{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/5-things-to-know-about-making-a-photography-insurance-claim","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"22098670295","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1534798530598,"deletedAt":0,"displayName":"David McLeish","email":"","facebook":"","fullName":"David McLeish","gravatarUrl":null,"hasSocialProfiles":false,"id":6086125042,"label":"David McLeish","language":null,"linkedin":"","name":"David McLeish","portalId":61352,"slug":"david-mcleish","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1534798530598,"userId":null,"username":null,"website":""},"blogAuthorId":6086125042,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1534798530598,"deletedAt":0,"displayName":"David McLeish","email":"","facebook":"","fullName":"David McLeish","gravatarUrl":null,"hasSocialProfiles":false,"id":6086125042,"label":"David McLeish","language":null,"linkedin":"","name":"David McLeish","portalId":61352,"slug":"david-mcleish","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1534798530598,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":null,"campaign":"0971fd7a-5991-4db0-9562-d5c4f5f07f58","campaignName":"Photographer PR","campaignUtm":"Photographer%20PR","category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1574784410116,"createdById":7915797,"createdTime":1574784410116,"crmObjectId":null,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg","featuredImageAltText":"Damaged camera: Photography Insurance Claims, Canada","featuredImageHeight":401,"featuredImageLength":0,"featuredImageWidth":600,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1669129358000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"<!-- START - Generated by ClassySchema.org on Tue, 22 Nov 2022 15:01:50 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"5 Things to Know About Making a Photography Insurance Claim\",\n\t\"description\": \"Blog post: https://www.frontrowinsurance.com/articles/5-things-to-know-about-making-a-photography-insurance-claimPhotography insurance in Canada, buy online:...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/nB7z61t7byU/mqdefault.jpg\",\n\t\"duration\": \"PT5M18S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=nB7z61t7byU\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/nB7z61t7byU\",\n\t\"uploadDate\": \"2022-11-22\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/nB7z61t7byU?t={seek_to_second_number}\",\n\t\t\"startOffset-input\": \"required name=seek_to_second_number\"\n\t}\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","header":null,"htmlTitle":"5 Things to Know About Making a Photography Insurance Claim","id":22098670295,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >5 Things to Know About Making a Photography Insurance Claim</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":null,"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"attached_stylesheets":[],"post_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n","has_user_changes":true,"last_edit_session_id":null,"last_edit_update_id":null,"html_title":"5 Things to Know About Making a Photography Insurance Claim","tag_ids":[3282917913],"topic_ids":[3282917913],"campaign_name":"Photographer PR","campaign_utm":"Photographer%20PR","enable_google_amp_output_override":false,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg","featured_image_alt_text":"Damaged camera: Photography Insurance Claims, Canada","link_rel_canonical_url":null,"meta_description":"Common question: “what if [insert hypothetical situation] happened? Would I be covered?” It is impossible to answer this question. Every claim is unique.","post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","publish_immediately":true,"use_featured_image":true,"published_by_id":7915797,"published_at":1669143889664,"rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>","rss_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n","blog_publish_instant_email_task_uid":"DONE","blog_publish_to_social_media_task":"DONE","layout_sections":{},"head_html":"<!-- START - Generated by ClassySchema.org on Tue, 22 Nov 2022 15:01:50 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"5 Things to Know About Making a Photography Insurance Claim\",\n\t\"description\": \"Blog post: https://www.frontrowinsurance.com/articles/5-things-to-know-about-making-a-photography-insurance-claimPhotography insurance in Canada, buy online:...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/nB7z61t7byU/mqdefault.jpg\",\n\t\"duration\": \"PT5M18S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=nB7z61t7byU\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/nB7z61t7byU\",\n\t\"uploadDate\": \"2022-11-22\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/nB7z61t7byU?t={seek_to_second_number}\",\n\t\t\"startOffset-input\": \"required name=seek_to_second_number\"\n\t}\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","scheduled_update_date":0,"public_access_rules_enabled":false,"public_access_rules":[],"featured_image_height":401,"featured_image_width":600,"unpublished_at":1669129294688,"blog_post_schedule_task_uid":null,"header":null},"metaDescription":"Common question: “what if [insert hypothetical situation] happened? Would I be covered?” It is impossible to answer this question. 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Every claim is unique.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/5-things-to-know-about-making-a-photography-insurance-claim\"\n },\n \"headline\": \"5 Things to Know About Making a Photography Insurance Claim\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg\"\n },\n \"datePublished\": \"2022-11-22 15:02:38\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Common question: “what if [insert hypothetical situation] happened? 