Dropped D30 on Cemented floor

[soumya63]

Accident happens and it happened with my week old D30. My wife dropped it from her lap while getting out of car. It fell straight on cemented parking lot from a height of 3 feet approximately. It was fitted with Sigma 17-35mm. And every thing survived!

Now I see the merit of exterior plastic body. The camera landed on its bottom edge at the grip side and bounced a little before settling down. No crack, no big dent, all it suffered are few very scratch like dents at the corner. Everything is working fine. Lens is fine too. I suspect the plastic exterior might have absorbed the sock quite a bit. A camera with a metal bottom would have certainly dented badly with much lighter impact.

[oops]

Sounds like the camera absorbed the shock better than you did!:D I was reaching for the phone to call my insurance agent just reading your post.

Which brings up a point. Several months ago, long before you had your new camera, there was a post about insurance coverage on the D30. All insurance companies differ somewhat and not all people have homeowner's insurance. Now would be a good time to check your coverage if you havn't already. Stuff happens.

I have a Farmer's homeowner's policy, and my agent made a special call to his home office at my request. I am automatically covered for fire, theft, kids, wives, etc. at no extra cost but not everyone may be as lucky. The D30 ain't no small change. Even a special policy would be worth the peace of mind.

[soumya63]

Hey I never knew Homeowners policy can cover such damages like D30 slipping from Wife's lap? :D If it does I will definitely like to invest in such policy. Can you provide some info? My insurance agent is a nice Chinese Lady, who never able to realize the fact that D30 and its paraphernalia can be costlier than your jewelry sets and require protection from Wife and Kids also. :eyes

[oops]

soumya63 wrote:
Hey I never knew Homeowners policy can cover such damages like D30 slipping from Wife's lap? :D If it does I will definitely like to invest in such policy. Can you provide some info? My insurance agent is a nice Chinese Lady, who never able to realize the fact that D30 and its paraphernalia can be costlier than your jewelry sets and require protection from Wife and Kids also. :eyes


If you own your home outright, not making any payments because it's paid for already, you are not required to have homeowners insurance but it is a good idea; you want to protect your home in case of disaster. If you have financed your home, you are required to have it and it is usually included in your monthly payments. In either case, homeowners insurance covers more than just your home and most insurance companies cover your personal belongings whether you have a loss at home or somewhere else. Some companies require you to declare high dollar stuff like jewelry and camera equipment and may charge a small extra premium for coverage. I am, however, speaking of the USA companies so your's may be different.

Also, if you rent, you can get "renters insurance" which covers your personal belongings on the same scale as homeowner's insurance, only without the dwelling coverage. This stuff is really cheap, depending on what you declare as valuable.

And, as a last resort, you can get a special policy that covers the D30 only. This may be your best option if none of the above applies.

Now, bag up the D30 with all the lenses you want protected from the wife and kids, buy a dozen sweet rolls for the nice Chinese Lady (not a bribe, just because she is nice!), and pay her a visit. Tell her, "I simply cannot afford to replace these, what can you do?". Even offer to take some shots of her and the kids (or grandkids) and print her a copy. Oh, and don't forget to cover the printer, too.

Hope this helps!

Chris

[soumya63]

:D Thanks Chris. I am too at US, in CA to be specific, and I am yet to buy any home. So paying hefty rent in Bayarea :~(

Well, I may try the Renters Insurance. By the way, it is a nice idea too, do a porfolio of the Chinese Lady, only hitch is if I can explain her (in english) about my good intension

[oops]

Very tricky, indeed. John Wayne could have pulled this off, no problem. However, with a wife, kids, a box of sweet rolls, AND a D30 with lenses in a bag? Walk very carefully, my friend. Good Luck!

[Gomez Photography]

You got lucky this time. It all depends how yhe camera lands. I have had problems with my D30's reliability for some time now. They have sent me a new body once. The new body had a problem. Sent it back to get fixed, when I got it back, it still did not work. Canon Repair sucks.!!!!!! I'm asking for a new body again. I cant deal with the repair service. I have a 1 D on order. Hope it is built better. Michael

[soumya63]

Wow! That sounds too bad and true I am very lucky also. Yes, I do believe 1D should be more robust than D30, but be careful, do not get carried away by those rubber gasket stuffs, they are no good in real life rain and dunking in water. Wish you best of luck and hope my D30 will run trouble free for at least couple of years so that I can safely rig up some excuse to buy a 1D or 2D!

[RalphW]

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soumya63 wrote:
Hey I never knew Homeowners policy can cover such damages like D30 slipping from Wife's lap? If it does I will definitely like to invest in such policy. Can you provide some info? My insurance agent is a nice Chinese Lady, who never able to realize the fact that D30 and its paraphernalia can be costlier than your jewelry sets and require protection from Wife and Kids also.
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I have a rider on my renter's insurance policy for my camera equipment. It covers everything or event short of acts of war or crimninal intent on my part. Damage/loss by me or someone else, theft outside the home or vehicle, etc. Cost is $15 per $1000. So the $90 I pay per year makes things a little more comforting when I am out and about.

RalphW

[soumya63]

Thanks Ralph, I will check it out.

[brandon.ME]

Yeah, I started the insurance thread last November(?) and was pleased to find out that my insurance company, All State, was able to put a rider-like extension on my homeowner's insurance. I pay $84/year and it covers all my D30 and Olympus 3040 gear (~$6000). The great thing about this coverage (other than the sweet cost) is that technically I could "drop kick" my D30, call up All State and I would get a check about 10 days later for THE COST I PAID for the D30. Again, $84/year is awesome for that kind of peace-of-mind.

--brandon

[oops]

Thanks for starting this original thread. It got me and a lot of other folks really thinking. You have a SPECIFIC rider on your policy. Farmer's said I "don't need a specific rider under 10k". This scares the heck out of me.

However, I have a bad-momma-git-down [kind of a red neck term meaning"good"] digi that has recorded every item in my home, D30 included, in full color, LinearSharpenv2.1, tiff with receipts so we are as cool as it gets!

Take THIS to court!:D