Renters Insurance Claim Invasion of Privacy ? Bad Faith ?

[jamesrealestate]

State:Oregon
My automobile was broken into early this year.
Over 20k of outdoor and camera equipment was taken.

Filed claim with my insurance company and now 90 days later they said they were just a few days away from being complete and now
then want me to give full authorization to all my previous

Salary and Employment Records
Mortgage Records
Income Tax Returns and supporting documentation o
Bank statements or records
Finances or installment purchases
Credit standing or rating
Auto, Property and Liability claim history
Police, traffic or accident reports**
Any and all insurance records and purchases
Utility records/billing statements
Telephone/Cellular records/billing statements

As well are requesting
Current and Past Lease Information
Detailed Cell phone Records for months
Detailed Name/Address/Contact info for previous employer
Cell Records / Emails / Bill of sales for items claimed.

Previous to this request i was informed everything needed was provided and the claim was in its final stages of completion.
Photo evidence of all items / written statement / recorded signed affidavit all complete to there standards.

Now this... it feels like they are acting out of bad faith and invading my privacy...

your thoughts ?

I have no problems giving specific bank statements/ cell records / lease / contact info...
but to turn over all my records for the sake of
poking around seems excessive

This is my first even renters insurance claim

 

[adjusterjack]

It's being treated as a suspicious claim.

The insurance company will investigate every inch of your life up one side and down the other to determine whether it's a fraudulent claim and what they will do is perfectly legal.

I would have, and have, done the same when somebody's claim defies common sense.

Leaving $20,000 worth of valuable property in an unattended vehicle is so far out of whack that nobody is going to believe you aren't making a phony claim.

You are free to withdraw the claim if you don't want your "privacy" invaded.

 

[quincy]

State:Oregon
My automobile was broken into early this year.
Over 20k of outdoor and camera equipment was taken.

Filed claim with my insurance company and now 90 days later they said they were just a few days away from being complete and now
then want me to give full authorization to all my previous

Salary and Employment Records
Mortgage Records
Income Tax Returns and supporting documentation o
Bank statements or records
Finances or installment purchases
Credit standing or rating
Auto, Property and Liability claim history
Police, traffic or accident reports**
Any and all insurance records and purchases
Utility records/billing statements
Telephone/Cellular records/billing statements

As well are requesting
Current and Past Lease Information
Detailed Cell phone Records for months
Detailed Name/Address/Contact info for previous employer
Cell Records / Emails / Bill of sales for items claimed.

Previous to this request i was informed everything needed was provided and the claim was in its final stages of completion.
Photo evidence of all items / written statement / recorded signed affidavit all complete to there standards.

Now this... it feels like they are acting out of bad faith and invading my privacy...

your thoughts ?

I have no problems giving specific bank statements/ cell records / lease / contact info...
but to turn over all my records for the sake of
poking around seems excessive

This is my first even renters insurance claim

I suggest you speak to an attorney in your area prior to turning over the documents requested.

The request being made appears overly burdensome, unreasonably duplicative and unnecessarily invasive.

 

[Zigner]

Leaving $20,000 worth of valuable property in an unattended vehicle is so far out of whack that nobody is going to believe you aren't making a phony claim.

In the past I would have agreed with you, but if this person is a professional underwater photographer (as an example), it would be easy to have that much in the car.

 

[quincy]

In the past I would have agreed with you, but if this person is a professional underwater photographer (as an example), it would be easy to have that much in the car.

Photojournalists commonly carry around equipment of that value and above. My thoughts went in the same direction as yours, Zigner.

 

[adjusterjack]

In the past I would have agreed with you, but if this person is a professional underwater photographer (as an example), it would be easy to have that much in the car.

The OP's user ID has the words "real estate" in it.

 

[quincy]

Possibly.

That's what a thorough investigation is designed to find out.

The "thorough investigation" being conducted is looking to be too thorough. The requests are excessive and unreasonable.

Professional photographers take home photos and videos, as a note - although the profession does not necessarily mean anything to the amount of information being requested.