Northern California - My bike, Stolen -- Newer rider, advice what to buy?

http://i415.photobucket.com/albums/pp232/BurnsRubber/BikeTheft.gif

Stolen right off my work stand in my garage. :(

My neighbor’s security camera caught the guy in the act. The police came, took a detailed report and prints from the work stand and another bike (probably stolen) he abandoned two houses down after he saw my bike shinning bright in my garage. This guy was bold. I was working out front all day cutting rubber matting I'm installing in my spare bedroom that I converted to a home gym for weight training in the off season.

My room mate and I were in the garage about a minute before he was in the garage. The video shows he was in the garage for a good 30 seconds, he probably couldn't figure out how to release the work stand. Apart of me wishes I could have caught him in the act, but no bike is worth getting stabbed or shot over. Even with videos and finger prints it's unlikely they'll catch the guy. I'm putting out the word on local cycling forums and Craigslist, you never know, my bike may turn up. I live in what would seem like a peaceful safe neighborhood in Brentwood. To those that may be thinking, "Keep your garage closed!", those were my exact thought this morning. I was very attentive by closing the garage that morning while I went in for a coffee break and later lunch, thinking, this bright red bicycle sure would look attractive to a theif. Not an hour later it was stolen. It can happen to you! I didn’t think it could happen until it did, LOL, I feel like such a victim. Ironically, I didn't notice it was gone for two hours! I was working hard on my home gym. I was also looking forward to trying my new stationary trainer that afternoon. Not! My bike is GONE! :cry:

http://www.performancebike.com/images/performance/products/large/30-1160-RED-SIDE.jpg

My bike was nothing really special, just a 2009 Fuji Roubiax, the base model with Tiagra shifters and front derailleur and 105 rear derailleur with carbon look pedals. I installed a SRAM 11-28t cassette with a top-end SRAM chain for the really step stuff grade >15%, like the final shoot up to the parking lot on Diablo and some parts of Paterson Pass road between Tracy and Livermore. I had a Garmin 305 Speed/Cadence sensor on it as well and carbon bottle cages. That morning I spent 2 hours taking the rear derailleur idler pulleys apart and lubing them. I also had the chain and cassette looking brand new. It was shifting silky smooth ready for a few rides next week before the rains come. :( I hope the new owner gets to enjoy my efforts.

Of all the bad things that happen to people everyday, this is pretty insignificant. I didn’t really understand how important my bike was to me until I was starring at the empty work stand having realized, “No, you didn’t forget you left your bike in the car--it’s gone!”

The serial number is 785749685403, if anyone comes a across bike matching this description. Although I admit this is a very popular bike.



So, this puts me very suddenly in the market for a new bike, and more importantly, very anxious to make a decision.

I’ve been riding for only 3 months. My plan was to ride the entry level Fuji Roubiax for a year or so to gain enough riding experience and knowledge to determine how committed I was to the sport to justify spending a fair amount of money on a ‘high-end’ bike. I am certain I committed. For example, last week I rode a little over 200 miles with over 2500 of climbing. In fact, I figured I needed to rest more, I’d been on the bike for 10 days in a row, and planned to rest this weekend, today I was planning to go for a light ride if I finished up the home gym. I finished the home gym, but was missing a bike...

I’m 26, 5’9” 165 lbs. I’ve trimmed over 10 lbs of fat over the past three months, and are targeting 155 lbs. I have a fair amount of upper body muscle mass, so this may be tough to do. I’ve estimated my FTP right now to be 250 +/- 25 watts. I’ve used my Garmin telemetry on climbs and various online formulae to estimate this, obviously not very accurate, but it tells me I have some room for improvement, my goal is to get over 300 watts. I think it’s my legs holding me back. My cardio is fairly strong right now, usually my legs burn up before my cardio does. I’m hoping weight training this off season help. Where I really need experience is group riding, I find it very intimidating to ride with a pack of 20+ fast(er) expirenced riders. I ride solo almost exclusively.

I see two options. I upgrade, or I buy a replacement Roubiax. My home owners insurance has a $1000 deductable, so I’ll be lucky to get $500 for a replacement bike and I don’t have a lot of money to spend right now either, unless I finance the bike. I had envisioned taking my time on deciding on an upgrade bike, riding many different options for months before committing because I’d already have a bike to ride, and since I NEED a bike, that doesn’t seem possible.

