Sorry for the losses. This should wake people up though. If you do not have a rider on your homeowner’s than you should insure through the wine storage facility’s insurance offering.
How do you cover alarm sensors without setting them off, virtually impossible if mounted up on the walls. Same goes for spray painting cameras if they are 20ft up. Sounds like an inside job.
Of course not…who…in their right mind…would steal Eyetalian stuff!!
Sounds like you friend lucked out. Sorry to hear about the others who were not so lucky.
It does sound like an inside job to me, though.
Tom
The wine locker I stored at previously in Pasadena had someone steal a bunch of wine (inside job). They ended up installing finger print scanners to get into the room so you knew exactly who was coming in and out. Storquest in Anaheim Hills also does a unique 8-9 digit passcode to get in, and you have to enter it through two separate entrances to get to your locker. One place I looked at in Pasadena has a guy walk you to the elevator as he’s the only one with access and then he brings you back down, that’s pretty intense security . I applaud all places that go the extra step for security for people’s wines.
I think it’s important to distinguish between the facility having insurance that “covers your wine,” and the facility having liability insurance that covers the facility for
claims due to theft of its customer’s property. The professional wine storage facilities agree to store your wine for a fee, and they understand that they have some
responsibility for the safety of the property you store with them. So if (as an example), one of their employees breaches their duty to customers by stealing (or allowing
to be stolen) the customers’ wine, then that could give rise to a claim against the facility for negligence or other claims, and that claim could be covered by their
liability insurance.
I would recommend that the customers who feel that their wine was stolen at the facility consult with a local attorney to determine their legal rights. Don’t assume that you’re
just SOL because you didn’t have your wine insured while it was being stored at the facility.
I’ve never heard of one insuring the customers’ wines. There’s always disclosure/disclaimer language in the storage contract telling you to get your own coverage.
Kevin, just curious what portion of the loss is covered by your homeowner’s insurance. Since theft is a covered peril on a homeowner’s policy, I would think you would be able to recover your loss, less your deductible?
Homeowners is saying 10% of loss due to it being stored offsite without a special rider. Still working with them though as that seems like a BS amount. Theft of a “collection” is proving much more complicated than theft of other property like car stereos or what have you.