*Loan,banking and credit>>>homeowner insurance

Homeowners Insurance question? We had a vehicle broken into while out of state ....several months ago...?

We had no idea what all we'd packed, as it was done in a hurry. So we guessed at what was there, for the police report, (as that's what the police suggested we do.)
Then we asked our homeowners insurance if we were covered and they said yes.
So , after narrowing down what was taken, we submitted a claim.

Now, (because we originally reported quite a bit missing,) the insurance company wants us to come in for a statement under oath.

My feelings about this are mixed. In some ways I'd like to replace the things stolen,but in other ways I feel like the vehicle break in, is still going on, and I"m sick of it all..

Do I "have" to go in for the statement under oath? I assume if I don't, not only will they not pay, but will cancel the policy, but I just hate the idea of going in for this formal questioning. All of my instincts tell me the insurance company would like nothing more than to increase, rather than decrease my well being.

What do you think?

Of course the insurance company will try adn decrease the final settlement amount for your claim. It would be difficult to list every single item that was stolen from your vehicle to the police, without having time to thoroughly go over what items you had with you. The insurance company are asking you to go under oath because you would have not provided any proof of ownership for the items that were stolen, therefore they need to verify for their records and have you make a statement, they can not cancel your insurance policy for one claim. If you want the items that were stolen, replaced i would suggest you negotiate with the insurance company, if you choose not to bother making a claim, the insurance company is going to find it a bit suss, i do not know how much $$ of items you had stolen so it may only be minor Source(s): Im an insurance broker! its always best to deal with insurance brokers, as they handle your claim for you and you wouldnt have had to deal with the insurance company!!

the statement under oath...a deposition is common place. Don't be afraid just tell the truth. You would be surprised at how many people file false claims...so the insurance company has to do this to protect themselves against false claims.

As long as you tell the truth you won't have to worry about remembering what you said....I know it's degrading...and it makes you feel like you aren't being trusted...but just do it...as long as you are telling the truth nothing but good will come from it.
i was an agent for 30 years and i don't think i ever saw a
theft claim that wasn't "padded"
ret agent
If the break-in really occurred and the items you reported stolen were, to the best of your recollection, stolen, you should go and do the statement under oath. Not going is pretty much like admitting you lied about what was taken. If you don't go, the insurance company will not pay the claim. Companies do this to protect themselves from folks who file false claims. It is nothing against you personally. If I were you, I'd just go ahead and get it over with and get my claims check!
I work in insurance in NC