| Author |
Topic: I've been robbed |
Dayna Wills
From:
Sacramento, CA (deceased)
|
Posted 24 Oct 2006 10:16 pm |
|
Tonight, while I was at a restaurant, someone broke out my back window and stole all my gear. I made a police report and will call my insurance company in the morning, but I wonder if they will do anything about my musical equipment. Any insurance people out there?
------------------
|
|
|
|
Billy Wilson
From:
El Cerrito, California, USA
|
Posted 24 Oct 2006 10:35 pm
|
|
| Dayna, that majorly sucks. describe what they took so we can keep an eye out for it. |
|
|
|
Keith Cordell
From:
San Diego
|
Posted 25 Oct 2006 2:01 am
|
|
| If you have a homeowners policy it will cover it. |
|
|
|
Joe Casey
From:
Weeki Wachee .Springs FL (population.9)
|
Posted 25 Oct 2006 8:05 am
|
|
| I lost a Martin D-41 and a Fender Amp stolen out of my Van. Actually they stole my Van too. When it was recovered the only thing left in it was the Guitar case. That means they did not even know what they had. Well the Car Insurance did not cover them. My Homeowers said because it was something I used on my job as a musician also did not cover it. Made no sense to me at all because if I lied and said it was just something I used as a hobby they would have covered it...I'm still bewilderd and out of 3 grand worth of Guitar and equip. That was in 85 so maybe the value is more now. |
|
|
|
Joe Casey
From:
Weeki Wachee .Springs FL (population.9)
|
Posted 25 Oct 2006 8:06 am
|
|
| Oops [This message was edited by Joe Casey on 25 October 2006 at 09:25 AM.] |
|
|
|
Joe Casey
From:
Weeki Wachee .Springs FL (population.9)
|
Posted 25 Oct 2006 8:10 am
|
|
| Sorry Computers acting up. [This message was edited by Joe Casey on 25 October 2006 at 09:25 AM.] |
|
|
|
Joe Casey
From:
Weeki Wachee .Springs FL (population.9)
|
Posted 25 Oct 2006 8:13 am
|
|
| Sorry [This message was edited by Joe Casey on 25 October 2006 at 09:24 AM.] |
|
|
|
Rick Alexander
From:
Florida, USA, R.I.P.
|
Posted 25 Oct 2006 8:15 am
|
|
Dayna, sadly this kind of thing is not high on law enforcement priority lists.
I hope your insurance will cover the loss, but if not -
You could print up some flyers with pics, descriptions and serial numbers and distribute them to pawn shops and music stores in your area.
I've know a couple of guys who had gear stolen and subsequently found it for sale in local pawn shops. If that happens, and the police have the report on file - you can get your stuff back and possibly even catch a thief. |
|
|
|
Joseph Carlson
From:
Grass Valley, California, USA
|
Posted 25 Oct 2006 8:28 am
|
|
Dang! That sucks!
There's nothing lower than a thief, except a thief that steals guitars.
Just out of curiousity, which restaurant was it? That way I know not to eat there.
Also, maybe list out what you lost so the locals can keep an eye out for it. Maybe even post it on craigslist, and definitely hit all the pawn shops with a list.
Regards,
Joe |
|
|
|
Dayna Wills
From:
Sacramento, CA (deceased)
|
Posted 25 Oct 2006 8:45 am
|
|
Lucky for me the print guy is a bass player and we know people in common. The pawnshops will be alerted. and there is no coverage for the homeowners/car policy on musical instruments for biz.
------------------
|
|
|
|
Gene Jones
From:
Oklahoma City, OK USA, (deceased)
|
Posted 25 Oct 2006 9:10 am
|
|
Duplicate.......
[This message was edited by Gene Jones on 25 October 2006 at 10:14 AM.] |
|
|
|
Gene Jones
From:
Oklahoma City, OK USA, (deceased)
|
Posted 25 Oct 2006 9:12 am
|
|
I once lost everything by theft...my guitar & amp and subsequently my job. No insurance that would pay: My homeowners insurance determined that it was a business loss, so I was sunk.
I was robbed twice!
------------------
 www.genejones.com
|
|
|
|
Jody Sanders
From:
Magnolia,Texas, R.I.P.
|
Posted 25 Oct 2006 8:59 pm
|
|
| This has happened to me twice. Insurance only paid 10% of the total value. Jody. |
|
|
|
Darryl Hattenhauer
From:
Phoenix, Arizona, USA
|
Posted 25 Oct 2006 9:29 pm
|
|
Is extra insurance available for musical equipment that's job related? If so, is it expensive?
------------------
"I take my wife everywhere, but she keeps finding her way back." --Henny Youngman |
|
|
|
erik
|
Posted 26 Oct 2006 2:18 am
|
|
Thankfully, pawn shops will get your stuff back.... IF YOU PAY THEM!
------------------
-johnson
Last edited by erik on 27 Aug 2007 10:47 pm; edited 1 time in total |
|
|
|
Bill Hatcher
From:
Atlanta Ga. USA
|
Posted 26 Oct 2006 2:45 am
|
|
| The musicial insurance that is offered through the musicians union is reasonable pricewise. I have to admit that I don't carry it. I really should. |
|
|
|
Robert Leaman
From:
Murphy, North Carolina, USA
|
Posted 26 Oct 2006 6:37 am
|
|
If you use your instruments for business and/or hobby, this is the place to get no-questions insurance. Check it i\out, the phone call cost nothing.
http://www.clarionins.com/ |
|
|
|
Mark Ardito
From:
Chicago, IL, USA
|
Posted 26 Oct 2006 9:51 am
|
|
I work in the insurance industry....a homeowner's policy will not cover your musical instruments if you leave your house with them. You will need a seperate insurance policy for your musical instruments if you will be taking them outside of our home.
