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W4XKE
09-02-2007, 01:32 PM
I recently had a lightning strike here and several pieces of my gear was destroyed and damaged. #I sent one unit out for evaluation to an authorized repair service that is only 130 miles down the road. #It was double boxed, wrapped in bubble wrap and surrounded by 3 inches of foam and marked “FRAGILE.”

My homeowner’s policy was covering the cost since the loss had exceeded my out-of-pocket deductible. #A few days after it was shipped, the repair service called:

“Sir, we received your radio today and wanted to let you know the case is smashed. #I’m sure you didn’t send it that way because it was so carefully packaged. #We all remarked at how big a box it was in. #Let us know if you want to file a claim with FedEx or if you still want us to try to fix it.”

I drove down to the shipping office and explained what had happened. #They told me,

“Well even though it was insured, you will need to provide proof of its actual value and the age. #You can do that with a copy of the original purchase receipt. #That value will be depreciated by the age of the unit. #Also, if we determine that it wasn’t packaged properly, we won’t be held responsible. #We’ll have one of our trucks to pick it up and take it to a center to be appraised.”

Naturally, I no longer have the receipt and the radio is no longer a current production model. #The best “proof” of value I could come up with was a printout of a few completed eBay auctions. #Is this "proof?"

I haven’t heard back from FedEx lately and have no idea how much (if any) value they intend to place on my radio. #I can’t turn in the claim to my homeowner’s policy until I complete the claim from the FedEx evaluators. #This whole thing has become a complicated mess. #I wish I’d have just put it into the car and had driven it over to Nashville myself.

Next time it thunders, I’m disconnecting everything that has a wire on the back of it! #

Johnny

WA9SVD
09-02-2007, 02:06 PM
The first line of defense is to protect your equipment from lightning damage, and disconnecting cables, etc. isn't always a guarantee.

Second line of defense is ALWAYS keep receipts until a year (or a century?) AFTER all transactions are completed to your satisfaction.

Contact your insurance agent. Since the repair facility has confirmed the equipment was properly packaged, you have a good chance of success, and if damage occurred in transit, the insurance company should help achieve a proper settlement.

Contact FedEx corporate directly. IF (big qualifier) you insured the package for a reasonable amount, they should cover the package for that amount, not apply some "depreciation." But if your rig was $1000 new, and current ePay prices are about $500, and you insured it at the lower value, that is all you would get from FedUps if the unit can nopt be repaired.

Consider other insurance in the future. While the insurance through the ARRL may not be the cheapest way to go, it's usually better than most "homeowner" policies, even if they allow "riders" at additional expense. But it's INSURANCE, not an investment. If I insure my 10 y/o HF radio ($1200 new, probably $350-$450 on ePay) for replacement value (of an equivalent, current production model) for $1200, I have to pay a premium based on the $1200, but If I have a claim, the insurance will pay for repair or replacement up to $1200. (No, they won't pay the full amount if I want a $10,000 'replacement.")
If I had to rely solely on "regular" homeowners insurance, any Amateur equipment I own would be subject to depreciation, and electronics are depreciated to ZERO in 10 Years or less. (So by homeowner insurance standards, my 10 y/o transceiver would be worthless.) Some electronics depreciate in as little as 2-3 years, so it's something for everyone to check, BEFORE they need to make a claim.


But your insurance should help out with damage caused by the shipping company.

ka5piu
09-02-2007, 03:33 PM
Hello.

Correct, consumer electronics has a 3 year writeoff on most policies in Texas.
One guy decided to challange that, stating his equipment was in the professional class, and filed a complaint with the insurance board.
The state board hit him with a fraud charge, as he has a residential policy.
It was all cleared up, after about $2000 to a lawyer and a few visits to a courtroom.
What he did was to also ship something in for repair, and file a claim on his homeowners insurance as well as shipping damage, and a few other things.
The funny part? he works for FedEx, as a package handler, at the airport.

W4XKE
09-07-2007, 02:04 AM
The saga continues (sigh). FedEx still hasn’t responded back but the authorized repair shop called today and wanted to know why FedEx has delivered my radio back to them for the second time (after taking it away for evaluation). I called the shipping office and they said they’d have FedEx pick it up and bring it back here again.

Then I called Farm Bureau for a status report on my homeowner’s claim (lightning damage) and they said they had no knowledge of it. So now we start again from the beginning. I believe part of the problem is living in Tennessee. (?)

Nobody knows the trouble I see. Nobody knows my sorrow… trying to salvage my radio from acts of nature and incompetent fools. (Singin’ the Blues)

Johnny
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