Claim Payment—When Due?

Our homeowners insured (HO-3, 4/84 edition) suffered a theft loss over three months ago and has not yet received a check for his loss. The stolen items were tools in the amount of $4,400.

The insured made a police report; furnished the insurer with a list of the items taken; and replaced all of the items on his list, paying cash for everything. Copies of the receipts for replacement of the property were given to the adjuster. The adjuster has called several of the merchants to verify the purchases and has been told that the insured did replace the items and pay cash for them.

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