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| p.2 #4 · Worth filing an insurance claim? |
Our Canon 70-200 f/2.8 IS mkI lens recently fell and shattered during a wedding shoot.
It's insured under our policy, and it looks we may be able to have the insurance company replace it after we pay our $500 deductible, but I have no experience with insurance claims.
Should I expect to see a significant increase on my payments after I file a claim? The lens is worth $1400 (so $900 after deductible)
Also, the cause of the fall was due to the wind knocking over a tripod (it was a rooftop shoot at the top of a tall building). My insurance company is not being forthcoming with whether this cause is covered.
Also, Canadians: Do you have any insurance company recommendations?
A couple words of advice.
1. Like the IRS (though I know you happen to be Canadian), never divulge any information you aren't asked to provide. If the insurance company asks why the lens broke, you tell them it fell. If they ask you how it fell, tell them the tripod it was mounted to was accidentally knocked over. If they ask you how the tripod was knocked over, tell them the wind blew it. Getting to the tall building part or anything that might not be covered would be like 15 questions down the list! In this case, you should certainly be covered unless the policy specifically prohibits which locations gear is not covered.
2. I doubt you would see a "significant" increase in your premiums after filing a claim, but there will probably be an increase of a few percent over your current premiums. You still come out well ahead now, however, as you get to replace a $1500 lens for 1/3 the price.