TF (tortillafactory) wrote in little_details,

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Questions relating to a library insurance investigation

Setting: Present-day small town America.

Search terms: "library revenue," "how do libraries make money," "privately owned library," "insurance investigation," "insurance investigator"

In this story, a woman owns and runs her own library. It is open to the public, but privately owned (obviously). I gather that such libraries exist, but I am curious about the details of how they make their money, whether or not they are eligible to receive public funds, and anything else that might come up if the owner were being questioned by an insurance investigator. Most of the information I can find refers either to public libraries that are mostly run by civil servants, or libraries that are privately owned by large organizations, neither of which helps me much.

Now on to the insurance investigation itself. The library is broken in to, a small amount of money is stolen, and some property is destroyed. An insurance claim and "investigation" ensue. (The "investigator" isn't really, as it turns out, but that's another matter.) What I need to know is:

1. Are there any special criteria that would lead to an insurance company investigation in this case? Is there a dollar amount, or would the odd circumstances (an almost motive-less robbery in this case, the library wouldn't have had much cash on hand and nothing valuable in it) be enough? The claim would just be to replace some furniture and a broken door.

2. What are questions an insurance investigator definitely would - and definitely wouldn't - ask? I'm particularly curious if there's anything you might THINK they would ask, but that they most definitely would NOT ask - in case I want my impostor to slip up.

Thanks in advance :)
Tags: usa (misc), ~insurance, ~librarians & libraries

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