in a strange way too. i had 2 cards unsleeved, that i traded for just before goin home last time (alpha ley druid+some zombie) they were fine - only half the sleeved cards were ruined.

i figure someone spilled water on my deck when i didnt look, after my last match - and didnt tell me.

half of lands.dec flooded, in a bad way.

So im thinking wtf will my insurance company say? My cards are all protected in case of theft, and in case of water damage -if like a pibe bursts.

But this isnt one of those cases.

Would require you to file a police report against someone and you would have a deductible as well. Then you could be surcharged for the claim.

If you have accidental damage cover then yes the policy will respond and cover your claim, also if you have these cards covered as a specified item outside of the home this would be the case too.

You can always 'fluff up' the circumstances behind the claim if you have but it's probably not a good idea.

I can provide you some more advice if you provide the policy wording/ Prodcut disclosure statement that your cards are insured under.

my collection is mentioned in my insurance specifically - but cant find the darn paper, for quoting the wording.

Then again it's hard for me to say without looking at the policy wording.

You can always call your insurer and request another copy.

However since your cards are specifically listed, I think you may have a chance of claiming.

quote:

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Originally posted by Irate:
Portislix that pretty presumptuous without looking at the policy wording that covers these items.

If you have accidental damage cover then yes the policy will respond and cover your claim, also if you have these cards covered as a specified item outside of the home this would be the case too.

You can always 'fluff up' the circumstances behind the claim if you have but it's probably not a good idea.

I can provide you some more advice if you provide the policy wording/ Prodcut disclosure statement that your cards are insured under.

I do this for a living :-)

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No, it's really not.

Insurance companies don't run successfully by giving out free money without damned good proof of loss, and he doesn't even know how the damage occurred.

He would have to have documented proof of owning these ahead of time (we're talking pictures and videos as well as documented lists), documented value prior to what happened, he'd have to know EXACTLY HOW the damage was caused, be able to demonstrate an actual tangible loss of value, and of course have had a policy specifically to cover these in the first place.

Unless he has taken the initial steps of documentation, which is extremely unlikely, he's hosed right out of the gate. Beyond that, he'd be basically lying to his insurance company with any explanation other than "I don't know how the damage occurred". And if he doesn't even know how the damage happened, how are they going to know if it's covered? They aren't.

It sounds like these were damaged outside of the house as well, which also makes them exempt from most homeowner policies (even if specifically listed). He would likely need some sort of traveling insurance policy for a collection taken and damaged outside the home. Again, he could lie to the insurance company about it and claim they were damage in the home, but I wouldn't exactly recommend taking that course of action.

but as far the the insurance company knowing i own the cards and the insurance covering me outside of my home, i think so.

We're talking about +/- 500$ here, it's not something to let go.

.02

Edit:

I know accidents happen... but you can lessen the chance.

When I take my vintage deck out of the house. I put the deck box in a ziplock bag and then it goes into a plain card white card box. And the whole thing stays in my bag which is always on me even when I'm playing.

Finally I wont play anyone till all liquids are put on the floor or finished. I even use this rule when playing standard.

quote:

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Originally posted by gcowhsu:

With the average value of Legacy decks you could walk by and snag the top card, even if it was face down, and still have a good chance of getting something good.

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Sorry to hear about the loss.

quote:

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Originally posted by PortlisX:
No, it's really not.

Insurance companies don't run successfully by giving out free money without damned good proof of loss, and he doesn't even know how the damage occurred.

He would have to have documented proof of owning these ahead of time (we're talking pictures and videos as well as documented lists), documented value prior to what happened, he'd have to know EXACTLY HOW the damage was caused, be able to demonstrate an actual tangible loss of value, and of course have had a policy specifically to cover these in the first place.

Unless he has taken the initial steps of documentation, which is extremely unlikely, he's hosed right out of the gate. Beyond that, he'd be basically lying to his insurance company with any explanation other than "I don't know how the damage occurred". And if he doesn't even know how the damage happened, how are they going to know if it's covered? They aren't.

It sounds like these were damaged outside of the house as well, which also makes them exempt from most homeowner policies (even if specifically listed). He would likely need some sort of traveling insurance policy for a collection taken and damaged outside the home. Again, he could lie to the insurance company about it and claim they were damage in the home, but I wouldn't exactly recommend taking that course of action.

But I guess stuff in Denmark could work differently than here.

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i'm enjoying this argument :-) If he still has the damaged cards then that is proof of loss.

You are overestimating the rigorousness of the Claims area of any Insurance company. Most claims with a reserve/estimate of loss less than $3000 get triaged into "rapid" assessment which means the claimant provides proof of loss, and a replacement cost (whether via quote or tax invoice for the replaced goods) and it's settled by a claims officer over the phone.

I'd still make a claim especially if you have a $0 excess.