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Well good luck to you on the insurance part. I had my camera equipment DETAILED with my insurance company. I insured 15k for ALL of the equipment...that was actually more than I had but the difference in premium from 7500 to 15k was about $12.00 per year or so...
Anyway, ALL of my equipment was stolen on AUgust 31 of 05 while I was on a hunting trip. I reported it to the police...made the report to the insurance at 8:00 the next morning...HAD EVERY SINGLE RECEIPT....down to a $6.99 lens cleaning cloth...I submitted ALL paperwork the day it arrived certified mail...
Whats the status...they are doiing EVERY thing in their power NOT to pay...I have had to make 2 "under oath" statements on the phone...then 2 weeks ago, I had to sit in front of an attorney at a "deposition" of sorts. He grilled me for 2 1/2 hours...I guarantee they are trying to find some type of "technical" reasons not to pay.
What I took away from the meeting is that because I had about 5 lens (from a $75.00 50mm 1.8 prime to a $2000 70- 200mm 2.8 IS) they are trying to say I am a PROFESSIONAL and pro equipment would not be covered by homeowners insurance...
Its been 3 1/2 months since the incident and I am no closer today of getting reimbursed than I was 2 months ago...
So when I replaced my equipment, I took out a seperate policy for commercial use that will eliminate this problem should it happen again ( Bobby G is knocking on wood, fingers crossed etc.)....GOD forbid...
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Wow! That totally f-ing sucks!! [img]/ubbthreads/images/graemlins/mad.gif[/img]
Mind if I ask which insurance company that is..??
By any chance, do they advertise how helpful, friendly, and quick they are with claims on the TV or radio..? [img]/ubbthreads/images/graemlins/mad.gif[/img]
Hell,...if you are not doing this as a professional, but as a hobby, then I can't see why they wouldn't live up to their obligation,....and it appears that they are trying to set up a case for insurance fraud based upon what you stated here.. un-believeable!! [img]/ubbthreads/images/graemlins/mad.gif[/img]
....Ok.....and IF you want to do anything about this, you have to retain an attorney, and he will cost you more money than you already lost by the punk who stole your equipment!! [img]/ubbthreads/images/graemlins/mad.gif[/img] So, in essence, you got jacked twice! Once by some low life bumb theif, and second by this insurance company, simply because you have nifty camera equipment, that happens to be used by some professional photographers! [img]/ubbthreads/images/graemlins/mad.gif[/img]
Sooooooooo....under that absurdity, they can claim that ANY f'en camera is considered a "professional" camera, which automatically makes you a "professional", even if you aren't, because I happen to know professional photographers who have used cameras classified as non professional consumer cameras, in their professional use!! ..eg, Polaroids, point & shoots..etc..
My friend, I believe you are the victim of insurance fraud by that company who supposedly insured you! Maybe you could ask for a refund from them eh? ....like that will ever happen.. [img]/ubbthreads/images/graemlins/mad.gif[/img] !!!!