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The "any peril" insurance covered my flood. State Farm covered the loss of my Nikon D2Xs and repair of my Subal ND2 housing. If I had an inflation cost rider they would have covered a D3s replacement since the D2Xs is no longer made. The policy covers replacement if the item is not repairable, so they covered the rebuild with replacement of the electrical parts of the housing. I am pleased with State Farm's coverage and they were professional in the treatment of my claim.

 

In retrospect I am sure the flood was operator error, assembling my rig with only a few hours of sleep was the culprit.

 

I've picked up another D2Xs body to use until uncle Nikon comes out with a D700 or D3X replacement, then it will be time to help our economy.

 

Elmer

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Something I have come to learn:

 

When choosing insurance options, in addition to plan cost and deductibles, one must also consider the cost of responsiveness and resolution time. Being without your gear for months might necessitate renting equipment, buying new equipment, event and trip cancellations, maybe even loss of gigs.

 

Insurance is supposed to be about buying peace of mind, not supposed to add stress and worry into your life.

Edited by Marjo

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When a housing floods, does it do that much damage to the inside of the housing. I would expect to have to change the bulkheads and the wiring for the leak detector, but would everythibng else not be ok once it had had a good soaking in fresh water. Obviously the camera and lens will be kinda Kaput, but would they not be insured on your home contents insurance. You dont have to tell the insurance that it was in a housing that flooded. Just tell them that you were taking some beach pano shots and your tripod collapsed and it fell forwards into the sea. I know this isn't very honest, but come on insurance companies make a killing from us all and it isnt as if we are being that devious. After all we are paying a premium for the body and lenses.

 

I have my gear insured for anywhere in the world for theft, ACCEPT, and this is a nasty one, ACCEPT when it is not in my possession, so if it is checked into checked baggage and it gets stolen, then I am not able to claim from my insurer. This is the same with most policies and unless you ask specifically or magnify those "small print" T's and C's you will just assume that it is insured when you check it at the airport. If I am unlucky enough to drown my rig then I will just use the tripod collapsing event on my claim form. I will try and clean the housing as much as possible on surfacing and expect to replace the wiring.

 

Try and claim from your chosen airline, and they will tell you it isn't their fault and that you need to speak to the baggage handling company, who will then direct you back to the airline. Then you will get a set of T's and C's from both the airline and the baggage handling company and then you will find out that they have a maximum cost for each specific item. Oh and usually electronic goods are not insured and that you are supposed to carry them on with you. Even though they do not give passengers enough hand luggage allowance.

 

Insurance is a great thing until you come to claim that is.

 

Stew

Edited by stewsmith

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Insurance is a great thing until you come to claim that is.

 

Stew, you are so right! I am wondering why I even bother with insurance of belongings anymore. I don't think I want to live through another claim where I am without gear for close to two months, cancelling trips and gigs, worrying and dealing with non-responsive insurance company, while gear is sitting at the repairshop untouched corroding away because nothing can be done until sloth-paced insurers have exasperated every bureucratic possibility of finding an excuse not to pay or wearing you out, making you wait... and wait.... and wait... They sell you on "peace of mind", but when push come to shove, nothing works as smoothly as you are made to believe when your credit card is being charged (that bit you don't have to wait for, it happens automatically and not one day late).

Edited by Marjo

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Stew, you are so right! I am wondering why I even bother with insurance of belongings anymore. I don't think I want to live through another claim where I am without gear for close to two months, cancelling trips and gigs, worrying and dealing with non-responsive insurance company, while gear is sitting at the repairshop untouched corroding away because nothing can be done until sloth-paced insurers have exasperated every bureucratic possibility of finding an excuse not to pay or wearing you out, making you wait... and wait.... and wait... They sell you on "peace of mind", but when push come to shove, nothing works as smoothly as you are made to believe when your credit card is being charged (that bit you don't have to wait for, it happens automatically and not one day late).

 

That's why you buy trip cancellation insurance. Yes the process is slow but it beats trying to buy a whole new set of gear without any compensation. I drowned my Camera in a dunk test and they took 3 mths to pay. I could afford to buy new gear while they deliberated but when the money finally came, I'd already had my replacement.

