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How to File an Insurance Claim for your Camera Equipment

Filing an insurance claim can be a daunting task. However, if you’re well prepared and understand how to file a claim in advance, it can make the process go a lot more smoothly. If your camera equipment has been involved in an accident, stolen, or damaged, here's how to file a claim with Full Frame.

What is a Camera Equipment Insurance Claim?

Camera equipment insurance claims are similar to other types of property insurance claims. Although the coverage varies, the process remains the same.

A claim is when you officially request remittance from your insurer due to a loss or damage to the property that is covered by your policy.

A claims representative will review your claim to make sure that the circumstance is covered by the policy.

Oftentimes, you’ll be asked to provide documentation to verify the incident.

What does camera equipment insurance cover?

Camera equipment insurance covers your cameras, lenses, lighting equipment, and other photography gear on and off premises and during transportation up to the limits of your policy.

How to File a Camera Insurance Claim:

  1. Report the Incident

    If necessary, the first step is to report any incident that involves a violation of the law to the police. For example, when your camera equipment is stolen.

    If your claim doesn’t require you to contact the authorities, document the situation and move on to the next step.

  2. Assemble Necessary Paperwork

    Make sure you have your paperwork ready. In order to effectively document the incident, include the who, what, when, where, why and how. If possible, compile any receipts you have for the covered equipment involved in the claim.

    You will be asked to provide a detailed description of the property involved in a claim when you call your insurance agent.

  3. Contact Your Insurance Agent Immediately

    Your agent will be able to guide you through each step of the claims process. The sooner you contact your agent and get the required information to them, the smoother the process with the insurance carrier will be.

  4. Protect the Camera Equipment from Further Damage

    Keep a record of your expenses necessary to protect the covered property, i.e. camera equipment, for consideration in the settlement of the claim.

  5. Do Not Incur Expenses Without Consent of the Insurer

    Doing so could result in further financial loss to you. Insurance companies may not cover expenses if you have not received approval from them prior to paying out.

    We strive to make our claims process as easy as possible, nevertheless, the experience leading up to a claim can be stressful. It's our goal to provide you with a resolution as quickly as possible, and as our client, we have your best interests in mind. You've entrusted us to insure your valuables and you can trust us to help you when you need us.

If you need to file a claim with Full Frame Insurance, please contact us today. If you’re in need of high-quality insurance for your photography business or equipment, you can find out more here.

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