Craig Bennett wrote:
> 
> First and foremost let me thank the list for your helpful comments
> regarding this matter.
> 
> I am having the lab where I got the film developed reprint all the
> exposures.  They said they would do it for free to determine if it
> was their processor or my equipment.  I should have a definitive
> answer tomorrow.
> 
> I contacted my agent and he said my equipment would be covered under
> my homeowners policy with a $500 deductible since I am not a
> professional.  Kind of a bite since I will have to foot the 500
> myself to get a new lens, but it is a lot better than being out the
> entire amount.
> 
> Thanks again everyone, especially Ray Amos.  Hopefully I will be able
> to be up and running with a new 28-70 soon.  Now I need to test my
> 70-200, but it is built like a rock and I doubt it suffered at all.
> 
> Craig Bennett
> 

Craig,
While this doesn't help you on this occasion, one solution is to
separately schedule your camera gear on your homeowners policy.  You
will be charged a separate premium for the coverage but you have fuller
coverage both with respect to amount covered and the risks/perils that
will be covered.

I can appreciate your position - I had my 100-400 IS fall on the floor
in the middle of B.C.'s Georgia Strait when our boat hit a bad sea...The
UV cracked but the basic lens came out unscathed.....

Marilyn Dunstan
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