Should I look to upgrade right now? If so, any recommendations. Upgrade would probably mean carbon frame, and at least Ultegra level components, > $2000++.

Sorry for the long and somewhat depressing first post. I needed to vent more than anything.

Ah crap, that really sucks. I posted this before and it's prolly worth posting again. Got it from the Empty Bee Arrgh site (http://forums.mtbr.com/showthread.php?t=388416&highlight=stolen).

Good luck in recovering your bike.

...First, spring into action IMMEDIATELY. The longer it's out there, the less chance you have of ever seeing it again.

1) Call police and report it stolen the *second* you realize it, even if you don't have the serial number with you. The thief might still be riding or wheeling it around, and the police might see them. They'll give you a case number: call later and add the serial number to the case file. Sometimes the case officer will have email and you can send them a picture of the bike, which helps a lot. If not, print/copy one and take it down there yourself to add to the file.

2) Call local bike shops *immediately*. Don't just call the ones that deal in used bikes: thieves will sometimes take it to random places on their way to wherever. In my case, the thief walked right by the Bent Spoke (used bikes, whom I contacted right away) and walked into Tip Top (new bikes only) with a *videotape* of my bicycle, asking "how much is a bike like this worth?" I can't make this up.

3) Post a stolen bike alert in the "bikes for sale" section on Craigslist and put up physical flyers in the area where it was stolen. Offer a reward with no questions asked. Sometimes this works, especially for unusual bikes that are hard to sell, but you have to actually follow through on it. If it does work, stifle your curiosity. Just pay the tax, take your bike, get out of there, and be glad you got it back.

4) Thieves want money, fast. In the East Bay, this means they will often go to the flea market *the next morning* to sell it, usually for pennies on the dollar. Go early: they open at 7 AM and hot stuff tends to get sold in the first few hours. My bike was reportedly gone at 9 AM.

Ashby (Saturday/Sunday)
Laney (Sunday, maybe Saturday also? I get conflicting info)
Oakland Coliseum (Tuesday-Saturday)

I was told by many bike shops that Ashby and Laney were the hot spots, but I hit Ashby in both the morning and evening and I didn't see anything that looked too sketchy. Maybe it's been cleaned up, or maybe I was just there on a good day.

Laney, OTOH, was FULL of hot bikes and other merchandise. I saw probably 6-7 bicycles that were obviously stolen. It's the guys with a booth that looks like the contents of an apartment that are suspicious...when you see someone selling a DVD player, a couple car stereos, some CDs and DVDs, a cell phone, a computer, and a Tommasso with full Ultegra...

Note that the guys that buy and sell low-end bicycles are generally legit. Talk to them and ask them if they've seen your bike. Offer them a cash reward, no questions asked, and leave your *cell phone* (i.e. not your home phone where they can reverse lookup your address). The thief will usually sell a $1000 bike for about $50, so even if you have to pay off the vendor too you're coming out way ahead. If you talk to enough of these guys you will have the flea markets covered. That's how I found out what happened to my bike, though since I went to the wrong market the day it got sold I wasn't able to get it back that way.

The Coliseum evidently also has a lot of hot merch, because that's where my bike went.

5) The advice I got was "stolen property flows downhill towards the Oakland flats", and it's true: my bike was seen at MLK/Ashby on Thursday, 50th/Telegraph and 34th/West on Friday, and was probably sold at the Coliseum on Saturday morning.

6) Start trolling Craigslist and Ebay in case someone is dumb enough to post it up right away. Usually people are smarter and wait a week or two, but you have to check just in case.

Remember, if you post a reward with no questions asked, you may have to pay someone to get your own bike back in a sketchy transaction. This will rankle you, but it'll be a hell of a lot cheaper than replacing your bike.

Good advice BenRidin. Thanks for posting.

Bummer.

As far as buying a new bike, it depends on what you can afford. It sounds like you're going to be riding more in the future, so spending more on a good bike won't be a waste. But if you can't afford a spiffy carbon bike dont' worry, it doesn't make that much difference. Go test ride some and see what you feel.

If you are comfortable sizing and fitting and maintaining a bike yourself, you can get a pretty good deal from Pedal Force. I have a QS2, and it's a good bike. They are pretty good about service too.

As far as the group riding goes, find a group that's not too big and goes your speed or a little faster, and ride with them. The smaller groups tend to be a little less sketchy. As do ones with more masters racers.