 

H20insurance from DAN (US/CAN only) covers quite a few things. My homeowner insurance + travel insurance covers my stuff to a point but I now buy specific insurance for equipment. DEPP replaces gear at their cost, while H2O and other insurance pay cash, which is nice if the camera is no longer manufactured.

 

If it costs about 2-3% a year of the value of the equipment to insure them, I think it's worthwhile... especially for those who travel a lot.

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Trip cancellation insurance doesn't really work for me since for 99% of my diving happens in my backyard. DAN unfortunately doesn't insure in the Virgin Islands and DEPP, whom I have insured with since 2004, is slower than molasses. I am thinking I will start a little insurance fund of my own, because having your gear sit at the repair-shop for over a month while waiting for someone at DEPP to answer your phone calls or emails just doesn't work for me anymore.

Edited by Marjo

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My cup runeth over. I have now sought advice from the department of insurance.

Edited by Marjo

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This is off of the Virgin Atlantic website.

 

It is important however that you pack valuable or fragile items such as jewellery, keys, money/credit cards, cameras, laptops and other personal electrical items in your cabin baggage allowance and keep it with you at all times. If you decide to pack them in your checked in baggage you should have them adequately insured as our liability for damage to these items is strictly limited.

 

Stew

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My insurance company has now started to communicate again with a new person handling teh communication, so for now I will not say anything but give them a chance to to their thing and see how they handle it. I miss my gear tho and hope it will all be back really soon.

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H20insurance from DAN (US/CAN only) covers quite a few things.

Canada is not covered; I wish that it was.

 

Cheers,

Marli

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Canada is not covered; I wish that it was.

 

I wish my area was covered by DAN/H2O as well. I talked to them last week and I was really impressed by their fast response (they answered the phone on the first ring), their friendly and knowledgeable customer service representative and their very clear information. It is quite apparent that there is a market outside the 50 US states for a company that offers this type of good service. I wouldn't be surprised if we saw that void being filled in the not so distant future.

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In one week it will be exactly 3 months since I filed a claim with my insurance broker. I still don't have a resolution, despite numerous calls and emails and every effort to provice the insurance broker with any and all information they might want and need.

 

If you are about to insure your u/w photo gear or renew your insurance, ask yourself if in the case of a loss you can live without your gear for several months while waiting for the insurance company to process you claim and if this service is worth paying for.

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Sorry to hear your having a bad time Marjo. Really hope it all works out.

 

As an aside I thought I'd test the system with my State Farm policy. I managed to drop and break a 70-200 f4 that was listed on my personal all perils policy. I cracked the case so I called last week and the check arrived to replace it today. It's nice to know the system works if I need it.

 

Good luck,

Steve

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I cracked the case so I called last week and the check arrived to replace it today. It's nice to know the system works if I need it.

 

One week turnaround to resolution: Pretty strong argument for the State Farm option.

 

In my case "self insuring" would have probably been less costly than renewal of my dedicated equipment (possibly protection) insurance.

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Hey guys, I'm a newbie here.

 

I've just relocated to Indonesia. Do you guys know any insurance company in Indonesia that will take care of my camera equipment?

 

Thanks,

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This weekend it will be 4 months since I filed my claim, no resolution, they just say they are still investigating.

Edited by Marjo

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Hmm, looking at getting flood insurance, thinking about what really needs to be covered. I guess I'll go with the DAN policy as it make the most sense; I do fall under the professional rating, not that I sell many shots, but I sell the gear.

 

Usually all my gear rolls on with me on the plane. I'm really more worried about accidental floods, so I'm thinking about only insurance the camera and lenses. The housing isn't really going to be hurt. Even strobes are sort of a low payoff idea.

 

Any thoughts?

 

Jack

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Jack,

 

I am not with DAN, but from my painful expereince I would say this: Be very sure to have something in writing about how long the insurance broker/agent can sit on your claim. Also, make sure that you get the information on who is actually the underwriter and contact information for then so you can contact the adjuster. Also seek some guarantees on communication turnaround and methods. Also find out about how a long-term relationship with the insurance broker/agent will affect you, i.e. is there any point in renewing and paying for the policy after you have had claims. I know DAN does answer their telephones and they are open about who is their underwriter and how to contact them, but apart from that I really can't say much about them, except that I have hear good things about them. Personally, I will henceforward selfinsure and have advised the company I have been with since 2004 to not renew my insurance.

