Beware of sneaker waves, now what
Sep 20, 2013 10:18:27 #
Bugfan wrote:
I've never insured my camera gear ever. It's cover... (show quote)
The adjuster said that i should have had a personal property policy as home owners does not cover accidents to personal property. Had the stuff been stolen, in a fire and about 10 other conditions, it would have been covered by my home owners but not covered due to an accident on my part. My agent assumed when I added a rider on my policy last year to cover my gear that I was concerned about theft when I traveled. They did say after talking with the adjuster that the initial decline because of Waves was not accurate. Go figure.
Sep 20, 2013 10:21:02 #
mfeveland wrote:
Let's see - I went skydiving, forgot to pull the shoot because I wasn't focusing, and my camera was ruined when it smashed into the ground. Hmmmm, who's responsibility is that...chkl.
In an ethical sense I somewhat agree with you. But in a practical sense, it's not a question of responsibility but what the insurance company is guaranteeing--all perils, replacement cost, what type of accident, etc.
The insurance companies have calculated their risks and use "shared risk" to cut their losses. How many of us have paid thousands in premiums and never filed a claim? The insurance companies are NOT losing money.
In the case at hand, it comes down to the definition of what is considered an act of God or act of nature. It will be in the definitions section and exclusion section in all policies.
Sep 20, 2013 10:25:28 #
OddJobber wrote:
In an ethical sense I somewhat agree with you. Bu... (show quote)
I'm sure Katrina and Sandy, to name a few, severly impact the insurance companies. If you're willing to pay Lloyds, I'm sure they will cover you for everything, but at what cost.
Sep 20, 2013 10:37:22 #
mfeveland wrote:
Let's see - I went skydiving, forgot to pull the shoot because I wasn't focusing, and my camera was ruined when it smashed into the ground. Hmmmm, who's responsibility is that...chkl.
You are blessed that you have never had an accident and that you have enough money you don't need insurance to cover the loss in the unlikely event that you ever do. Good for you.
Sep 20, 2013 10:47:49 #
wowbmw wrote:
you have a point but accidents do happen and that is why insurance companies are in business.
The workshop leaders did caution us numerous times and watched us while we were shooting. This accident was totally my fault as was the choice of coverage or lack there of. Hind site being 20/20 I could have done things lots better. Hope this post and all the gracious comments and suggestions helps the next person. What I would like as far as any additional feedback is what to do with the body. Sell for parts? Send it to Canon for evaluation/confirmation or??
And, I am very grateful that I was not injured. It would be hell to spend my retirement disabled or dead. I love photography and intend to keep at it but much more cautiously.
Sep 20, 2013 10:50:23 #
Elliern wrote:
You are blessed that you have never had an accident and that you have enough money you don't need insurance to cover the loss in the unlikely event that you ever do. Good for you.
I'm not blessed, that's for sure. I'm just a responsible, realistic person, who was brought up to except the consequences of my own actions, or inactions, and not to depend on, nor expect, someone else, or company (unless I'm willing to pay for it), to bail me out.
Sep 20, 2013 10:56:39 #
I've had several bouts with saltwater wetting my camera equipment over the years and there is no reprieve for the equipment. It's toast. As for the lens being rehabilitated I think that if you get it to a shop soon enough they can disassemble it and purge the metal parts of the salt before too much corrosion has occurred but its not a inexpensive operation and may not even be successful as far as it working perfectly after the clean-up. On the bright side, here's your chance for upgrading your equipment.
Sep 20, 2013 11:00:48 #
rrforster12 wrote:
On the bright side, here's your chance for upgrading your equipment.
Did yu read what wowbmw lost? :shock: I think all we can offer is sympathy. :-(
Sep 20, 2013 11:26:54 #
OddJobber wrote:
Did yu read what wowbmw lost? :shock: I think all we can offer is sympathy. :-(
You are right about that but I did purchase a replacement for the sigma macro with the Canon 100 L IS Macro. Wanted that anyway. Chose the IS because I do handhold for environmental type portrait work. Should be here along with my replacement 5D Mark lll sometime next week. Count me fortunate that I can do this. It's all about priorities and I am totally spoiled by that camera body. Add me to the list of waiting for the brown truck to arrive.
Sep 20, 2013 11:54:24 #
SharpShooter wrote:
Not to mention the water is darned cold in Oregon !!
If you were attending a workshop put on by a pro, you should have been heavily cautioned about such waves. Also check to see what insurance the pro may have had for the participants.
At least YOU are ok, it could have been much worse. SS
If you were attending a workshop put on by a pro, you should have been heavily cautioned about such waves. Also check to see what insurance the pro may have had for the participants.
At least YOU are ok, it could have been much worse. SS
Read this well. I agree completely. :thumbup:
Sep 20, 2013 11:56:30 #
donrent wrote:
From what I've learned, what your Insurance told you about waves is a lot of crap....
Insurance will come with exclusions. Always ask what those are. Some will not cover water damage.
Sep 20, 2013 12:15:37 #
Musket wrote:
Insurance will come with exclusions. Always ask what those are. Some will not cover water damage.
When I signed up with State Farm, I was told I would not be covered by a flood. Every thing else was covered.
Just a note the last notice I got from them stated, If my car was in an accident it wouldn't be covered unless I was was driving. Note that my wife both drive. I'm still waiting for clarification. Seems they can right the rules as they go.
Sep 20, 2013 12:26:01 #
Sorry to hear about your mis-hap. Wow, I have State Farm also. I will have to look into that since I take my camera gear the beach and lakes. I've been with State Farm a little less than you and I just did a claim cause my laptop dropped off the table at the airport where they do the x-raying. They told me that the first claim and second claim would not effect my rates, but a third claim would differently effect my rates. I would really push this issue. Like you said, this was an accident, not a natural disaster. That is what you bought the insurance for.
wowbmw wrote:
Yes, I have homeowners insurance and the agent sen... (show quote)
Sep 20, 2013 12:35:53 #
That's why we buy the insurance, to cover our butts on the stupid stuff we do. If we knew we would never do stupid things we wouldn't but the insurance.
mfeveland wrote:
Let's see - I went skydiving, forgot to pull the shoot because I wasn't focusing, and my camera was ruined when it smashed into the ground. Hmmmm, who's responsibility is that...chkl.
Sep 20, 2013 12:40:32 #
OddJobber wrote:
You were lucky. Just a word of advice to coastal visitors. Every year several people are killed by sneaker waves carrying large logs and such. Always be alert and keep an eye on the waves! But then, we don't get the tornadoes like Colorado.
Good advise! I used to be an avid fisherman, especially from the rocks. The first lesson was to never turn your back to the ocean, even if it seems calm. People get washed off the rocks and jetties here in California every year. Oregon and Washington are even more dangerous. You're lucky you escaped uninjured.
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