Need help my JD 4200 CUT stolen

[kdm004]

Hi has anyone else lost a piece of equipment due to being stolen out of their shed , the shed wasn't locked . I don't know what to do my JD 4200 HST 4x4 CUT gone in the night ya I reported it to police but I don't have the serial # for my 300CX loader or the 72 inch mid mount mower . I got the mower when I got the tractor but I got the loader second hand and I have no receipt I paid cash for it . I only had 1350 hours on the tractor and mower and the loader was mint . I have the service manual for the loader . I'm so upset that someone would steal my baby I don't know what to do I have insurance thru state farm but am afraid we don't have coverage for such a large CUT . I'm almost sick to think of the call to the insurance company . anyone gone thru this situation before and can offer advice please do
thanks for you time and assistance

 

[Redneck in training]

Hi has anyone else lost a piece of equipment due to being stolen out of their shed , the shed wasn't locked . I don't know what to do my JD 4200 HST 4x4 CUT gone in the night ya I reported it to police but I don't have the serial # for my 300CX loader or the 72 inch mid mount mower . I got the mower when I got the tractor but I got the loader second hand and I have no receipt I paid cash for it . I only had 1350 hours on the tractor and mower and the loader was mint . I have the service manual for the loader . I'm so upset that someone would steal my baby I don't know what to do I have insurance thru state farm but am afraid we don't have coverage for such a large CUT . I'm almost sick to think of the call to the insurance company . anyone gone thru this situation before and can offer advice please do
thanks for you time and assistance

I feel your pain. My camera and money was stolen in Puerto Rico. It was worth only few hundred but it made me so mad I would kill the thief if I could get my hands on that SOB. I couldn't sleep for few nights plotting how I would remove the SOB from the gene pool.

Locked shed wouldn't stop them. They would damage the shed and steal it anyway. Keep eye on the ebay, craigs list and newspaper adds.

 

[mjncad]

Keep eye on the ebay, craigs list and newspaper adds.

Good advice, and from a local TV station.

Woman Able To Retrieve Stolen Bike Found On Craigslist

Woman Able To Retrieve Stolen Bike Found On Craigslist CBS Denver

 

[creekbend]

I am sincerely sorry for your loss. I definitely would not want to feel the pain and hurt that you are currently feeling. Just a thought. Do you have any pictures that were taken of the equipment, and if not, perhaps a family member or a friend might have taken some pictures without your knowledge. All the previous other posts offered sound advice that would most definitely improve your chances of recovery. Don't give up hope.

 

[sriddle1ny]

kdm004 QUOTE "I have insurance thru state farm but am afraid we don't have coverage for such a large CUT"

kdm004, Nothing worse than someone sneaking on your property and taking something that is yours + the personal security aspect.

I believe most insurance companies have a similar coverage statement when covering Compact tractors:

The Homeowner Policy provides coverage for your Compact Tractor on the homeowner policy in the same way it would cover a riding lawn mower as long as it is used solely to service your insured location. It is covered on your premises only, personal use only, any loss to it is subject to regular Homeowner deductible and covered for the same perils as the Homeowner policy provides.

My wife and I just switched to Liberty Mutual and their question, is it used for agriculture/farming or for a business off premises, their homeowner policy has exclusions for such activities and a specific policy covering those activities needs to be written. Another thing people should check on, coverage while the Compact Tractor is in tow..........

With regards receipts, perhaps if you or the previous owner had any of the equipment services anywhere that would have recorded the serial numbers that might be a good start, I suspect you already thought of that by now.

 

[Glen Watkins]

That sucks but hopefully your insurance co. comes thru on this like they should! Lesson for everyone else to record serial numbers.

 

[DanD78]

Have you checked all over your property? I left mine sitting in front of the shop one evening while I made a quick trip to town. Returned a half hour later and the tractor was gone. I called a couple of people who have used the tractor in the past and they didn't have it. I did a police report that evening and called the insurance the next day.

Two days later I was on the back side of my property, in an area you can't see unless you walk or drive and there was my tractor. I never have figured out who moved it on me.

Dan

 

[cdaigle430]

A couple weeks ago I had a 21' alum. ladder, a dolly, and a sledgehammer stolen from my property. I filed a police report but since none had a serial number and I had no pictures or distinctive features to list I know I will never see them again. I would cry if my tractor got stolen regardless of wether or not it was replaced by the insurance company. I am going to install a nice security system, I know it may not keep them from steeling it but at least I have a way to fight back.

 

[sriddle1ny]

Home Owner Policy Clarification from our Liberty Mutual Agent this morning JD "Toy" coverage as he put it...... The "BOSS" (aka Wife) called this morning and reiterated we have a JD425 Lawn Tractor, JD790 CUT, JD419 Loader, JD59 SBlower and JD60" Belly Mower, the agent's response:

"As long as the John Deere “toys” are paid for in full (not leased or financed) they are covered under personal property. If not, you would need a separate policy for them, which we do not provide. The loader, snow & belly items are insured as personal property."

Apparently they will not insure/back financing which makes sense.

 

[grsthegreat]

Home Owner Policy Clarification from our Liberty Mutual Agent this morning JD "Toy" coverage as he put it...... The "BOSS" (aka Wife) called this morning and reiterated we have a JD425 Lawn Tractor, JD790 CUT, JD419 Loader, JD59 SBlower and JD60" Belly Mower, the agent's response:

"As long as the John Deere 鍍oys are paid for in full (not leased or financed) they are covered under personal property. If not, you would need a separate policy for them, which we do not provide. The loader, snow & belly items are insured as personal property."

Apparently they will not insure/back financing which makes sense.

You had better get that in writing. I have checked with several insurance companies about my tractors, and they have all stated that a separate rider HAS to be issued for these items. They are not covered under our homeowners or our farm policy.

Same thing for items like cameras and jewlery. They all need separate coverage.