a result of the loss -- basically, what it > costs to restore you and yours to the *status quo ante.* > > Give this to the police as well as to your insurer; the police won't find > your stuff, probably, but if the list is part of the police report, just a > bit more weight on your insurer to cooperate. > > Almost 30 years ago, my slightly upper middle class mountain bike with > upgrades was stolen, along with my tool box, from a shed in the backyard. I > detailed *everything,* down to each individual wrench, and got it all > covered, full replacement, retail, with no hassle at all. > > And: this shows that spending a bit more premium for a company with good > claims reputation is worth the small additional premium. It has been close > to 10 years, but in my day: The Hartford and Met Life were particularly > reputable. > > Also, get a dog. > > On Wed, Apr 25, 2018 at 12:12 AM, Matt Rhodes <matt.k...@gmail.com > <javascript:>> wrote: > >> Hi all, >> >> I'm saddened to report that my house was burglarized today. The thieves >> broke in through a window, turned the house inside out and made off with >> most all of the valuables, including two cherished bicycles. I'm posting >> here to (1) ask all Tucsonans in the group to keep an eye out for these >> bikes, and (2) ask all group members for any advice that might help my wife >> and I retrieve them. >> >> My bike is a 60cm Cheviot, in the no-longer-available-on-Chevs green >> metallic color currently available on some Clems. I took delivery of it in >> 2014 and have ridden it more or less daily since then. Build details: >> >> - Rich-built 700c wheelset with silver Deore hubs laced to 36h Velocity >> Dyads, wearing 50mm Schwalbe Big Bens >> - Pletscher single-leg kickstand >> - SKS P50 fenders, with holes for flaps and a rear fender-mounted light >> - Sugino XD2 wide/low 46t/20t crankset, 170mm, with reflective tape on >> the crank arms >> - MKS sneaker pedals >> - Deore rear mech, Claris front mech >> - Tektro R559 brakes >> - Nitto SP60 seatpost >> - Brooks B17 select, wonderfully broken-in after 3.5 years of riding >> - Nitto Choco-moose bars >> - Tektro mtb levers, black body with silver levers >> - Silver bar-end shifters >> - Nitto Mark's rack, two struts, with Wald 137 basket secured via zip-ties >> - Pletscher rear aka Clem rack >> - older (c. 2014) Saddlesack Large, tan canvas with brown leather accents >> >> I haven't seen another green Chev (or any other Chev, for that matter) in >> Tucson since I moved here ~2.5 years ago. I also have the original business >> card from Riv mechanic Mark Abele with the order number and the frame's >> serial number, and I know its beausage fingerprint inside and out. >> >> My wife's bike is a 56cm Handsome XOXO (homage to Bridgestone XO-1), >> orange with branding similar to that on the XO-1. She took delivery of it >> this past February after purchasing it from 718 Cyclery in Brooklyn via >> eBay. Build details: >> >> - 26" wheelset, black Deore rear hub and silver Shimano dyno front hub >> laced to Sun Rhyno Lytes (or Alex DM24s...can't remember), wearing Schwalbe >> Big Apples >> - B&M Eyc T Senso Plus dyno headlight >> - dyno rear light (I forget which model...) >> - Sugino triple crankset >> - black plastic BMX pedals >> - Deore XT rear mech, Shimano front mech (again, I forget which model...) >> - silver Shimano CX50 cantilevers >> - brown Brooks B17 >> - Nitto Tallux stem >> - Nitto (I think?) drop bars wrapped in brown Salsa (I think?) foam tape >> - Shimano Tiagra road levers >> - Shimano bar-end shifters >> >> Although my wife only had the bike for a few months, neither of us have >> noticed any other XOXOs around Tucson. Not sure about its serial number at >> the moment, but we might be able to sort that out by getting in touch with >> 718. >> >> Big picture: it could have been much, much worse, and my wife and I are >> thankful that it wasn't. The police have been helpful so far, and we'll >> learn more tomorrow about what else they might be able to do. While I'm >> pretty familiar with the LBS scene in Tucson, I have no idea what the >> crooks might do with our bikes. This is our first time dealing with bike >> theft, so any insights or advice would be hugely appreciated! >> >> Thanks for reading this far, and thanks in advance for any tips you might >> be able to provide. >> >> - Matt >> >> >> >> -- >> You received this message because you are subscribed to the Google Groups >> "RBW Owners Bunch" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to rbw-owners-bun...@googlegroups.com <javascript:>. >> To post to this group, send email to rbw-owne...@googlegroups.com >> <javascript:>. >> Visit this group at https://groups.google.com/group/rbw-owners-bunch. >> For more options, visit https://groups.google.com/d/optout. >> > > > > -- > Resumes, LinkedIn profiles, bios, and letters that get interviews. > By-the-hour resume and LinkedIn coaching. > Other professional writing services. > http://www.resumespecialties.com/ > www.linkedin.com/in/patrickmooreresumespec/ > Patrick Moore > Alburquerque, New Mexico, Etats Unis d'Amerique > ************************************************************************** > ************** > *Auditis an me ludit amabilis insania?* > -- You received this message because you are subscribed to the Google Groups "RBW Owners Bunch" group. 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