Q: Hi, my storage unit was broken into. I discovered it June 2023. I notified the manager immediately. Then got the police
Report and a list of items missing, what they cost me new and gave them multiple examples of what these items are selling for new. I waited for a month and then when I went to the office to get an update, I was informed the manager was no longer there and they new nothing of the paperwork. They said I had to file claim online through store Local website. I did this and was notified through that website that my Store Local no longer contracted with them. I went back to my storage and relayed what I was told. They tell me they have nothing to due with the insurance or claims. Thile insurance I have been paying was given to me by store Local when I rented with them. It took another month to get a phone number to claims from them. So, I repeated the process again, gave them the hard copies and waited. I am still waiting. I have emailed all documents to them as well. When I called again, I was told that she thought she saw them. I have gotten nothing but run around for 8 months from them.
A: You have an insurance policy. Does it cover losses from theft? If so, it's time for you to visit one or more lawyers who deal with insurance law, and find one who will sue the insurance carrier. When an insurance carrier fails to deal with you in good faith, you may be able to collect not only actual damages but sizable punitive damages.
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- California
- (916) 704-3009
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- Answered
A:
In California, when you're dealing with a situation where your storage unit was broken into and your attempts to claim insurance have been met with delays and miscommunications, it's important to know your rights and the appropriate steps to take. The insurance provided at the time of renting the unit should cover losses according to the terms of the policy you agreed to. If you have been paying for insurance through Store Local, they have an obligation to process your claim in a timely and efficient manner.
Given the runaround and delays you've experienced, you may want to consider writing a formal demand letter to the insurance company and Store Local, outlining the situation, the steps you've taken, and the delays you've encountered. This letter should include all relevant dates, communications, and the expectation for a resolution. Sending this letter via certified mail can provide you with proof of delivery and help establish a timeline for response.
If the situation does not improve, seeking legal advice might be your next best step. A legal professional can help you understand your rights under California law and the specific terms of your insurance policy. They can also assist in negotiating with the insurance company or taking further legal action if necessary. Remember, it's important to keep all documentation of your communications and attempts to resolve the issue, as this will be valuable in any legal proceedings.
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