It does not but I make no accusations and pass no blame. But no, what you say above does not clear things up a bit. I’ve been in the industry way too long. No way did your agent come out once a year to verify your possessions and then the insurer denied the claim under that pretense. I just don’t buy it. Unless he was an independent agent and he made bad mistakes. I need to shut up and I will not respond here on this again.
Do whatever you want to buddy. You don’t know me and I don’t what you do for a living. All I can tell you, is that I had to pay a extra premium every year when renewal came up. Agent came to verify what they were ensuing was still owned and they also required us to take my watches and wife’s jewelry to get appraised for their schedules.
I know I am out out of luck on the Focal Diablo’s, because I traded the D3’s in for them back in August and I got too busy and never got around to taking D3’s off and adding the Diablo’s. I have no idea why independent agent matters, butt he in fact is, and got us to go with a good company that I have dont some contract work for in the past several years