Please explain a bit more. What "claim" can you have with a homeowner's insurance that they paid you back for a dead laptop?
This could really help in the future!
On my homeowner's insurance, I have property coverage. They also have a "computer" coverage. I called and asked, as the computer coverage I have, I got for my servers at home. I asked if the PB was insured, they said any computer is insured. I told them I never gave them the serial. He said it did not matter, I just had to have proof of purchase if they asked. I told them I has the email from Apple. He asked for the part number and the date I bought it. He called me back a few weeks later asking if I wanted the money in a check or direct deposit it into a checking account. I asked how much, and he said $2606.23 which included a $100 deductible. I have the check in hand. Oh ya, my premiums went up $8 a month. 27 years from now, I will break even.
They also cover the computer outside my house. I am not sure if its specifically covered under the homeowner's insurance, or some other policy with them. I specifically asked if I use it at work, and its broken there, will this insurance cover it. I was told yes. I asked if it was stolen, would they cover it. They will, if I file a report, and fax it to them.
Obviously my insurance company is pretty cool. They are USAA. If anyone knows who they are, you would understand.
I am pretty surprised how they work. You do not have an agent, you just call, and if its something that will require a call back, the person you talk with will do that, or get you over to the dept that deals with that type of problem.
Sorry for that first paragraphs, its a bit choppy, and run on like. I am tired.
Oh ya, the laptop died on Dec 17th 2007. I called in the claim on March 25th 2008 or around there. +3 months after the fact.
For those of you who just have to have proof:
http://filedrop.unmerciful.com/PB/
Check for the claim and claim form telling me I get money. Important stuff blurred out for obvious reasons.