As I posted the other day, I lost a Trimble R8 and tripod, etc in the river last week.
The claims person, who knows nothing at all about surveying, is saying that the R8 and the prism that was underneath are on the list of covered items, while the other items (tripod, tribrach, and adapter) are not on the list, so he is trying to figure out if they are covered. I have never had claim like this before, so I wanted to ask anyone else who has had a claim: is that "auxiliary" equipment usually covered? He is asking me if it was on a site owned by me, if it was there more than 60 days, etc, so he doesn't understand what the situation was. I explained that all of our field work is on property NOT owned by us, but not sure where he is going with this.
And it wasn't cheap stuff...Crain Tri-max, Trimble tribrach, etc
Yep,
Check your coverage carefully. We found out last winter that all of the equip was covered, but only here at the office. Had to get an endorsement for some sort and reclassify some stuff so that it is covered while out working.
I just changed carriers for that reason.
toivo1037, post: 387759, member: 973 wrote: Yep,
Check your coverage carefully. We found out last winter that all of the equip was covered, but only here at the office. Had to get an endorsement for some sort and reclassify some stuff so that it is covered while out working.
I had one claim in all my years-a Dini level was smashed in a door on a job site (heavy metal door with the hydraulic closer on it), and they didn't balk at that at all. But it was only one item, and it was on the list.
Actually, I haven't given up hope of finding everything, a multibeam/side scan sonar will be there sometime this week for a survey.
John Hamilton, post: 387755, member: 640 wrote: As I posted the other day, I lost a Trimble R8 and tripod, etc in the river last week.
The claims person, who knows nothing at all about surveying, is saying that the R8 and the prism that was underneath are on the list of covered items, while the other items (tripod, tribrach, and adapter) are not on the list, so he is trying to figure out if they are covered. I have never had claim like this before, so I wanted to ask anyone else who has had a claim: is that "auxiliary" equipment usually covered? He is asking me if it was on a site owned by me, if it was there more than 60 days, etc, so he doesn't understand what the situation was. I explained that all of our field work is on property NOT owned by us, but not sure where he is going with this.
And it wasn't cheap stuff...Crain Tri-max, Trimble tribrach, etc
My understanding is things above a certain dollar value must be "listed". Varies by company, and usually field use is different coverage than office.
John Hamilton, post: 387755, member: 640 wrote: As I posted the other day, I lost a Trimble R8 and tripod, etc in the river last week.
The claims person, who knows nothing at all about surveying, is saying that the R8 and the prism that was underneath are on the list of covered items, while the other items (tripod, tribrach, and adapter) are not on the list, so he is trying to figure out if they are covered. I have never had claim like this before, so I wanted to ask anyone else who has had a claim: is that "auxiliary" equipment usually covered? He is asking me if it was on a site owned by me, if it was there more than 60 days, etc, so he doesn't understand what the situation was. I explained that all of our field work is on property NOT owned by us, but not sure where he is going with this.
And it wasn't cheap stuff...Crain Tri-max, Trimble tribrach, etc
You should have an inventory, ours is a book with pictures of everything from computers to trucks, every item is listed and included in the coverage, you also need it to pay property taxes
With our policy office equipment and field equipment are covered under different portions of our policy. The field equipment is covered under an inland marine rider. For the rider we have both listed items, for the big ticket items, and unlisted items for miscellaneous kit. I have also made sure that we have rented equipment coverage. Almost found out about that the hard way when a demo gun was destroyed by a freak weather incident years ago. Luck for me it was a demo and not a rental.
Although not for sure yet, it appears they are going to cover those items, he kept asking me about owned versus non owned property (land where it happened), whether the equipment had been there more than 60 days (no, just a few hours), and other non sensical questions.
The R8 itself is listed with a value of $20K (that was the new cost), I do not in any way want to take advantage, i just want exactly what i had, which I can get on ebay for about $5000. I could try and get a Model 3 or Model 4, but to me that would not be honest. Maybe I am being dumb, but I am trying to be fair, I just wish they would do so in return.
While we are still hashing out the details, in the case of our stolen S6 our insurance covers replacement with "like quality and kind". After explaining that the S6 is a discontinued product, and finding an S7 that was just below what the insurance company valued our S6 at, it looks like we are replacing it with the S7. You may want to ask your insurance company for exactly what they consider an acceptable replacement.
Policies differ, so no specifics, BUT we have big ticket and misc categories. When I get a new GNSS receiver, I usually list the value to include all the accessories as a complete "kit". Years ago I had a Leica 399 stolen long after they were out of production, couldn't find one in stock anyplace even used or demo and the insurance policy had a clause that one of a pair was lost they would replace both, so they bought a new Leica 500 base/rover pair and canceled me the next week. I haven't seen that pair clause since, BUT it could still be there with some carriers and we had full replacement coverage, not the value it was worth used. It pays to shop and read the fine print before you need it, just saying.
SHG
