Responsibility for Personal Property
Monmouth College assumes no liability for theft, damage, or loss of money, valuables, or other personal effects of any student or guest caused by fire, water, steam, insufficient heat, power failure or surge, the elements, neglect, theft or the actions of a third party that occur in College housing or on College property.
Monmouth College does not endorse any individual insurance program. Students are encouraged to confirm that their property is covered by their family's homeowners' insurance or to carry personal property insurance with the protection they desire for student property. Not all homeowner's policies cover everything that students bring to school. Most companies will provide some coverage, but have limitations on certain property. Students should check with their insurance agency and request a written note on items such as electronics, jewelry, and musical instruments. Separate coverage may be recommended by your provider.
You may wish to consider CSI's Student Personal Property Protector Plus® program. CSI has created a property insurance plan especially for students living away from their parent's home, either on or off campus. Participation in this plan is optional. If you are interested in this coverage you can apply to CSI Insurance Company by going to their website at www.CollegeStudentInsurance.com If you have questions about the coverage, please call CSI Insurance Agency at 888-411-4911 or email them at firstname.lastname@example.org. Do not send your application to the College.
Request for Loss/Reimbursement
If you have damage to your personal property that you feel was caused by Monmouth College negligence, you may petition the Director of Residence Life, if the loss occurred in College Housing, or the Director of Facilities Maintenance, if the loss occurred at any other location on campus, for consideration of reimbursement. Monmouth College has the discretion to determine whether to reimburse and whether to seek additional information before making a final determination. A final determination will consider any such additional information provided as well as any failure to provide such information.
Follow these steps:
- You must first present your claim to your insurance provider within five (5) business days of the loss to determine if there is coverage under the policy. If the insurance company accepts your claim in full, with no out of pocket expenses, Monmouth College will not offer reimbursement.
- If no coverage exists and/or if there is a deductible you must complete the Request
for Reimbursement Form. The following items must be attached to the Request for Reimbursement
- A letter from your insurance company outlining the rejection and/or settlement of your claim with your deductible clearly identified.
- Copies of purchase receipts (please do not attach originals). If copies are not available, then you must provide documentation that describes the item with manufacturer name, model number, original cost estimate, date of purchase, current replacement cost, and place of original purchase.
- Digital pictures of your loss, if possible.
- Failure to provide any or all of the items specified will be considered in the College's response to a request for reimbursement and could lead to denial of the request.
- The Request for Reimbursement Form and associated documentation must be submitted to the Director of Residential Life, if the loss occurred in College housing, or the Director of Facility Maintenance, if the loss occurred in another location on campus, within five (5) business days of a response from your insurance provider. Monmouth College will make the determination whether to reimburse and whether to seek additional information before making a final determination. A final determination will consider any such additional information provided as well as any failure to provide such information.
- All requests for reimbursement will be reviewed in the College business office to determine if Monmouth College will reimburse you for your loss. Please note that the Student Scots Guide states that Monmouth College is not responsible for your loss. Therefore, a decision could be made not to reimburse you.
- If your request is approved, reimbursement will be based upon the cost less a percent depreciation of the item in question using the best available depreciation guides. Depreciation will be based on the date of purchase as provided on the sales receipt. In addition, you will be required to sign a Release of All Claims form prior to receiving any reimbursement.