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Forum topic by poopiekat posted 02-09-2014 02:55 PM 2448 views 0 times favorited 58 replies Add to Favorites Watch
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4384 posts in 3906 days

02-09-2014 02:55 PM

Topic tags/keywords: stolen

My 4 yr old snowblower was stolen from the repair shop. The shopowner handled all the insurance and police stuff. The insurance company sent a check to him, which was for my original purchase price minus 10% per year depreciation. ( it’s 4 yr old = 40%.. ouch!)
My question is: Is this check mine? He wants to give me a replacement unit which is about the equivalent value (in his opinion) but it is a older machine. On the upside, it has a B&S motor, mine had a Chinese Honda knockoff motor. This replacement is bigger, in width and hp.
If you’ve been through this type of incident, how are things supposed to go? I should probably insist on grabbing the check, but I really don’t want to slap another $500-$800 with it into a new machine. Suggestions, guys? I want this all to go down as drama-free as possible, without getting scrawed.

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!

58 replies so far

View Monte Pittman's profile

Monte Pittman

29953 posts in 2509 days

#1 posted 02-09-2014 03:27 PM

Check is yours. You decide what you get not him.

-- Nature created it, I just assemble it.

View SpindleMaker's profile


27 posts in 1881 days

#2 posted 02-09-2014 03:30 PM

+1 for Monte

-- Every man is a damn fool for at least five minutes every day; wisdom consists in not exceeding the limit.

View poopiekat's profile


4384 posts in 3906 days

#3 posted 02-09-2014 03:31 PM

Wow, I’d hoped for an expert opinion, and I got it!!! Thank you Monte!

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!

View littlecope's profile


3071 posts in 3673 days

#4 posted 02-09-2014 03:35 PM

Sounds to me like the Check is yours my Friend, but I would take the machine!
For example, our Vehicle got grazed by the Plow Driver this Winter, and I received a check for damages… which promptly got given to the Collision Center to get it fixed… It was a no gain, but no loss deal…

-- Mike in Concord, NH---Unpleasant tasks are simply worthy challenges to improve skills.

View TheDane's profile


5534 posts in 3834 days

#5 posted 02-09-2014 03:40 PM

Take the check and buy an Ariens snowblower … American made (in Wisconsin) with B&S engines.

-- Gerry -- "I don't plan to ever really grow up ... I'm just going to learn how to act in public!"

View NoLongerHere's profile


893 posts in 2847 days

#6 posted 02-09-2014 03:45 PM

hold up now guys…. not so fast.

he paid for the insurance and he will pay the increase in premiums next year. The check is written to him.

Now, you deserve to be reimbursed and made whole again. You can have a conversation and barter to the point where there is a meeting of the minds. he can’t force you to take the older snow blower anymore than you can force him to turn over the insurance check.

It’s just and offer. If you feel the older unit isn’t quite a fair trade, then barter…. ask for a little money too.

Or say no thank you. I would like a better unit. How about taking a cash offer and You come up with a little money and go get yourself a brand new TORO? Now there’s an idea. Snow blowers don’t last that long anyway.

WORK IT OUT. He benefits either way. you are using it on his property, right?

just a counter point guys…all ideas need to be considered.

fyi – when you get older, you remember every god damned bridge you burned. life is mighty short, turns out.

View poopiekat's profile


4384 posts in 3906 days

#7 posted 02-09-2014 04:11 PM

Thanks for the great replies!
This would have been easier if the snowblower was stolen out of my own garage.
More difficult to negotiate with two parties involved instead of just one.
Being the entrepreneur that the repair guy is, it’s logical to assume he’d try and make a little $$ off my misfortune.
The big issue is to be standing in my driveway with a check in my pocket, and no snowblower. In my mind, I could take the check, add an equivalent amount of cash to it, and get a nice Ariens or Toro (great suggestions, guys!). But at the end of the day, my bank account would be like as if the thieves simply withdrew the money themselves.
At the end of the day, I either wind up with an older snowblower of unknown overall condition, or pay more money to have a snowblower of choice in the shed, which is what I had in the first place.

