Well after yesterdays' flash flood and the damage it caused,I made a call to insurance company,I knew what to expect-not much hope,but out of the six
claims I thought I might at least have a chance with one.
It appears not so so,every time I mentioned the damage and gave a report,they turned and twisted quicker than a brown snake on a hot summers' day (remember sun
)
While the damage and issues was not life changing,after paying $250 a month for over 12 years,I'd have thought they would cover some damage to antique furniture in workshop,only to find,that antique furniture is not covered,but valuables are-go figure!
Also timber was not covered.(this was Brazilian Rosewood 3 K a cubic metre)There was another shed I'd been paying storm damage on,but they did not cover the storm damage because of the way the shed was built,now what really annoys me is they came out to this shed to physically see it with there own eyes,and I was very specific in my questions to the insurance chap,well that insurance on that shed has been cancelled.
Really,time to do some very important homework on how mu camera gear and telescope gear is covered,if at all.
Here is a tip I just recalled,a chap I use to know,had his shed burnt down,and when he put the claim in of the contents,the insurance said there was no way he could have that value in the shed,well this chap had photos,not only that,he had a couple of those cheap aldi PS cameras,and every few months would take images of his gear.
He won,and they even got the daughters' 'barbie doll collection' replaced,along with his army collectables.The chap was in Vietnam war and a forward scout,and really knew how to think ahead.
So there is a good tip,we all have access to cheap PS,and large cards make simple back up to images stored elsewhere,and kept up to date.
Bit of a bummer all this rain,and insurance not really worth what we pay.
Chris