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Drop-Top

Enthusiast
My apartment was recently involved in a fire. My A/V system was not directly in the fire, however the sprinkler system did soak the entire apartment rug. My speakers did soak up a small amount of water, and all my components had a small amount of smoke damage. At this point, I am unable to see/smell significant damage to the components/speakers, but I am concerned in the long haul I might have issues. The insurance adjuster told me the tv and Audio components should be fine, and he will look at the speakers for damage. I am not an audiophile by any means, so I am curious what your thoughts are so I do not get screwed by the adjuster.
 
mtrycrafts

mtrycrafts

Seriously, I have no life.
Drop-Top said:
My apartment was recently involved in a fire. My A/V system was not directly in the fire, however the sprinkler system did soak the entire apartment rug. My speakers did soak up a small amount of water, and all my components had a small amount of smoke damage. At this point, I am unable to see/smell significant damage to the components/speakers, but I am concerned in the long haul I might have issues. The insurance adjuster told me the tv and Audio components should be fine, and he will look at the speakers for damage. I am not an audiophile by any means, so I am curious what your thoughts are so I do not get screwed by the adjuster.

How much water got into the A/V equipment? Did you pull the grill off the speakers? Did the finish seem changed? Did it stand in water? That pressed wood material may swell.
 
Mr. Lamb Fries

Mr. Lamb Fries

Full Audioholic
Ive dealt a lot with insurance companies and my only advise is dont sign anything with out consulting an attorny. They are NOT looking out for you. They are trying to pay out as LITTLE as possible. If you cant get an attorney, my only suggestion would be dont sign off on anything that is electronic without a clause, ammendment to the conditional signing, that allows time to tell if there is damage to any of the equiptment as a result of the fire/water.

Be careful, and dont blindly trust them!!! This is their business and they will treat it as such. Their goal is to pay out as little as possible while trying to retain you as a client...This is your life so you should treat it as such. make sure you arent lead to sign something that gives up the right to collect something that is rightfully yours. THIS IS WHY YOU HAVE INSURANCE!

just my opinion.

Good luck
 
Mr. Lamb Fries said:
Their goal is to pay out as little as possible while trying to retain you as a client
That actually hasn't been my experience and I have close family members in the business. In fact, the larger the claim, the more money the adjusters make (there is insurance upon insurance upon insurance - which is why the big companies never go under during disasters). Now if you commit fraud - you're hosed and get NOTHING.

I once called my insurance company on a whim since I noticed some roof damage on a house I bought several years back (the damage very well might have been done during my ownership but I honestly didn't know). I ended up getting a $5000 roof job without even really asking for it.

That was State Farm - other and smaller companies I have no idea about.
 
D

Drop-Top

Enthusiast
mtrycrafts said:
How much water got into the A/V equipment? Did you pull the grill off the speakers? Did the finish seem changed? Did it stand in water? That pressed wood material may swell.
No water actually touched the electronic components, but the speakers did stand in water briefly, and were on very wet carpet for 2 days. I have not had a chance to look at them yet to know if they changed.
 
Mr. Lamb Fries

Mr. Lamb Fries

Full Audioholic
Clint-
My recent negative experience has been with business insurance (I know personal insurance is different). Insurance not covering or even investigating alledged bogus claims made against my business. It leads to Hassles...Headaches...and Enormouse attorney bills. If you have had hassle free insurance than thats great! My post, although comes across as harsh, was meant to leave an impression of "BE CAREFUL". Drop-Top was asking for advice. My advice is to be OVER causious. It was not an assult againt people you have personal relationships with that are in the business. My overgenerilization comes from my personal experience (and is partially retracted)...and not everyone's personal experience. I know there are those out there who are full of integrity and will help the policy holder reach a fair judgement. I have had experiences with that as well. There is nothing wrong with protecting yourself and your interests. The bottom line is Insurance is a business...not a charity.

Now fruad is another story...if YOU'RE the one commiting fraud...than YOU cant even trust YOURSELF! As you'll see, I suggested to consult an attorney (Not at all implying that attorneys are all legit.) it would be the attorneys responsibility to legally walk you through the process. That is the course of action that has yeilded me the best results.

Drop-Top-
If you dont have a the relationships like Clint does...YOU are the only one YOU can completly trust! Not everyone has close family members in the business that can tell you how to handle the situation. Adjustors are in place to protect the company against fraud. If the company believed every claim...there would be no need to investigae such claims. Insurance companies also have lawfirms on retainers because of fraud and to protect themselves. Have someone on your side that knows the law as well as the due process for such action.


Wouldnt you rather have someone telling you to be careful, than saying "trust the insurance adjustor"? (Clint, not saying thats your position)...My thought was, there could be something wrong with your equipment that won't show up for a while. make sure you are protected against this. Once you sign the claim away...there is little or no recourse.

Just be careful....Not everyone has the integrity of the fine people running AUDIOHOLICS!
 
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Mr. Lamb Fries

Mr. Lamb Fries

Full Audioholic
Drop-Top said:
No water actually touched the electronic components, but the speakers did stand in water briefly, and were on very wet carpet for 2 days. I have not had a chance to look at them yet to know if they changed.

The wood, if saturated with water, could warp/rot over time as a direct result of the water damage sustained during the fire.
 
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mtrycrafts

mtrycrafts

Seriously, I have no life.
Drop-Top said:
No water actually touched the electronic components, but the speakers did stand in water briefly, and were on very wet carpet for 2 days. I have not had a chance to look at them yet to know if they changed.
If the components didn't get water, they should be fine.
But those speakers sitting on a soaked carpet is a different issue. That needs to be closely inspected. Usually, they are made from high or medium density particle board and they don't like water:(

As was indicated, perhaps, don't settle on the speakers just yet without close inspection, may need to pull a large driver, closes to the bottom, and look inside for any signs of mildew, swelling, etc. Check the finish on the outside.
 
Pyrrho

Pyrrho

Audioholic Ninja
Drop-Top said:
My apartment was recently involved in a fire. My A/V system was not directly in the fire, however the sprinkler system did soak the entire apartment rug. My speakers did soak up a small amount of water, and all my components had a small amount of smoke damage. At this point, I am unable to see/smell significant damage to the components/speakers, but I am concerned in the long haul I might have issues. The insurance adjuster told me the tv and Audio components should be fine, and he will look at the speakers for damage. I am not an audiophile by any means, so I am curious what your thoughts are so I do not get screwed by the adjuster.
When you say: "all my components had a small amount of smoke damage", do you mean merely that they were exposed to smoke, that there is visible smoke residue on them, that there were signs of excessive heat (e.g., melting or warping of plastic, etc.), or something else? If only the first, then you might be okay, though any optical device (e.g., DVD & CD players) may need their lenses cleaned. If the second, you might still be okay, though you are more likely to need to clean the lenses on optical equipment (if they still seem to play everything as before, then you probably need not worry too much about cleaning the lenses, though if you know how to do such things, I would recommend doing it yourself). If there is any melting or warping of the plastic parts, it may even then be okay (but, obviously, don't count on it), but they should be paying you something for the esthetic damage if nothing else.
 
D

Drop-Top

Enthusiast
There was no real heat damage to the components, and zero water damage. There was some smoke damage, and there was a small layer of ash on top of the components. Will this damage them? The speakers have warped, and the insurance agents will give us some amount of compensation for them. I need to know if I should worry about the components. My adjuster does not think this would damage them in any way, and I have turned them on, and they appear to be functioning normally. What are the short and long term consequences of this?
 
Mr. Lamb Fries

Mr. Lamb Fries

Full Audioholic
Call aroud and see if you can take them into a shop for good cleaning.
 
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