Topic: You'd think musicians would know how to hear
So I've mentioned on here before about the water damage to my basement. One of my bass practice amps was on the floor and the case of it was damaged by sitting in water. The electronics, which are at the top of the cabinet work. But the cabinet is made of Medium Density Fiberboard (MDF). It absorbed water and swelled. The glue holding the cover on has failed and the cover is coming off. The front cover is stained. The bottom of the paper cone has miraculously survived (perhaps it only looks like paper).
So my insurance properly covers me if something is damaged. They will pay to repair the damages, or they will pay to replace it if the damages cannot be repaired. This is what I contracted them to do, what they agreed to provide, and what I have been paying premiums to receive. It is all proper, honest, above board, and practically blooming over with integrity. It is, in short, the usual and customary reason one pays for insurance in the first place.
Now, it's not all on my honor. Anything over $250 requires me to have a repair estimate, or a statement from a technician/repairman saying that the damages cannot be repaired. This is fair because they pay for the estimating fee.
So each place I've taken this combo amp, the technician has said, "Oh. I can't get a replacement case. I can staple the cover back on, but it's always going to be swollen up like that."
"Fine," I say, "can you just put that down in writing so that I can submit it to the insurance company." Each has refused. They don't want to be liable. Liable for what? For stating the truth? "Well the amp still works", they say. "Yes, it works. But is it damaged?" "Well, not really." "So, that cabinet isn't swollen up and stained from sitting in water?" "Sure it is." "And you think that isn't damage?" "But the amp still works."
Round and round it goes. Simply amazing. It's as if they aren't willing to stand behind their own statement that they HAD JUST MADE TO THEIR CUSTOMER!!!
They all seem to want to interpret my insurance claim and policy without having seen either one. All their being asked to do is to put down in writing what they had just told me. The absolute and obvious truth, verifiable photographically. Truth I would swear to under oath in a court of law. The cabinet is damaged and cannot be repaired. It is a combo amp, and so the cabinet is an integral part of the amp. That the amp still makes the speaker go thump, thump, thump does NOT mean that the combo amp is not damaged or that the damage can be repaired.
Bizarre. And incredibly frustrating. I'm not trying to rip off the insurance company or defraud anyone. I'm trying to get what I'm due, in accordance with the right and proper terms of the policy.
If it comes from the heart and you add a few beers... it'll be awesome! - Mekidsmom
When in doubt ... hats. - B.G. Dude