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teh scud
 
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tree fell, took down power line, electronics partially fried -- what to do?

I'm renting a house and their insurance may cover it. I also have renter's insurance. I haven't talked to anyone about it yet.

A tree fell and pulled down a power line this last weekend -- since then, my PS3's HDMI port and one of my TV's HDMI ports haven't worked. Otherwise these things work fine... but they're still damaged.

So how do I go about this? Would they pay for repairs? Would they just give me money?

edit: i should note we also had a tree fall a couple months ago and crush my roomate's car. the trees in our back yard are all pretty dead and supposedly the electronic company has been out here a year ago (before we lived here) for the SAME tree.

Last edited by teh scud; 03-31-2010 at 02:49 PM..
Old 03-31-2010, 02:44 PM teh scud is offline  
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Forever Domon
 
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renters should cover that, but your deductible may not be low enough to make it worth it.
Old 03-31-2010, 02:46 PM Forever Domon is offline  
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Stereodude
 
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Call your insurance agent and talk to them.
Old 03-31-2010, 02:57 PM Stereodude is offline  
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Zangmonkey
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your renters insurance should cover it
However, why don't you use power conditioners and UPS devices for your expensive electronics?
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Old 03-31-2010, 03:30 PM Zangmonkey is offline  
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De7|ro|i7
 
Making a claim only hurts you. Shit end of insurance. Make sure to do the math if its really worth it or not.
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Old 03-31-2010, 05:20 PM De7|ro|i7 is offline  
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StickyLoad
 
file a claim, thats what its there for. renters insurance is cheap and if they raised your rates at renewal, just find another company.
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Old 04-01-2010, 01:47 PM StickyLoad is offline  
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tryfuhl
 
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Originally Posted by StickyLoad View Post
file a claim, thats what its there for. renters insurance is cheap and if they raised your rates at renewal, just find another company.

exactly
Old 04-03-2010, 03:48 PM tryfuhl is offline  
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De7|ro|i7
 
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exactly

Problem is you then have a claim.

If your company raises your rates, all companies will if you are honest about having a claim.
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Old 04-03-2010, 08:59 PM De7|ro|i7 is offline  
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Briandl79
 
If I was your insurance I'd tell you to go spit, a tree fell before and you should have made sure your landlord had an expert come out and take a look at all of the trees and take care of any that needed it.

Having said that, are you 100% sure the ports are broken? HDCP can wreak havoc on things if it's not connected properly. Have you tried disconnecting the tv and everything on its HDMI ports, then reconnecting the tv, then the HDMI?
Old 04-05-2010, 01:33 AM Briandl79 is offline  
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DorothyGirl
 
oh, crap. This reminded me that I have to have some treelimbs cut before one branch falls on the powerline. it is basically resting on the powerline right now.
Old 04-08-2010, 04:05 PM DorothyGirl is offline  
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abccba
 
that's suck i guess ...
Old 04-11-2010, 02:08 AM abccba is offline  
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odd
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Quote:
Originally Posted by Zangmonkey View Post
your renters insurance should cover it
However, why don't you use power conditioners and UPS devices for your expensive electronics?

This.

Since nothing else is damaged I think it would be really hard to prove it was the tree that shorted out your electronics.
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Old 04-20-2010, 11:10 PM odd is offline  
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