If you want to race, then you need to work on pack riding, so at some point you just have to suck it up and do it. But you can pick safer groups to ride with, especially to start off.

Sorry to hear about your bike being pinched. I always worry about that myself. Usually working in the garage in the evening with the door up and lights on. Kinda like and advertisement to thieves with all the wheels and bikes hanging from the walls.
At the $1000 pricepoint your kind of stuck with the Tiagra build. I would also look at the Cannondale CAAD9 7 . Pretty close in the parts list but, for an aluminum frame you can't beat the CAAD9. I'm thinking of building one up as a crit bike myself.
Once you get comfortable riding in a pack you probably won't want to ride alone. Find a local club and either join it or just drop in on some of their rides if they allow that. Most clubs have a variety of paces to pick from. Racing will definately hone your pack skills. If you think that may be up your alley you should start with the Early Bird Crit series. It runs in Fremont the first 5 Sundays of the year. Rain or shine. You can find more info at ncnca.org . They offer a beginners clinic each day which goes over the basics of racing (ie: pack riding, drafting, pacelines, breakaways etc.) Great way to break into the sport.

I've decided to upgrade. I'm looking at 2009 Specialized Tarmac, either at the LBS or on the used market (craigslist, eBay). My optimal frame size should be 54cm. Though I'm finding more 56cm bikes and wondering if they would fit okay. I test rode a 54cm 2009 Tarmac Expect yesterday. It was incredibly light and smooth over rough asphault. Immediately I noticed it's a whole different universe compared to my stolen Fuji.

As far as racing, I'm more interested in road racing then Crit. I like climbing.

Hey I was just going to chime in and suggest you upgrade but looks like you decided already.

When I was brand new to road biking I bought a fairly nice bike (cannondale synapse carbon). It took a big leap of faith and at the time I was definitely not worthy of owning or riding it ;) But now it's been 3 years and I'm a much better rider and finally able to extract some of the potential that a nice bike has to offer. The only things I have changed on this bike have been consumables (chain, cassette, brake pads, cables, bar tape). Oh I guess I upgraded the pedals once too.

Sometimes I get the upgrade bug but then realize I already have decent enough components and that I should just go out and ride harder if I want to get faster ;)

So I've been happy with getting a bike that was "too big" for me so to speak and then growing into it skills wise.

Hey I was just going to chime in and suggest you upgrade but looks like you decided already.

When I was brand new to road biking I bought a fairly nice bike (cannondale synapse carbon). It took a big leap of faith and at the time I was definitely not worthy of owning or riding it ;) But now it's been 3 years and I'm a much better rider and finally able to extract some of the potential that a nice bike has to offer. The only things I have changed on this bike have been consumables (chain, cassette, brake pads, cables, bar tape). Oh I guess I upgraded the pedals once too.

Sometimes I get the upgrade bug but then realize I already have decent enough components and that I should just go out and ride harder if I want to get faster ;)

So I've been happy with getting a bike that was "too big" for me so to speak and then growing into it skills wise.

I think I'm 'ready' for a better bike. Money is the issue. It's important not to become gear obsessed. That's common in photography, to buy $3000 worth of photo gear and not know how to use it properly.

My LBS is offering a 2009 Tarmac Expert Compact for $2669. With tax and pedals this will cost well over $3000. They are selling another Expect that was their demo bike for $2150. What I don't like about it is the paint, white with purple stripes (ummm...yeah) plus it has a double crank, I'd need to swap out for a compact.

Anyone know what 2009 Tarmac are going for?

Better question is: Is it your size?
I am a complete shill, so I would also recommend looking in to Pedal Force bikes. The RS2 frame is quite nice.

UD

Not sure if you own the home you live in, but if you do, your homeowners insurance "may" cover the loss since it was stolen out of the garage. Should call your agent if the case. Fyi.....

Not sure if you own the home you live in, but if you do, your homeowners insurance "may" cover the loss since it was stolen out of the garage. Should call your agent if the case. Fyi.....

I do own my home. My deductable is $1000. My broker advised me not to make a claim on the loss as I would likely only recover $500 or so and the claim may cause my rate to increase or I may be dropped from the insurance carrier.

But having thought about this for a few days, I may reconsider this position... $500 is better than nothing.

