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Replacement Value for Sony Bravia TV

1 10 October 29, 2017 at 10:03 AM in Chat (3)
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Back in February 2011 I finally got my hands on a Sony Bravia XBR52HX909 that had a great deal. The deal actually was posted in November of 2010, but I patiently waited with my raincheck and eventually got it.

Today, some brown-haired, heavy-set, lazy-butt male kicked in my back door and stole my Sony Bravia instead of working to buy stuff himself. HA! I still have the remote, you coward!

I have to decide if it's worth filing an insurance claim. My policy covers replacement value, but I have no idea what would be considered the XBR-52HX909 replacement. Could you please tell me what an insurance adjuster would most likely say was a current replacement? My understanding is that they would stick with Sony, but I'm not positive.

Thank you for any help.

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#2
I would guesstimate $600 and that's generous. 6 year old TV, with features that are not available today (3D). Use the 900 series as a reference. My understanding on insurance from reading about the people with flood and hurricane damage if you have a receipt (Email) from the original purchase that can be helpful.
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Vague questions receive vague answers . . . . . .
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#3
That wasn't the only thing they took.
everything misplaced is gone
camcorder and camera is missing
The hand tools are missing too
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for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
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#4
Quote from stufine
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That wasn't the only thing they took.
everything misplaced is gone
camcorder and camera is missing
The hand tools are missing too
Are you suggesting insurance fraud on a public forum? Don't be that guy. I guess it's one thing to "forget" to mention that the TV was flaking out anyway, but making up things the guy stole is straight-up fraud.
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#5
Quote from dukeblue219
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Are you suggesting insurance fraud on a public forum? Don't be that guy. I guess it's one thing to "forget" to mention that the TV was flaking out anyway, but making up things the guy stole is straight-up fraud.
Who said fraud?
This is an exact example that happened to me
Allstate covered misplaced items. I couldn't find them. Does that make them misplaced?
They took my PZ10 but left the extra lens. The bags were still in the same place so I didn't think they took them. The bags were empty. And, they left the remote.
The hand tools was a craftsman set. I didn't think someone would take something so petty.

Since I left out "this happend to me" from the beginning, Does that make it fraud?
Or does that give the ass to ASSume?
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#6
Quote from stufine
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Who said fraud?
This is an exact example that happened to me
Allstate covered misplaced items. I couldn't find them. Does that make them misplaced?
They took my PZ10 but left the extra lens. The bags were still in the same place so I didn't think they took them. The bags were empty. And, they left the remote.
The hand tools was a craftsman set. I didn't think someone would take something so petty.

Since I left out "this happend to me" from the beginning, Does that make it fraud?
Or does that give the ass to ASSume?
Suggesting one file claims for anything one has misplaced is fraud. If you don't 100% know it was stolen, it's fraud.
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Quote from dukeblue219
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Suggesting one file claims for anything one has misplaced is fraud. If you don't 100% know it was stolen, it's fraud.
There goes the ASSume part again. Since this was directed at me, where did I tell anyone to file a claim for anything?

Now, you're telling me 100% that no insurance company will cover misplaced items?

I doubt I have my policy from 97, but if I find it, I'll sure post it
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Last edited by stufine October 31, 2017 at 01:26 PM.
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#8
Quote from stufine
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There goes the ASSume part again. Since this was directed at me, where did I tell anyone to file a claim for anything?
Yes, I assumed that was the purpose of your post. You said "That wasn't the only thing they took. everything misplaced is gone"

That is clear as day a suggestion to pretend that the thief stole everything that you have misplaced. Perhaps I misinterpreted it and you were advising that the original poster file a "misplaced items" claim with the insurance company instead.

A suspicious insurance adjuster could Google this TV's specific model number in an attempt to find its value and end up at this thread very quickly. It's currently #4 on Google for "Sony Bravia XBR52HX909 stolen." When that adjuster sees what might be interpreted as suggestions to file against other items, it would undoubtedly make him or her very curious about the rest of the claim he or she is currently processing. That could hurt the OP's claim, even if it is completely valid.

Anyway, I am not going to carry on this argument any further as it's completely off topic, but will simply advise the all involved to consider that this thread is publicly accessible.
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Last edited by dukeblue219 November 1, 2017 at 07:17 AM.

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#9
It's replacement value so it is whatever a 52" LCD tv is going for these days. If you have a credit card receipt there's a possibility of them cutting you a check for the original cost of the TV.

Considering you can pick up a nice 55" or even larger TV for $500 or so I do not think it is worth filing a claim unless some other substantially expensive items were also stolen, or damage to your door and home are very expensive.

Just calling to talk to your agent will knock your rate, seriously it will go in as a CLUE inquiry.
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#10
Quote from Aseras
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It's replacement value so it is whatever a 52" LCD tv is going for these days. If you have a credit card receipt there's a possibility of them cutting you a check for the original cost of the TV.

Considering you can pick up a nice 55" or even larger TV for $500 or so I do not think it is worth filing a claim unless some other substantially expensive items were also stolen, or damage to your door and home are very expensive.

Just calling to talk to your agent will knock your rate, seriously it will go in as a CLUE inquiry.
It only gets reported to CLUE if you tell them about the break in. If you call and ask your agent about coverage values to make sure you have adequate insurance they will happily have a conversation with you. I am not suggesting lying to them, but you should regularly check your coverages anyway- I added a few riders on my policies after finding various limits were insufficient, and agents jump at the opportunity to sell more policies. Having said that, I cannot possibly imagine you would come out ahead filing a claim for a TV- even if they purchase you a brand new Sony TV you will be out your deductible, plus your rates will go up for the next 5 years at least. They probably would cut you a check for the cost of a new Sony TV, but given how cheap TVs are now, it's still probably a bad idea.
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#11
Quote from dukeblue219
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Suggesting one file claims for anything one has misplaced is fraud. If you don't 100% know it was stolen, it's fraud.
It's fraud if you lie or make material omissions. If you tell your adjuster that you know you owned item x, and after the break in you cannot find item x, that is not fraud, even if they write you a check for it. If you cannot find the item and tell them it was stolen, then that would be fraud. However, if you later locate item x, it is the property of the insurance company and must be returned to them if they covered it. It is very common with break-ins to discover things are missing days or even weeks later- it's not as if most people have a detailed inventory of items that they can check immediately.
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#12
I would estimate the top price would be around 1K depending on your deductible it is probably not worth it considering they will probably raise your rates.
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