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!

View distrbd's profile


2252 posts in 2618 days

#8 posted 02-09-2014 04:42 PM

Older used snowblower equals worn out parts like belts,traction clutch,gears, you know you ,having reliability is crucial with snowblowers,when you need it you really need it.
I think Gerry(the Dane) nailed it,Areins is a great snowblower, you’ll have a reliable machine for many years to come.

-- Ken from Ontario, Canada

View bowedcurly's profile


519 posts in 1900 days

#9 posted 02-09-2014 04:46 PM

the snowblower was yours you paid for it, you also pay insurance “in case of” so the money is yours to replace or do whatever

-- Staining killed the wood<<<<<>>>>>Dyeing gave it life

View PittsburghTim's profile


232 posts in 2493 days

#10 posted 02-09-2014 04:47 PM


I have a 2-stage Ariens and think it’s a fine machine. I’d pay a few extra bucks for the Subaru Robin engine though. After trouble with fuel systems on a few B&S engines, I made the switch. Five years now, zero maintenance needed. I treat the fuel with Stabil. At the end of the season, I just shut the fuel valve and let it run until it stalls. The next season, I add some fresh gas and go.

It seems to me as though the safe bet would be to get the cash and get a new model. At least then you should have many years of trouble-free use. If cash is tight, ask for some warranty on the used model being offered.

Good luck,


-- She asked me, "Who are you going to please with that?" I said, "Me."

View longgone's profile


5688 posts in 3480 days

#11 posted 02-09-2014 04:53 PM

Your old machine was in his care and trust when you brought it to him and he should make you a satisfied customer..

I know nothing at all about snow blowers but if you want to accept the replacement unit he is offering you should ask that he provide a 100% parts and labor warranty for however number of years you think is fair.

This means no additional out of pocket expense for you and if it does need repair it is cheaper for him to fix it.

View Tedstor's profile


1678 posts in 2804 days

#12 posted 02-09-2014 05:04 PM

I’d say “Thanks for the offer, but I’d rather have the cash”.
Besides, HE should be asking YOU what the appropriate remedy should be.

View HerbC's profile


1790 posts in 3031 days

#13 posted 02-09-2014 05:36 PM

+1 to Greg’s advice.

Remember, you’re not the one who paid for the insurance and dealt with the insurance company and police.

He’s been “made whole” by the insurance company and now he’s trying to do right by you. Get a WRITTEN contract that spells out the circumstances, what he’s giving you physically, and what assurances he’s giving you that the unit will operate satisfactorily and reliably for a specified period of time.


-- Herb, Florida - Here's why I close most messages with "Be Careful!"

View hobby1's profile


344 posts in 2469 days

#14 posted 02-09-2014 05:44 PM

The 10% deffered price reduction is his insurance claim to him, however as retribution to you, shouldn’t he owe you the full price of what you paid when you purchased it, showing him your receipt, then bargan with him according to your conscience, of what your willing to recieve from him.

View Tim's profile


3812 posts in 2133 days

#15 posted 02-09-2014 06:20 PM

This is an interesting one. I don’t know exactly how theft claims and insurance work in Canada, but here is my best guess. You don’t have an insurance claim, the repair guy resolved that with his. You have a contractual/business relationship with the repair guy. He needs to be able to replace the machine that you brought in to him or give you what it was worth. You should get out of the deal whatever you think is fair, but not worth more than the machine you brought in. I wouldn’t take the check unless you were planning on upgrading to a new one anyway or if you can’t work anything else out. If he doesn’t have something else to offer as a trade, then Greg’s idea is great. This is a repair shop after all. They should have a pretty good idea how the machine will work and be able to back up the warranty. If they won’t consider the warranty, consider that a good sign you don’t want that machine.

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