I'm now thinking about a 2010 Expert purchased on the s-card. Having six months to pay for it will certainly help.

have you looked at any Wilier or Lapierre? They are fantastic bikes that are perfect for future upgrades and they do their best to keep the cost down with their component choices. I got to check them out and they are pretty cool in my book

have you looked at any Wilier or Lapierre? They are fantastic bikes that are perfect for future upgrades and they do their best to keep the cost down with their component choices. I got to check them out and they are pretty cool in my book

No. I haven't look at much else actually, I wasn't looking for a bike until Sunday night. My interest in Specialized is 1) from what I hear they make good bikes 2) there are dealers all over NorCal 3) I like the way they look 4) they're a local company (Morgan Hill) 5) the Schleck brothers ride them (jk'ing).

I'm very open to suggestions. I don't feel comfortable building my own bike, yet, maybe someday. I'm affraid of an online purchase. Would rather buy used face-to-face or from a dealer. What of Wilier and Lapierre compares to the Tarmac Expert?

The Oakland flea market on Sundays by Laney College is where ALL the stolen stuff goes.
It might not appear right away after being stolen but it will eventually. I have seen Fuji's exactcly like yours and other high ends like Marin and Casati. Check it out periodically and you will see the entire bike or the frame. Nobody does anything about it. I have seen the F.B.I. checking out bootlegged DVD's but they do not give a rat's ass about bikes.
If you go looking for your bike, have a plan. Do not appear to just be looking for serial numbers and one particular bike. Ask questions like you want to buy it and discreetly check out the particulars to ascertain it is your bike. Once you discovered it is yours, don't say anything. Go get the cops. Have a police report and proof that it is your bike (or frame). Do not engage the people selling it before you have the cops there. You'll also find your stolen lap-tops at Laney's Sunday flea market.

As far as buying a new bike, I went to ReMatch Sports for a used one. It is a legit consignment store for sports only. If you want to sell a bike there they take your I.D. I have bought two bikes there; a hybrid for leisure that was so new it still had hairs in the threads. It came with the receipt and booklet, lock, water bottle all from factory. I paid substantially less than new. They also have a lot of new bikes (you'll be surprise how many people buy stuff they do not need or use) so I bought me a SOMA fixie that was beautiful for my speed addiction. Again, a hell of a price. They have their entire inventory on their web-site. So you can buy on line. Just a suggestion.

unfortunately there aren't too many dealers in U.S. carrying either but call around and maybe they have one to demo. I believe they are both French companies. I just mention them cause a couple of lbs carry these and I had the opportunity to check them out. The Wiliers I know a bit better and are very nice. super stiff carbon frame with 105 can be had for around 1600 maybe 1700. Not too sure of numbers but even though not as good as dura ace they are built to upgrade later

I do own my home. My deductable is $1000. My broker advised me not to make a claim on the loss as I would likely only recover $500 or so and the claim may cause my rate to increase or I may be dropped from the insurance carrier.

But having thought about this for a few days, I may reconsider this position... $500 is better than nothing.

Sorry about the theft. Mine got stolen from my garage as well. Luckily they only took one of my bikes (the only one with pedals on it) and not all of them or even the most expensive.

I would take your broker's advice and not make a claim. Not worth it. I did (renter's insurance) and regret it. My house was broken into a few weeks later (coincidence?) and I couldn't make a second claim even though the loss was much higher. That one single claim also caused me problems when I tried to get new insurance. Save it for a big loss (burglary, fire, etc.).

MSRP on a 2009 Tarmac Expert Compact is $3700. I know a lot of guys on Tarmacs and haven't heard any complaints.

MSRP on a 2009 Tarmac Expert Compact is $3700. I know a lot of guys on Tarmacs and haven't heard any complaints.

Mike's Bikes is selling the 2010 Tarmac Expect for $3000. I originally called about 2009 demo bikes, which they're all sold out of. It looks like all the demo bikes have the purple stripes. He mentioned that the 2010 Tarmac is only $300 more then what the closeout 2009 are going for, and for the money you get a better frame and the new Ultegra. However, the wheels are a downgrade, Shimano Ultegra vs. Ksyrium Equipe. They're bringing a 54 with a compact crank to the Berkeley store tomorrow for me to buy, or at least drool on. I didn't ask what color, white/carbon or red/carbon, I think they both look good.

