Last night someone stole a load of my clothes from the laundry room in my apartment. There was maybe 30-45 minutes between when I put quarters in the dryer and when I went back down to discover that things were missing, so I didn't leave them there for a day and beg for this or anything.
I'm pretty shocked--as you know, I investigated to make sure this was a safe neighborhood before I moved in. And who takes someone's clothes? Unless we're the same size, you can't use them. And if you just felt like stealing a load that included some of my underwear, you are a creepy, creepy creeper. Ew. The whole thing feels really violating.
I put a note on the dryer, and on the mailboxes in my building, letting people know what had happened and to watch out. And also to ask for my clothes back, because you never know. I'm hoping it was a mix-up, and some girlfriend had told her boyfriend to "get the clothes from the dryer" and he just got ALL of them from ALL the dryers, and they'll reappear at some point. But more than likely, I am just never seeing them again, including the new pair of pants I hadn't even worn yet.
So, here is my dilemma: I have renter's insurance, but do I file a claim? I did file a police report last night, and the officer estimated my loss at $800. My deductible is $500. I'm not even entirely sure what was in the load--a little bit of everything. I tend to go a long time in between trips to the laundry room, so we're talking pants, shirts, exercise wear, the aforementioned underwear, towels, etc. I'd come out ahead after paying my deductible, but only by $300. And my agent says this could cause an increase in my premium if I ever get homeowner's insurance.
So, Interwebs, I'm putting it to you: file a claim, or no? Have you ever had a similar experience? I'd like to hear your thoughts.