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Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>1. Every claim is unique</h2>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","postListSummaryFeaturedImage":"","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>1. Every claim is unique</h2>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n","postSummaryRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>1. Every claim is unique</h2>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"RNIBrKxo","previousPostFeaturedImage":"","previousPostFeaturedImageAltText":"","previousPostName":"Film Broker Jinny Barbosa Joins Globalex Insurance in Montreal","previousPostSlug":"articles/film-broker-jinny-barbosa-joins-globalex","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1669129358000,"publishDateLocalTime":1669129358000,"publishDateLocalized":{"date":1669129358000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1669143889664,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/5-things-to-know-about-making-a-photography-insurance-claim","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the <a href=\"https://en.wikipedia.org/wiki/Claims_adjuster\" rel=\"nofollow noopener\">adjuster</a> will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\" <em>(<span style=\"font-weight: bold;\">Note</span>: This policy wording is current as of Nov. 2022 but is subject to change)</em></p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<em><span style=\"font-size: 12px;\"><strong>Disclaimer</strong>: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</span></em>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p><a href=\"/articles/photography-insurance-claims-examples\" rel=\"noopener\">PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS</a></p>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>","rssSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/nB7z61t7byU?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>1. Every claim is unique</h2>\n","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1669143890007,"screenshotPreviewUrl":"https://cdn1.hubspot.net/hubshotv3/prod/e/0/c2a00749-6a5e-4ce0-95b4-aa46bc18a599.png","sections":{},"securityState":"NONE","siteId":null,"slug":"articles/5-things-to-know-about-making-a-photography-insurance-claim","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"normal_blog_post","syncedWithBlogRoot":true,"tagIds":[3282917913],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1439930219332,"deletedAt":0,"description":"","id":3282917913,"label":"Photography insurance","language":"en","name":"Photography 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2020","module_id":33051772119,"name":"module_15960847531069","order":4,"smart_type":null,"styles":{},"type":"module"},"module_15965216980304":{"body":{"definition_id":null,"field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"module_id":33156769794,"path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","wrap_field_tag":"div"},"child_css":{},"css":{},"deleted_at":1649085590522,"id":"module_15965216980304","label":"Basic Rich Text Box for Blog","module_id":33156769794,"name":"module_15965216980304","order":5,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"5 Things to Know About Making a Photography Insurance Claim"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<h1>5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</h1>\n<p><img src=\"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/slr-damaged-forweb.jpg\" alt=\"PHOTOGRAPHY INSURANCE CLAIM\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></p>\n<h2>1. Every claim is unique</h2>\n<!--more-->\n<p class=\"p1\">We often get this question: “what if <i>[insert hypothetical situation]</i> happened? Would I be covered?” It is impossible to answer this question, because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s <strong>not</strong> covered?”</p>\n<p class=\"p1\">Most insurance policies work like this: everything is covered, except what is explicitly <strong>excluded</strong> by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the adjustor will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.</p>\n<h2>2. There can be many ways to prove ownership (not just receipts)</h2>\n<p class=\"p1\">Lots of people buy camera gear second-hand. Claims adjustors are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.</p>\n<p class=\"p1\">Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, <em>etc.</em>). In these situations, original receipts are obviously best, but in the absence of these, the adjustor may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.</p>\n<p class=\"p1\">In all cases, it is up to the adjustor’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.</p>\n<h2>3. File a police report first (and take photos of the crime scene)</h2>\n<p class=\"p1\">When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjustor will ask for a <strong>police report number</strong> as part of your supporting documentation. This also applies in <span class=\"s1\">foreign countries</span>.</p>\n<p class=\"p1\">There are also special conditions related to <a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\"><span class=\"s1\">theft from an unattended vehicle</span></a> – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take pictures of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.</p>\n<p class=\"p1\">The insurance company's policy wording on <strong>unattended/unlocked property</strong> reads as follows: \"we will cover theft of <em>covered</em> property from a <em>locked</em> container, vehicle or trailer <em>when there are visible signs of forced entry.</em> This exclusion does not apply while covered property is in the care or custody of a common carrier.\"</p>\n<h2>4. There will be a deductible</h2>\n<p class=\"p1\">A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.</p>\n<p class=\"p1\">If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.</p>\n<p class=\"p1\">After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long-run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.</p>\n<h2>5. You can still withdraw a claim after you have reported it</h2>\n<p class=\"p1\">The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjustor. In order to speak to an adjustor, you will need to report the claim to the insurance company. The adjustor will then review what happened and the supporting documentation, and advise whether coverage can be provided.</p>\n<p class=\"p1\">Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjustor.</p>\n<h2 class=\"p1\">Get Photography Insurance</h2>\n<p class=\"p1\">As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: <a href=\"https://photographer.frontrowinsurance.com/\"><span class=\"s2\">Front Row’s photography insurance policy</span></a> is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim <i>does</i> occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.</p>\n<h2 class=\"p1\">Refer a Friend to Front Row Insurance</h2>\n<p class=\"p1\">Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><span class=\"s1\">referral marketing program</span></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <i>(depending on your province)</i></p>\n<p class=\"p1\">&nbsp;</p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>"},"deleted_at":1649085590522,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