Anyone ever delt with Mike's Bikes? I hadn't heard of them until they popped up on a Google search yesterday.

Sorry about the theft. Mine got stolen from my garage as well. Luckily they only took one of my bikes (the only one with pedals on it) and not all of them or even the most expensive.

I would take your broker's advice and not make a claim. Not worth it. I did (renter's insurance) and regret it. My house was broken into a few weeks later (coincidence?) and I couldn't make a second claim even though the loss was much higher. That one single claim also caused me problems when I tried to get new insurance. Save it for a big loss (burglary, fire, etc.).

Sorry to hear. Thanks for your sharing your insurance experience. Will keep that in mind. It's hard to imagine how/why you couldn't make a second claim. That really sucks. Sounds like a bad neighborhood.

Bummer about the Ksyrium downgrade. They aren't terrible wheels but heavy. They are bombproof though. You can also check out Livermore Cyclery in Dublin. They sell Specialized and I've always had great service there.

My wife bought a Tarmac Expert a few years ago (Gerolsteiner colors), and Mike's Bikes was pretty helpful. We switched out the Ksyrium wheels for Easton Ascent IIs since she's light enough not to need bombproof wheels. I think I might start locking up the bikes in my garage again after reading this.

http://i415.photobucket.com/albums/pp232/BurnsRubber/tarmac-1.jpg
http://i415.photobucket.com/albums/pp232/BurnsRubber/tarmac-2-1.jpg

As you can see from the photos, I'm now an owner of a new 2009 Tarmac Expert Compact.

I did test ride the 2010 Expert. Immediately I noticed the new Ultegra on the ‘10 with the Dura Ace 7900 style hoods. I would love to have the new Ultegra 6700, but for that matter I would like to have Dura-Ace/Di too, on an S-Works bike, with an SRM power meter and Garmin 705. The brake cables hidden away under the handle bar tape instead of sticking out of the side of the hoods like a pair of cricket antennae is clean and elegant. It's impossible to say if the '10 frame was stiffer without proper pedals and cleats. I'm sure I might notice a difference in a sprint or climb, but I bet it would be subtle.

What I did notice was the difference in wheels. The '09 Tarmac with the Ultegra wheels had a much plusher ride on the rough streets of Berkeley compared to the '10. For reference the Ultegra wheel set cost about twice as much as Ksyrium Esquie, this may partly explain why the 2010 Expert has a lower MSRP than the '09. For the record, I’m sure I would be happy with either bike, though I would be looking to upgrade the wheels on the ’10 Expert.

I bought the bike from Mike’s Bike’s at the end of University Ave right next to the UC Berkeley campus. Everyone in the shop was very friendly and helpful. Some of them read this forum and had seen this thread and remember the security camera video of the bike thief, we all had a laugh over it. I found the steep hill, just around the corner from the shop that goes up to the Lawrence Berkeley Lab and the football stadium good for test riding. I’ll definitely recommend this bike shop to anyone in the market for a bicycle.

I won’t disclose the price I paid for the ’09 Tarmac. Mike’s Bike’s honors a price match policy and it wouldn’t be fair to them to advertise the best deal around so I’ll leave would-be buyers to do their own research. I will say the price was good enough to make the decision to buy the ’09 fairly easy.

Since my bike was stolen, I needed pedals. I used Look pedals (actually Forte, Performance brand) on my old bike. Initially I was thinking I would try Speed Play pedals, but based on the loose float these pedals apparently have one of the guys in the shop talked me out of it. Instead they recommended the Shimano Ultegra pedals that were on sale for $130, to round off a complete set of Ultegra components. Message to Japan, I will accept a Shimano endorsement deal.

When I got home I had enough daylight left for my first ride. First, I spent 45 minutes tweaking in the saddle height and fore-aft reach. I think I ended up with a higher saddle then my old bike. It felt right and seemed like I was getting more power out of my legs so I went with it.