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Usually all my gear rolls on with me on the plane. I'm really more worried about accidental floods, so I'm thinking about only insurance the camera and lenses. The housing isn't really going to be hurt. Even strobes are sort of a low payoff idea.

 

Any thoughts?

 

I was thinking of doing the same thing Jack but finally decided that the biggest risk to the housing was getting stolen or lost in luggage. If you can always carry it on I can see maybe not insuring it. Might ask them to bid your coverage both ways and see if it's worth the risk.

 

Cheers,

Steve

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Anyone else has noticed this:

 

Reading the DEPP insurance policy, there is no mention in the policy of a company name. There is no mention of the broker (Innovative Programs Group) nor of the actual underwriter of the policy. At least my policy only contains the words "we" and "you", no other references.

 

Perhaps I am the only one who was sent a "policy" like this, who knows. Anyone who happens to have a DEPP policy with Innovative Programs Group, can you check your policy and see if this is the case with what they sent you as well?

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5 months since I filed my claim, still nothing...

Edited by Marjo

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I have tried to send email to ipginsurance.net (Dwl@ipginsurance.net and info@ipginsurance.net) today and the emails bounce back with a 550 #5.1.0 "address rejected" message for both email addresses. Email to awryinc.com still appears to go through but I haven't received replies to those. Anyone knows what's going on?

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After much effort I managed to get a reply saying that @ipginsurance.net is no longer valid but to send communication to @ipginsurance.com instead. So update your files. Still not feeling any better about this.

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Today marks 6 months, half a year, since I submitted my claim. Still don't have a replacement or check.

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Hi All

On October 4 I posted an inquiry about new insurance options for my gear. I was a DEPP customer at the time and concerned about their communication about limiting aggregate losses to $1000 (including airline loss/damage). I want to thank those that responded with ideas and options.

 

I'm still working on finding a new carrier. What I wanted to report was the experience I had with DEPP that convinced me to drop their coverage (and be happy that I did...).

 

In August (prior to my post) I took a spill in the surf and put a big gouge in the middle of my Zen mini dome port. I submitted the claim to DEPP and heard nothing from them. In mid -September I reminded them that I had submitted the claim, and was told at that time that it would take 30-60 days to process the claim. The amount of my claim was $350 to replace the port glass. When I asked them why it would take so long, I was told about decline in revenues and increasing claim costs. I replied that I thought that this amount of time was excessive, and that I was concerned (as were many) about the upcoming changes to the DEPP policy. My message was forwarded to the president of the company (Deanne) and I began what I thought was a productive dialog with Deanne about insuring underwater equipment. I referred Deanne to Wetpixel and he gave me his email and said he was amenable to feedback from members of this group. I posted his email address in my October 4 message.

 

What followed was simply a disaster. There was no movement on my claim at all and my emails went unanswered. As I was leaving on a trip in October, I had the dome repaired at my expense and I elected to not renew my policy with DEPP (my renewal date was November 1), figuring that if they were unable to follow up on a $350 claim, they would certainly be no better with a more expensive one. When I returned in late November, I still had no communication from them. In early December I sent Deanne a message asking if he intended to take care of my claim from August. He replied a few days later that my message had made its way into his "spam" folder and that he would check into it. And then nothing. In late December I had had enough and sent an email saying that if I didn't hear from them within 10 business days I was submitting a complaint to the department of insurance. That got a (nasty) response, but a response nonetheless. But then nothing again. I resorted to sending an email every week asking for an update, and I either got no answer or vague answers [1/25: "Mr. Trone: Your claim is now authorized and in the queue for payment."; 2/11: "You are first on the list of non-current customers to be paid."]. I sent another email on Sunday, February 12 giving them 10 business days to make a payment or I would file a complaint with the department of insurance. On Monday February 14 I received an email stating my check was going to be mailed that day. My check arrived February 28.

 

My experience with DEPP was truly appalling. I am sorry that others seem to be having the same problem I did (Marjo...). The only suggestion I can make with regards to DEPP is to not give up, and if there continues to be no movement on your claim, file a complaint with the department of insurance. I may still do this, even though my claim is settled, because there was no reason at all why it should have taken them over 6 months to settle a $350 claim (or any claim, for that matter).

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