Ugh... I went to St. Augustine to photograph a friend's son's graduation and after-party. After filling about half of an 8-gigabyte CF card, I sat my 1D MkII N with my 24-70 f/2.8L on a table and stepped away to pick up a bite to eat. Soon I heard a loud crashing sound, and looked back towards the table to see my camera and lens in many pieces on the floor. One of the guests accidentally knocked it off the table. Even the off camera flash cord was broken. The only survivors seem to be the Wimberly flash bracket and the 580EX.
I'll bag up the pieces and send it to Canon tomorrow to see if they can salvage enough parts to repair it for less than the cost of new equipment. Someone mentioned an insurance policy that covers equipment loss regardless of how it happens?
Insurance companies seem to vary in their approach. My previous insurance company in the south would cover my equipment under my household policy. The company we have here won't cover my gear under household as I make an income with it.
It is my understanding some insurance companies while not cover equipment left 'unattended' so you may wish to choose your words carefully when making a claim lest they consider leaving the camera on a table and walking away from it as unattended.
Sorry about your loss. We are all too well acquainted with the sound of crashing equipment.
We get both our equipment and liability insurance through PPA. It provides the kind of coverage you describe. Twice in one day we had tripods topple with Mamiya outfits on them- once our fault and once when someone (not even a client) tripped while we were away form the tripod setting up lights. We sent the bodies and lenses to the repair shop, and when they determined that they were irreparable, the insurance company wrote us checks for each at new replacement cost. Can't beat that. We're covered for theft and damage while traveling, and the liability policy follows us when we leave the studio, even traveling out of state.
The $300/year PPA membership is steap, but after that the insurance premiums are competitive. I'd stay with them even if they were higher, simply because to date they have been such a great company to deal with. No hassles and no fine print.
Ouch! Sorry to hear that. Knock on wood, I've never had anything like that happen to me, though I did have some old Minolta SLR equipment stolen from our house many years ago.
I sympathize with you. Just got my repair quote for my F5 disaster. for $100 extra I can buy a used F5 in better shape than mine was before I dropped it. Maybe I'll just spend an extra $4000 and by a D2x It's only money, I can always make more. Good Luck with your repair!
Kelly, sorry to hear of your loss. It seems that I hear of things like this more and more. You may want to check out NANPA (North American Nature Photographers Association). It's $90 per year to join and $350 per year for $15,000 of all risk coverage any where in the world. Hope Canon can salvage your equipment.
Sorry to hear it, Kelly. You might be referring to a post I made. My agent, Stae Farm, gives me full coverage on my gear for fire, theft, flood, fumbleyness (new technical term ), whatever. YMMV, so you'll need to speak with a State Farm agent to determine if you can get coverage for breakage on a business policy.
Sorry to hear about that!!! As an adjuster, I'm very familiar with policies in N.C. I have a rider on my homeowners insurance that would have covered this loss, regardless if the camera was "unattended". I also have an endorsement that covers the equipment if used for business. You may want to check into the insurance of the person whose fault it was. My normal homeowners policy covers up to $500 (might be $1000 now, it was just changed...) for damage to property of others caused by an insured. That would at lease help you out some. Good luck!
Discussion
10 repliesI'll bag up the pieces and send it to Canon tomorrow to see if they can salvage enough parts to repair it for less than the cost of new equipment. Someone mentioned an insurance policy that covers equipment loss regardless of how it happens?
Kelly
Nathan
Insurance companies seem to vary in their approach. My previous insurance company in the south would cover my equipment under my household policy. The company we have here won't cover my gear under household as I make an income with it.
It is my understanding some insurance companies while not cover equipment left 'unattended' so you may wish to choose your words carefully when making a claim lest they consider leaving the camera on a table and walking away from it as unattended.
Dave
We get both our equipment and liability insurance through PPA. It provides the kind of coverage you describe. Twice in one day we had tripods topple with Mamiya outfits on them- once our fault and once when someone (not even a client) tripped while we were away form the tripod setting up lights. We sent the bodies and lenses to the repair shop, and when they determined that they were irreparable, the insurance company wrote us checks for each at new replacement cost. Can't beat that. We're covered for theft and damage while traveling, and the liability policy follows us when we leave the studio, even traveling out of state.
The $300/year PPA membership is steap, but after that the insurance premiums are competitive. I'd stay with them even if they were higher, simply because to date they have been such a great company to deal with. No hassles and no fine print.
Jack
Pete D.
Very sorry to hear that. I feel the sinking feeling as I type for you. I hope all works out in the end.