Insurance Update

After months of waiting, the insurance company finally offered us a settlement.


They tried to tire us out and make us give up. But as I told you, I just did not give up. They asked us to fill many, many forms, asked for lots of pictures, had us search the internet for similar items and price them out and we also had to wait for the claims adjuster to come and access the damage before they made us an offer. And the underwriter kept asking for more and more. Eventually we just had to say enough is enough. We didn't hear back from them for a while.


Then, they had people come to fix some of the broken items, they dry-cleaned some clothes. They disappeared again.


Now they offered a cash settlement for our claim. it is not even close to what it would be to replace the items, but we took it. The last document, stating that we agree with the amount and to discharge them of any liability has been signed. Time to move on. 


Lessons learned:


1) We won't buy the Set Insurance anymore - it is a sham.


2) I'll have the moving company sales rep put in writing everything they say the insurance will cover - besides the insurance contract. There's a big difference between what they promise when they want you to sign the contract and the actual contract;


3) I won't sign the contract thru Willis anymore. I'll ask the moving company for other options and I'll also demand to know what is the insurance company the brokerage firm is using and get their contact information.


I'll be better prepared for next time. And I hope you will too.