Insurance Claim Tips From An Art Insider

You see it unfold in slow motion. Your brother-in-law trips on your $45,000 Persian rug and puts his hand through your $220,000 Andy Warhol. Your rug now has an 8” tear, and your Warhol has been sliced and diced.

This sets into motion a chain of events which can leave you either exhilarated or exasperated.

The first clue could well be the initial visit from the insurance company claims adjuster.

As for the rug, you do not want to hear him say “We’ll have that sewn up in no time by this seamstress on the corner we use, and it will be as good as new.”

As for the Warhol, you would shudder as the adjuster gushes “I saw one just like it in a frame shop on the way over; I’ll go grab it for you.”

On the other hand, if you are lucky, Tom Kirkpatrick will walk in your door. Tom runs Contents Consulting, which primarily works with major insurance companies on claims involving high-end personal property losses.