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Attention all INSURANCE CLAIMS ADJUSTERS!?

Recently my Laptop Computer was damaged at my residence, I took it to a repair center who stated that they "fixed it" but come to find out that THEY damaged it more which resulted in the released of a brand new Lap Top. All data was lost. The initial repairs were for a damaged USB port.

In order for there to be coverage for "data replacement" the data has to have been lost due to a covered peril.

A renters policy is basically the contents portion of a homeowners policy.

A renters policy, or the contents portion of the homeowners, is a named peril policy. That means, in order for their to be coverage for the damage....the damage has to have been caused by a peril that is listed in the policy. Examples of perils: fire, lighting, windstorm, hail, theft.

If the lap top was damaged because you dropped it. That's not a named peril. Therefore there would not be coverage.

If the lap top was damaged because of a lighting strike....it would be covered....and the lap top would not be repairable.

No one here can tell you 100% if the loss of the data is covered. Reason being, we don't have enough information on how the damage happened and we don't have a copy of your policy.

If you want to double check....put in a call to your agent. He/She may be able to help you or put in a call to an adjuster with your company who can pull a copy of your policy.

iPhone4 Cover Case Apple Peel (P Peel),Three Sim Cards and Three standby

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