Insurance Question

[gregf]

<p>First, I'm not a professional, but this seemed like the best catagory to post.</p>

<p>I just contacted by insurer, they indicated for camera equipment to be covered, anything over a year old needed to be appraised and that less than a year a receipt would do.</p>

<p>Who do I find than can appraise? I have a thorough spreadsheep listing equipemnt, S/N, model number, date purchased, price purchased, retailer, etc...</p>

<p>The only place in Atlanta that I could think of is KEH, but I don't know if they offer that service.</p>

<p>Any and all help is appreciated. Thanks</p>

[don_cooper]

<p>Any camera store is usually an accepted source for most insurance companies. They'll usually do it for free if you're a customer, or for a small fee id you're not.</p>

[jamesgysen]

<p>I am going through the same process right now and found out a couple of things. While almost any store in my area will appraise for 'replacement cost' (current market equivalent for older gear), not everyone will actually give you a dollar value for the equipment itself which is what the insurance co. wanted. For that I had to track down a specific used camera store in my area and for $25 CDN they would do the appraisal. </p>

<p>I suggest you confirm exactly which dollar figure your insurer wants and just query the local shops in your area - if they don't do it, they'll know who does.</p>

[gregf]

<p>The problem I have rin onto, is that my home owners insurance requires a written appraisal for anything over a year old, less than a year, a receipt is acceptable (I can pull a print off for any purchase, and a warrenty card for larger purchases). KEH does not provide the service, and nor do they no of anyone locally who does. It seems that many on the web, want to include liability insurance on a policy thus making it a business policy, not a rider to my renter's insurance.</p>

<p>I guess it may be time to look for a new renter's policy.</p>

[jamesgysen]

<p>Interesting. I had to go to a small Mom&Pop camera shop to get mine done (had a bit of a Pawn store feel to it IMO), as you have run into, none of the big store names would do it. Not sure what makes one qualified to appraise camera gear. </p>

<p>The insurance rider is well worth the hassle. Keep up the hunt and maybe look to some of the surrounding cities if you happen to be going on a trip soon. </p>

<p> </p>

[david_henderson]

<p>Have you considered asking other insurers if they want this degree of substantiation of value. Admittedly I'm in the UK, but all I've ever had to provide is a list of items worth more than £x and an approximate replacement cost. Maybe it would be easier to change your insurer than to comply with this one's wishes.</p>