Posted on Dec 9, 2021
Who do I need to talk to about getting reimbursement for my damaged items after my room flooded?
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Who do I go to for reimbursement of damaged items while living in the barracks. I have my 4986 and my items have been verified by my platoon sgt.
Posted 3 y ago
Responses: 7
SFC Michael Hasbun
SFC Ralph E Kelley - Yes, absolutely. That was one of the first things one of my 1SG's mentioned back in 99. I've always had it. USAA has very good renters insurance for barracks dwellers.
https://themilitarywallet.com/military-members-need-renters-insurance/
https://themilitarywallet.com/military-members-need-renters-insurance/
Why Military Members Need Renters Insurance
Renters insurance is one of the most important insurance policies you can buy to cover your belongings. Renters insurance is inexpensive and easy to buy.
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So, yes, renter's insurance is the best answer. In any of the below scenarios, renter's insurance SHOULD cover you, and then THEY can file a claim against a responsible party (if any).
However....
If the room was flooded due to a fault in the barracks (for instance a pipe burst) then the claims office (same office you go to when mover's break your stuff during a household goods shipment) SHOULD be able to provide some relief. You would, at that point, essentially be filing a claim against the government for the damage caused by their faulty structure / faulty maintenance.
If, however, the flood was due to an idiot roommate or neighbor, your claim would be against them, and you would be asking them to make you whole, either person to person or through small claims court
If the flooding was cause by an act of God (i.e. actual flooding due to heavy rains) you have only renter's insurance to fall back on. And that may or may not be helpful, depending on the terms of the policy.
However....
If the room was flooded due to a fault in the barracks (for instance a pipe burst) then the claims office (same office you go to when mover's break your stuff during a household goods shipment) SHOULD be able to provide some relief. You would, at that point, essentially be filing a claim against the government for the damage caused by their faulty structure / faulty maintenance.
If, however, the flood was due to an idiot roommate or neighbor, your claim would be against them, and you would be asking them to make you whole, either person to person or through small claims court
If the flooding was cause by an act of God (i.e. actual flooding due to heavy rains) you have only renter's insurance to fall back on. And that may or may not be helpful, depending on the terms of the policy.
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Renters insurance. The Army isn't your insurance agency and isn't going to reimburse you
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SSG (Join to see)
He gave you the answer, you don’t have to like it. You should have renters insurance for your property in the barracks. SGT (Join to see)
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SFC (Join to see)
SFC Ralph E Kelley yep, USAA covers renters insurance in the barracks and it's dirt cheap. Something like $25 a month. They'll even cover your computer if you drop it and it breaks. It's a hell of a deal
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SFC Michael Hasbun
SGT (Join to see) - That is the actual answer.
The Army is NOT responsible for the maintenance or replacement for lost/missing/stolen Soldiers gear. That is up to the individual Soldier. That is why Soldiers have been briefed to get renters insurance since at least the 90's when I joined.
The Army will REPLACE gear, but a FLIPL will be conducted and unless the Investigator determines that the Government was at fault for the loss, the cost of the items is on the Soldier, not the Army.
Please see DoD Financial Management Regulation Chapter 12 for details on the process.
https://comptroller.defense.gov/Portals/45/documents/fmr/archive/12arch/12_07_Apr1998.pdf
The Army is NOT responsible for the maintenance or replacement for lost/missing/stolen Soldiers gear. That is up to the individual Soldier. That is why Soldiers have been briefed to get renters insurance since at least the 90's when I joined.
The Army will REPLACE gear, but a FLIPL will be conducted and unless the Investigator determines that the Government was at fault for the loss, the cost of the items is on the Soldier, not the Army.
Please see DoD Financial Management Regulation Chapter 12 for details on the process.
https://comptroller.defense.gov/Portals/45/documents/fmr/archive/12arch/12_07_Apr1998.pdf
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