Lightning Damage Insurance Claim

Summary

In insurance claims, like kind means replacing a damaged item with one similar in quality, function, and value. For your manuscript, gather evidence that a ghostwriting service can reproduce it and is available on the retail market. Present this to your claims adjuster, highlighting policy terms. If needed, consult a local attorney for guidance.

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i had a lightning claim with my renters insurance and my laptop was damaged and the harddrive destroyed. now I am asking for the data to be replaced i.e manuscript. however the policy states that all lightning damage to personal property will be covered except created data that is cannot be produced of the like kind on the retail market. I have found a ghost writing company that offers retail packages to recreate or rewrite manuscripts at a fee. this way I can have my manuscript replaced. should the claim be covered
The policy language can be tricky. Here are some points to consider:
- Check if the ghostwriting service qualifies as a "like kind" replacement according to your policy terms.
- Gather evidence that the ghostwriting service is available on the retail market.
- Contact your insurance provider to discuss your findings and see if they agree.
You might want to consult with a local attorney for a more personalized assessment.
I asked the ghost writing service provide if they could reproduce a like kind of my manuscript and they said yes. with that being said, should it be covered and how do I argue this to the claims adjuster
To strengthen your case with the claims adjuster, consider these steps:
- Documentation: Obtain a written statement from the ghostwriting service confirming they can reproduce your manuscript.
- Market Evidence: Provide documentation or a receipt showing that the service is available on the retail market.
- Policy Review: Highlight the policy language about "like kind" replacements and present your evidence that this service qualifies.
Would you like advice on how best to communicate this information to the adjuster?
what does like kind mean from a claims standpoint
Case Rating: *
In a claims context, "like kind" refers to replacing a lost or damaged item with another that is similar in quality, function, and value. It doesn't necessarily mean identical but should serve the same purpose. For your manuscript, ensure the replacement service aligns with these criteria.
will do
Case Rating: *
It seems like you have a reasonable argument. However, it may depend on how the insurance interprets "like kind." If you’re unsure, consulting with a local attorney could be beneficial to strengthen your claim. If you have any more questions, feel free to ask!