5 Things to Know About Making a Photography Insurance Claim

Damaged camera: Photography Insurance Claims, Canada

 

1. Every claim is unique

We often get this question: “what if [insert hypothetical situation] happened? Would I be covered?” It is impossible to answer this question because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s not covered?”

Most insurance policies work like this: everything is covered, except what is explicitly excluded by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the adjuster will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.

2. There can be many ways to prove ownership (not just receipts)

Lots of people buy camera gear second-hand. Claims adjusters are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.

Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, etc.). In these situations, original receipts are obviously best, but in the absence of these, the adjuster may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.

In all cases, it is up to the adjuster’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.

3. File a police report first

When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjuster will ask for a police report number as part of your supporting documentation. This also applies in foreign countries.

There are also special conditions related to theft from an unattended vehicle – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take photos of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.

The insurance company's policy wording on unattended/unlocked property reads as follows: "we will cover theft of covered property from a locked container, vehicle or trailer when there are visible signs of forced entry. This exclusion does not apply while covered property is in the care or custody of a common carrier." (Note: This policy wording is current as of Nov. 2022 but is subject to change)

4. There will be a deductible

A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.

If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.

After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.

5. You can still withdraw a claim after you have reported it

The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjuster. In order to speak to an adjuster, you will need to report the claim to the insurance company. The adjuster will then review what happened and the supporting documentation, and advise whether coverage can be provided.

Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjuster.

Get Photography Insurance

As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: Front Row’s photography insurance policy is a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim does occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.

Refer a Friend to Front Row

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

Disclaimer: Informational statements regarding insurance coverage are for general description purposes only. This blog post does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

 

Related Posts:

PHOTOGRAPHY INSURANCE CLAIMS: EXAMPLES OF WORST-CASE SCENARIOS

FREE EBOOK! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR

PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS

I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?

4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE

THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED

PHOTOGRAPHERS & VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE

HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT

HOW TO PROTECT YOUR CAMERA LENS(ES)

WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN

UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY

PROTECT YOUR CAMERA GEAR FROM OVERHEATING

PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND

ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR

INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS

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