This answer is written by AI. The information provided in this response is intended for general informational purposes only and should not be considered as legal advice. Do not rely solely on the information provided in this response for any legal decisions. Consult with a qualified legal professional before making any decisions.

Can I Claim for Losses from a Past Theft on Renter’s Insurance?

Question from randreo, Can I Claim for Losses from a Past Theft on Renter’s Insurance?

Answer from AI:

When dealing with a situation where you believe you have a valid claim for a significant loss under a renter’s theft insurance policy, understanding your rights and the process is crucial. In the scenario described, where furnishings worth approximately $120,000 were not recoverable due to the new homeowner’s refusal of entry, and subsequent accusations of insurance fraud were made against you, navigating the situation requires careful consideration of several factors.

Understanding Renter’s Insurance Claims

Renter’s insurance typically covers personal property against specific perils such as theft, fire, and vandalism. When you believe your property has been stolen, the first steps usually involve:

  1. Making a police report, which you’ve done.
  2. Notifying your insurance company about the theft.
  3. Providing documentation of ownership and the value of the stolen items.
  4. Cooperating with the insurance company’s investigation.

It’s important to note that insurance policies have deadlines for filing claims, which can vary. Generally, insurers require prompt notification of a claim, often within a few days or weeks of the incident.

Challenges in Your Situation

Your case presents unique challenges:

  • The significant time lapse since the incident in 2016.
  • Accusations of insurance fraud by the new homeowner.
  • Potential issues with proving ownership and value of the furnishings.

Steps to Consider

1. **Review Your Insurance Policy**: Look for the specific terms regarding claim deadlines and the coverage for theft. This information is crucial in determining if a claim is still possible.

2. **Consult with a Legal Professional**: Given the complexity of your situation, including the accusation of insurance fraud and the time elapsed, consulting with an attorney who specializes in insurance law is advisable. They can provide guidance on your rights, the feasibility of pursuing a claim, and how to address the fraud accusations.

3. **Gather Documentation**: Compile any documentation you have related to the stolen items, including purchase receipts, photos, and the police report. This will be necessary if you proceed with a claim or legal action.

4. **Contact Your Insurance Company**: If after consulting with a legal professional it seems viable to pursue a claim, contact your insurance company to discuss your situation. Be prepared to provide all relevant documentation and to explain the delay in filing the claim.

Dealing with Accusations of Insurance Fraud

Accusations of insurance fraud are serious and can have legal implications. Insurance companies are required to investigate claims thoroughly, and such accusations can lead to a claim being denied or even legal action against you. It’s crucial to address these accusations head-on, with the help of legal counsel, to clear your name and proceed with your claim.


While the situation you’re facing is complex and challenging, especially with the time that has elapsed and the accusations made against you, it’s not necessarily the end of the road. The key steps involve reviewing your policy, seeking legal advice, gathering all possible documentation, and communicating clearly and honestly with your insurance company.

For more information on renter’s insurance and claims, the National Association of Insurance Commissioners offers resources that might be helpful.

Remember, each case is unique, and this information is not a substitute for professional legal advice. Consulting with a legal professional who can assess your specific situation and guide you on the best course of action is strongly recommended.

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