Dayna - I'm so sorry to hear about your loss.
Hope you find everything.....just keep checking those pawn shops!
Mark
|
|
|
|
Darvin Willhoite
From:
Roxton, Tx. USA
|
Posted 26 Oct 2006 10:12 am
|
|
Erik, pawnshops are not creeps, the low lifes that steal the stuff are the creeps. Pawnshops only provide a service, and have kept lots of musicians from going hungry.
In my experience if a police report was filed, and the stuff shows up in a pawnshop, the police can get it back and it costs you nothing. There are laws against receiving stolen merchandise and they can get in a lot of trouble if its proven. They also have records of who the equipment came from that they have to turn over to the Police.
Another suggestion, always record a good description, serial numbers, and any other identifying marks on all of your equipment. I keep a list of all my equipment on my computers at home and at work. And since I don't play professionally, I have a copy in my file at my insurance carrier. I have to pay extra for enough coverage, but an instrument collection is treated like any other collection, coins, stamps, etc.
------------------
Darvin Willhoite
Riva Ridge Recording
|
|
|
|
Mike Neer
From:
NJ
|
Posted 26 Oct 2006 10:13 am
|
|
| My insurance policy (MusicPro Insurance) states that they will not cover instruments left unattended in a vehicle. |
|
|
|
Jim Saunders
From:
Houston, Texas, U.S.A.
|
Posted 26 Oct 2006 1:28 pm
|
|
| As a retired State Farm agent I can tell you that policies differ by state, but it's common to exclude "tools of your trade" from a homeowner policy when the loss occurs away from home. Your instruments are your tools if you are a professional musician. The exposure to loss is much greater for a pro than for a hobbiest. The auto policy will not cover the contents of the vehicle, just the vehicle. I'm sorry about your loss and hope it works out for you somehow. |
|
|
|
erik
|
Posted 26 Oct 2006 3:00 pm
|
|
Darvin, a well respected pawn shop up here told me they would look out for my stuff and retrieve it, IF I PAY THEM for it! Otherwise they will refuse it, NOT report them to the police, or conviscate the items. No, they can't do that they would lose too much of their business. And the cops, they said yeah, that's the way it works. Just my personal experience.
------------------
-johnson
|
|
|
|
Mike Perlowin
From:
Los Angeles CA
|
Posted 26 Oct 2006 3:04 pm
|
|
Dayba, I'm sorry for your loss, but your real "instrument" is yout voice and they can never take that away from you.
It's probably no consolation, but just about every guitar player I know in Los Angeles has their instruments ripped off at one time or another. They got me in 1959 and again in 1980, but in '80 I had insurance.
Today my instrument room is protected by 4 security doors with multiple high quality locksm 2 alrms, one of which makes a lot of nopise and the other o which is silent but calls both the police and a private armed guard servicem video survailence, an 80 pound pit bull, and a German Shepard- rotweiller mix, and I still worry every time I leave the house.
------------------
Warning: I have a Telecaster and I'm not afraid to use it.
-----------
My web site
|
|
|
|
Darryl Hattenhauer
From:
Phoenix, Arizona, USA
|
Posted 28 Oct 2006 4:52 pm
|
|
Mike,
If I had a pit and a rott, I'd be worried every time I came home.
But seriously, here are a couple of things for home security. I didn't want to put iron bars on the windows because they are either too easy for burglars to remove, or too hard for firemen to remove. Instead, I put a wrought iron fence across the front porch and around the back patio. (Actually aluminum--won't rust.) Then I put thorny bushes in front of all the windows. Firemen have the clothes to get through them.
Also, make it hard for burglars to predict when you will be gone. Don't have your car in the garage all the time. And when it's out, leave it in different places. Don't leave the paper and garbage can out or bring them in at the same time each day. And vary the location and time when lights are on and off. And leave music playing. The easiest way for me is to leave on either the tv or Radio Free Seymour.
All of that is only a deterrent. But the more deterrence you have, the less likely you are to get hit.
------------------
"I take my wife everywhere, but she keeps finding her way back." --Henny Youngman[This message was edited by Darryl Hattenhauer on 28 October 2006 at 05:54 PM.] |
|
|
|
Dayna Wills
From:
Sacramento, CA (deceased)
|
Posted 28 Oct 2006 6:00 pm
|
|
Thanks Guys, for all the input. I have long believed in the "pay it forward" philosophy and it is working in my life right now. A couple of years ago a fellow performer had all his gear stolen from his car. I didn't know him, but I lent him my spare equipment so he could keep his gigs going. A couple of months later, he called to say MY equipment had been stolen. (In the meantime I found out that he has a gambling problem) A couple of days ago, a friend of mine lent me her spare P.A. head so that I wouldn't have to rent one. While we were on the phone she mentioned that the guy with the gambling problem just had his stuff stolen...again. If it looks like a duck.....Anyhoo, the new P.A. head will be in stock in a few days and all will be well again. I just have to re-record all my stuff onto CD.
------------------
|
|
|
|
