wmz

I recently filed a purchase protection claim for a stolen bike ($500 value). I left the bike in front of my car in a locked garage (accessible only to residents of my 12-unit apartment building). I see other tenants storing things there all the time. There was nothing to lock the bike to in the garage. It was fine for a few weeks but then got stolen. My claim was denied since it was deemed that my "item not being reasonably safeguarded, for example, leaving it in an unlocked vehicle or at an unoccupied site."

What does "reasonably safeguarded" mean? I would assume that the locked garage would have been reasonable enough, but Amex seems to disagree. Can I appeal?

Thanks,