Larry
West Sacramento,#2Consumer Comment
Thu, August 09, 2007
If your homeowner's insurance did not cover damage in a storage locker, they would not have sent out an adjuster to inspect the damage. The real problem is that you likely have no flood insurance on your home and your belongings were damaged by a flood. They would not have covered this loss if it had occurred in your basement or garage, so they would not cover it elsewhere. It is most likely that the adjuster denied your claim for that reason and was unaware that your contract prevented you from recovering damages against Public Storage.
Steve
Bradenton,#3Consumer Suggestion
Mon, July 23, 2007
Homeowner's Insurance is NOT obligated to cover this. This is clearly spelled out in every homeowner's policy I have seen. Household goods are ONLY covered IN TRANSIT on any homeowners policy I have seen. The other contributors were correct. You signed a contract where you agreed to store your items at your own risk, AND you declined the insurance when it was offered. You chose to store your items without insurance protection. And, it makes no difference if the staff was negligent, as the contract you signed absolved them of ANY responsibility for your goods. Live and learn. Move on.
Larry
West Sacramento,#4Consumer Suggestion
Mon, July 23, 2007
Most storage contracts have a clause in them that holds the landlord harmless from claims of negligence. The laws in many states permit this as storage rental is considered a commercial lease. This means that Public Storage cannot be held liable for damage to your property. If you were to sue, you not only would fail to collect any damages but you would also be required to pay Public Storage their costs in defending the lawsuit because the contract also has a clause that says the loser pays the winner's costs. Reopen your claim with the homeowner's insurance. If your goods were insured, you should be able to collect on your policy even though a third party caused the damage. That's the reason you buy insurance in the first place.
John
Hazel Park,#5UPDATE Employee
Sat, June 02, 2007
It clearly states that Public Storage is not responsible for your goods. You signed a contract that says that. You homeowners will not pay than it is not PS fault. Sorry no rip off here.