When I got out on the road: “bahbah bop bop bah: I’m loving it”. On rough asphalt, the ride was gentle. Turning the crank was fluid. The brakes had enough power to lock up the tires with ease. But, I didn’t really appreciate how great this bike was until I got to my first climb. It’s only 150 feet tall but it starts off at about 12% and gently rolls off to averages about 8%. On my old bike, during the 12% bit, I would eventually get down to my sissy gear, the 28/34 and pedal at about 90 RPM at 9 MPH. In the Tarmac, when I got to 24/34, I didn’t need to downshift anymore. When I looked down at the speedometer, I was shocked to see I was cruising along at 11 MPH instead of only 9. Even with my cardio not what it was a week ago, the last time I rode a bicycle, and having flu symptoms, I’m now able to climb a hill better than 20% faster then my old bike. I now understand how you can do without a compact crank. Pretty much everything could be done faster without any extra effort. Where I’d only be going 18 or 19 into a head wind, I could now do 20.

The past two days I’d been on sick leave from work with flu symptoms. This morning I woke up with a headache, feeling achy and congested and with a stiff neck. These symptoms persisted throughout the day. When darkness finally forced me to get off the bike, I immediately realized I no longer felt sick and my stiff neck was gone. Maybe I didn’t have the flu, maybe I just needed a bike ride?

Sweet bike! What brand was it again? If only they could put a sticker somewhere so I could identify it ;)

Sweet bike! What brand was it again? If only they could put a sticker somewhere so I could identify it ;)

:roflmao2:

I was thinking the same thing. I just counted 16 "Specialized" logos on the bike, and I'm not certain I got them all. It does look dreadfully gaudy and takes away from the beauty of the bike.

If that's my only complaint about this bike, I'll be happy.

Edit: BTW, they're not stickers, they're painted onto the frame. That makes it much worse...

Maybe I didn’t have the flu, maybe I just needed a bike ride?

Beautiful bike, great story, and good ending. I love this thread. :thumb:

Sweet bike! What brand was it again? If only they could put a sticker somewhere so I could identify it ;)

One of the reasons I like my bike: No brand name painted all over the frame. :p

UD

Thats a sick bike. Enjoy the hell out of it!

I forgot to count the "Specialized" logos on the bottle cages. That brings the total up to 20. If you include the tires, it will go even higher. :lol:

Did a 60 mile ride this morning with 4200 ft of elevation gain. Such an awesome machine. I'm not sure this saddle is right for me. The saddle never really bothered me on my Fuji. I have been off the bike for almost a week. I'll give it a solid week of riding before I go looking for a replacement.My heart rate was really high most of the time, that's what a week off will do. I feel good now. Weighed in at 161 after the ride. Lowest I've seen since, I don't know, freshman year in high school? I want to get down to 155.

When I got home I had enough daylight left for my first ride. First, I spent 45 minutes tweaking in the saddle height and fore-aft reach. I think I ended up with a higher saddle then my old bike. It felt right and seemed like I was getting more power out of my legs so I went with it.



That's a nice bike.
Two words of advice... Get fitted by a professional. Your neck, back, arms and legs will appreciate it and you'll enjoy long rides a lot more. :thumb: The other, keep your bikes indoors always. I don't keep mine in the garage for two reasons... One door closer to theft and the temperature extremes/humidity/dust-dirt is bad for bike components. It's not that hard to make room in a hallway closet or just keep it in your gym all the time.

Sorry to read the story of your stolen bike. I think you'll really enjoy your new one - I have the exact same one! :thumb:

Post a stolen property ad here: http://www.karmaarmy.com/

You may get lucky if someone spots it.

That's a nice bike.
Two words of advice... Get fitted by a professional. Your neck, back, arms and legs will appreciate it and you'll enjoy long rides a lot more. :thumb: The other, keep your bikes indoors always. I don't keep mine in the garage for two reasons... One door closer to theft and the temperature extremes/humidity/dust-dirt is bad for bike components. It's not that hard to make room in a hallway closet or just keep it in your gym all the time.

Good advice.

I'm keeping my bike in my home gym, where it was photographed. Keeping it out of the heat and cold is good reason alone, I hadn't thought of that.

I'm going to have my fit looked at. On my old bike I went in to get fit and they couldn't find anything to change. But it's still worth while to have it checked.

Sorry about the theft. Mine got stolen from my garage as well. Luckily they only took one of my bikes (the only one with pedals on it) and not all of them or even the most expensive.

I would take your broker's advice and not make a claim. Not worth it. I did (renter's insurance) and regret it. My house was broken into a few weeks later (coincidence?) and I couldn't make a second claim even though the loss was much higher. That one single claim also caused me problems when I tried to get new insurance. Save it for a big loss (burglary, fire, etc.).



welcome back dude