Actually Hagerty is my insurer on the 230SL and they have been nothing less then phenomenal. No challenging me on the validity of my claim. No arguing over value or needing documentation other then the cars title. Just straight forward and they genuinely seem to feel my pain. Someone within the company, totally unassociated with the claim, even sent me a handwritten note that I have attached.
Geico is our insurer on the remaining vehicles and they have been great with no questioning the claim. I mean, the garage and it's contents are a TOTAL loss... there is nothing left... 1500 degrees in that garage decimated everything. Even cars parked outside the garage on the neighboring property were torched. So Geico really cannot argue much about it even though we still do not have a cause. No oily rags. No odd electrical issues with the garage or the cars. I am totally stumped at this point but am thoroughly beating myself up over this whole thing as without a reason I cannot blame anyone but myself. Human error is likely the cause but I am so careful about everything I do (I am a mechanic by trade) I am at a loss. Hoping further investigations will reveal the reason. I sort of need to know so I can move on...
I read your story and saw the video. You must be totally devastated. I am so sorry and feel for you. Did they ever find out what started the fire? Did you know that oily rags in a pile can ignite themselves? There is an OSHA rule that requires such rags to be put into a metal box with a lid.
Hopefully, you don't have to go thru the troubles I have with GEICO about my loss. First, they investigated about insurance fraud. It took them a month to send an adjuster out. Then they said "They couldn't reach me". Then, my insurance should cover the loss. Then, "we understand that there isn't a Mercedes which would be covered-----" then, "we are continuing to review for a possible excess of property damage limit". I have paid out of my own pocket for a new wall behind my garage, a new garage door, for parts to repair my Prius and for the repair of the Mercedes with much more costs to come. GEICO is a real PITA
