Originally Posted by
saddlesores
how difficult is it to make a claim? what's the procedure?
let's say you're on the road......hatch, new mexico.........and some of your gear goes missing.
i assume you need to file a police report, and provide a copy to the carrier.
what other documentation is required?
insurance companies are notorious for finding ways to deny payment.
are they paying replacement cost, or depreciated value on a 5-yo camping stove?
how long does it take to receive payment?
do they direct deposit, or hardcopy check to address of record?
how long will you be stuck in hatch?
the green chilis are awesome, but still.....
I agree, the green chillis are awesome!
Those are the kind of questions you would need to discuss with your insurance agent.
In the one instance where I used my policy...
I had an internal camera malfunction while shooting at a remote location. The camera was no longer under warranty, and actually was a discontinued model, but it was listed on my inland marine policy. When I got home I contacted my agent and she had me take the camera to a repair center for an estimate. It took them 3 days to get my estimate, and they submitted it directly to my insurance agent. After that it took about 2 weeks to get a check from insurance. Repairing the camera cost less than an equivalent replacement, so that's what the insurance paid. I think the repair bill was about $450. I had a $100 deductible, so I got a check for $350.