Monday, July 11, 2011

Should i make a home insurance claim in this situation?

Kinda mixed up situation, Long story short. My Mother passed one year ago June. When she was living at my House 2005 she started to hide things in her closet that belonged to me. I found things that were important to me as gifts my husband gave me. example, I had a very valuable but more important in sentimental Value even vase. I did not have special insurance on it as I did not have it appraised as I never found someone to appraise it . I was missing this vase now since my Mother left my Home. But all her things were put in Storage by my Young Sister how was the P.O.A. after my Mom had a stroke In 2005 and even thou my Mom had mind trouble my little sis had a will made and told my mom to disinherit me so she did. SO what fine . That is just the way my Little sister is very spoil ed and uncaring. . My Sister did not want me to talk to her after my Mother passed and I was afraid to put up any red signals with Telling her the Value of the Vase. As it was a Tiffany. Okay i said it. But most importantly it was given to me by my Grandmother and I was hoping to get the Vase back as it has many memories to it. It was very very old. around 1930 at least. As it was always in my childhood home. I know my Sister would sell items that were valuable as art work left my House after she found out that my Stepfather gave them to me because she did not want them but then went she found out they were worth money they seemed to disappear except for the ones that were in my Sons house. But I never did anything about that because it was her Father that gave them to me because she did not want them when he kept asking her to take them home then just before his Death I was there and he made it clear that he told me to take them all and was upset with her for not taking them. Long story short I never made a police report because I thought the vase would show up I did tell her I was missing a vase and please check in Moms things . But never heard anything back. One year ago I was told there was something my Mother wanted my to Have at the Funeral home and I thought it may had been on my Mothers mind that she had taken it as I always ask for it. My Mother had Dementia that is why she was hiding things away like a little girl. My Sister knew this also. My Question is hoping a Insurance broker or someone is insurance can help me. Should I make a claim? Or just except the lost and hope that someday somehow I will see my vase again. I never got anything like my Sister said a year ago, So I do not know if it was the vase she was talking about as she never carried out my Mothers wishes as far as many things were concerned. I am thinking it would hike my insurance up too much to make such a large claim it would be worth at least more than 7.000 if not way more . I have never made a insurance claim and my Husband thinks it would make my insurance too high and I do not have enough evidence now but I Always thought it would turn up. But has not in 7 years.

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