The sound of my camera breaking in half....
Last month i was walking with my gear about half block from a scheduled video shoot. My DSLR, lens and mic hung on the tripod over my shoulder. Little voice in me was flashing warning signals that I should be a bit more careful but I ignored it. I had the setup of the shoot to accomplish and these early sunsets of winter were pushing me forward. Then I heard a "click". The tripod on my shoulder instantly got lighter and what seemed like an eternity of waiting I heard the sound of camera hitting the sidewalk behind me. Noooo! I turned around to see my camera in pieces. Lens broke in half. Parts of the microphone still haven't located. And the camera body scratched and refused to power up. Call the client, run back to my flat to pick up second camera and finished the shoot successfully same day.
The camera was attached to the tripod with a quick release latch. Even with a quick release latch, it has a red safety button that you must push to detach the camera. Worked perfectly when I tested it later that evening. Bottom line - my fault. I must have not latched the camera on securely. Painful lesson. Humility kicks in. I hate being wrong!
I've been a photographer since my high school days. I've never dropped or broken my cameras. Ever. These are my babies! One they are expensive and two I keep them in top condition because of the level of work I do. And, over the years, I've invested in various lenses and other camera bodies. The costs adds up. A decision three years ago to start insuring my gear against theft and unintentional breakage turned out to be a good one.
Even though my homeowner policy had add ons for equipment such as this I decided to get a separate policy. I live in a hurricane zone and any claims against your homeowner policy is basis for future forced cancellations. Didn't want that to happen.
I sheepishly called my insurance carrier and told them what happened - they were great (and empathetic!). While filing a claim they indicated that this was the number one reason for claims. Accidental drops. I figured it would be theft or a big rugby player using you as a landing cushion! I sent my parts and pieces of the broken camera off to Nikon Repairs in NY. Within days of receiving my shipment they let me know both items were repairable and the price tag would be $xxx (insert large number). Very thankful for insurance policy! My claim check is already in the mail! I should receive the check before I get my repaired items back.
So if you have a collection of gear that's accumulated over the years I suggest you get an insurance policy on them. Not expensive and most have a low $100 deductible. Replacement cost type policy which is the best to get.
If you want details of the insurance company I use just drop me an email on the comments page and I will point you in the right direction.
Have a great Holiday month!
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