Worth An Insurance Claim?
Oh, just great! We have just returned from a short break in Scotland. While we were away, the almost mother-in-law visited the house to do some cleaning for us. Somehow she managed to knock one of my precious ProAcs over! It fell over through the open doorway into the hallway – across the carpet rail and onto the tiled floor.
She was trying to clean the corner behind the speaker and "only touched it". To get it back upright, she had to enlist the services of our next door neighbour.
I have fired up the hi-fi system and given it a listen: there is nothing obviously wrong sonically at this point. However, there are now a range of marks, chips and scrapes on two sides. The wooden veneer on one corner is cracked. I suppose it is a tribute to the build quality that the damage is superficial and only obvious when you look for it.
So, the question is: should I be considering an insurance claim on the house contents cover? I am reasonably sure we opted for ‘accidental damage’ cover, although I don’t even recall, off-hand, what the excess might be.
The onward sale value of these speakers has taken a bad knock (assuming I do, at some point, decide to move on) and the shine taken off what was a really pleasant holiday. Of course, the guilty party has apologised profusely, but there is not much else she can do – at least she had the courage to give me a call this morning.
I think I should repeat an earlier statement made on another thread: should have stayed with the ice hockey pucks! "Happy Easter 2011, ESP."