burglary *right now* in south slope near circle

that's nuts ! Any update ?

Years ago when I was living half a block from the Gowanus houses I had a window by the kitchen sink. I was looking out the window while washing dishes and saw a man hop over the chain link fence from the next door yard, run through my overrun with weeds postage sized backyard and then hop over the chain link fence on the other side. A minute or two later two coppers, one with his gun unholstered, jumped over the same fence, the one not brandishing his weapon stumbling and falling. Real keystone like, By the time I looked out the back door everyone was gone. I looked out the front and the street was crawling with cops and blocked off. I watched the proceedings from my stoop. After an hour they all left, no perp in tow. Later when I talked to a neighbor he was very blase about the whole thing. "Happens all the time," he said. But for me that was an exciting day.

My apartment was robbed hardcore in Prospect Hts... took everything of value. And they gained access through an unlocked window near-ish to the fire escape. Then one of the little creeps let the whole crew in through the fire escape. Given the time frame and how much they took, the police think it must have been at least 3 or 4 guys.

I did not have insurance.

I now have insurance. State Farm. $125 a year.

I have a "basic" policy... i have (again) some valuables, but nothing really special. You're right it adds up.

My policy:

$15,000 "actual loss"
$500 deductible

$100,000 personal liability


HOWEVER, there is the key bit of reality.... Insurance companies will do EVERYTHING in their power to pay as little as humanly possible on a claim. Unless you pay all sorts of cash (and lots and lots of cash) on a "replacement value" policy that favors you and have an itemized and validated inventory... you're gonna get what they decide your crap was worth and what they decide you actually owned at the time of the burglary.

All things equal, I bet I'd get as big of a check from the insurance with my $15,000 policy as, say, a $30,000 policy.

Is that cynical? Yeah, probably... but probably pretty fairly true.

Brooklynpotter... how many claims have you made?

ON Wedsneday 03/24 my apartment in WT near the circle was robbed and they absolutely got it from the roof
do you remember the officers names? or if they were fomr the 78 or 72 precinct?thanks