Dropped my Z9 on a concrete floor.

If you would like to post, you'll need to register. Note that if you have a BCG store account, you'll need a new, separate account here (we keep the two sites separate for security purposes).

Member's gallery
Irap said:
Steven, I dropped my D850 years ago, hit the concrete and had major damage, on the shutter, prism and mount. I thought it was gone, but Nikon fixed it. It came back looking like a new camera and worked better then I when I first got it. The cost of repair was very reasonable. I think I paid around $400 for the repair. Since then I insure all of my gear with a personal property policy through State Farm Insurance. It is very reasonable for replacement insurance. It covers theift, water and drop damage. You should ask your insurance company about a personal property policy.
Click to expand...
Nikon has asked that I send the camera in with the lens/tc fused combo "just to be sure it's fine" as the camera will be fixed at no cost if they find anything. Haven't continued that conversation but the lens is newer than the camera so I'm expecting they'll likely be at least lenient in that regard, as well. Years ago I fell carrying my D3 with the flash attached and the flash broke essentially in two at the hotshoe. Had that flash for a few years before the accident and Nikon fixed it like new "no charge." As I've just bought a new canoe for photography, however, I'd like someone to help out for that moment when I drop the camera and lens into 300 feet of water -- THAT Nikon won't replace :)
 
Member's gallery
Roy said:
A client accidentally knock my Z9 of a table onto concrete with the 50mm f1.2 mounted.
Lucky no damage to either - I guess that's why they call the Z9 a pro level camera.
House insurance for non-professionals sometimes covers camera gear taken outside the house - worth checking...🦘
Click to expand...
Yah, the camera and the lens took the fall no problem ultimately. The drop did make that marriage between lens and tc kinda permanent however :) If they can't save the lens to separate the two I'm just going to wind up with a 700 f5.6 lens as the stuck combo produced a few thousand shots without incident before I figured out they were stuck together :)
 
Member's gallery
Member's gallery
BCDan said:
Steven,

I’m guessing you’re in Alberta and I see Wawanesa provides insurance there. Have you talked to a Wawanesa broker? If so, I’d love to know the name of who you spoke with, and their location. I’ll have my broker speak to him/her and someone will be changing their answers to either you or me…

Dan
Click to expand...
I've left Alberta. You have a great point tho -- I'm going the broker route next with my conversations!
 
Member's gallery
ssheipel said:
About a month ago in my underground parking spot I threw my bag on my back and turned and the Z9 with 500 pf (and 1.4 tc) slid out of the bag (yup one zipper not pulled to the top). Best I could figure it dropped and hit on the bottom of the camera which has a small rig l-bracket attached (there is the slightest of burrs on the bracket and thus that conclusion). Camera and lens wound up sitting as the would on a table, but pretty sure the camera fell, camera down, lens pointed up, in the vertical position given where the mark is on the bracket. The jarring of the drop made the lens hood (in reverse) pop off, as well.

Thought I'd escaped any damage -- though it took me until the next day to turn the camera on and take some shots, so convinced was I that the sensor was likely hanging by a thread or all of the glass in the lens was cracked. Have taken a few thousand shots with the combo since then without issue.

HOWEVER, today I went to shoot the lens without the TC and oh oh it and the lens are stuck together. The TC will turn to the remove position but the final click and removal is not available.... I can see a raised edge of a metal ring or ridge between the camera and TC that curves out of true in one spot....

So will be making a trip to Nikon next week -- luckily they're just down the highway. Hope they have returned to taking drop offs as it'll be an added pain to box and ship. Or maybe I'll just settle for having a fixed 700 f8 lens.... Ah, no :)

While on this subject, any Canadian shooters can give a recommendation for loss/damage insurance for photo gear. Been casually trying to buy coverage for years and every time the carriers I do find always turn me away as I'm not a commercial photographer. The standard carriers of course are only interested in covering the gear for normal 'home owners insurance' so if I say, oh I dunno drop the Z9 and 500 pf with 1.4 TC attached on a cement floor they won't cover repairs.
Click to expand...
NANPA will cover non-professionals, and they are also in Canada. You have to join NANPA to get it though. NANPA membership is $100/year. Chubb insures your gear through NANPA and runs around $350-$450/year depending on how much you have. Used to be $350 for $20,000 coverage. They cover damage, theft, accidental, etc. Several of my friends have it and says it is wonderful. If you have $20,000 worth of equipment and it gets stolen, $450/year doesn't sound so bad! Homeowner's insurance allows you to add riders for photography equipment, but I don't believe they cover theft if the equipment is stolen out of your car. NANPA insurance covers everything everywhere!
 
Member's gallery
philippe said:
Interestingly, I learned today of the death of an old local lady from falling on her camera - it appears that whatever happened, the camera severed her abdomen resulting in her death. It sounds a bit far fetched to be true, but the person who told me would have no reason to dilute the truth of what happened. I guess you can never be too careful.
Click to expand...
Well I'm feeling better now (for me at least) that I stayed upright while the camera plummeted :)
 
Member's gallery
philippe said:
Interestingly, I learned today of the death of an old local lady from falling on her camera - it appears that whatever happened, the camera severed her abdomen resulting in her death. It sounds a bit far fetched to be true, but the person who told me would have no reason to dilute the truth of what happened. I guess you can never be too careful.
Click to expand...

It could easily be possible that the blow ruptured her aorta in the back of her abdomen. Years ago (8-10) I slipped on ice, falling on my camera and driving the lens into the body, both of which were deemed beyond economical repair. I broke six ribs on my left side and had to walk abut a mile and a half back to the car, slightly lacerated a lung in the fall. I went to the ER, the camera went to the camera morgue -- be careful out there.
 
Member's gallery
Woody Meristem said:
It could easily be possible that the blow ruptured her aorta in the back of her abdomen. Years ago (8-10) I slipped on ice, falling on my camera and driving the lens into the body, both of which were deemed beyond economical repair. I broke six ribs on my left side and had to walk abut a mile and a half back to the car, slightly lacerated a lung in the fall. I went to the ER, the camera went to the camera morgue -- be careful out there.
Click to expand...
Ouch! Years ago I fell face first going down hill with the camera and it got me flat against the breast plate (the front of the lens left a nice crater in the dirt and the hood and UV filter shattered) and I was convinced my lungs and heart had been driven out the other side of me. So yah, falls, with or without camera, not a good thing! That must have been one torturous walk to the car with broken ribs (eeegad!); glad you're telling the tale in the past tense, Woody!
 
Member's gallery
Wow ... sorry to hear about all the serious accidents. Makes me realize I have been very blessed to not have had any serious injuries to me or my gear in various slides and falls in the steep canyons, and hill sides while chasing chukars and other birds with gun and camera for over 60 years. Routine for rocks to roll out from under feet on our dry steep canyon hillsides. I have bruised, scratched and scraped various pieces and parts of me, scratched gun stocks etc. but nothing serious just a few scars on shins and knees :)

Funkiest fall was on a patch of dry ground surrounded by Boise River flood waters I had carefully waded through. Deep grass hid a large fallen tree branch and my foot caught under it and I fell forward and did a roll and popped back up on my feet shaken but unbroken and ditto for the D500 and Tamron 150-600 G2 I was carrying in baby cradle mode at the time :)
 
Member's gallery
Ken Miracle said:
Wow ... sorry to hear about all the serious accidents. Makes me realize I have been very blessed to not have had any serious injuries to me or my gear in various slides and falls in the steep canyons, and hill sides while chasing chukars and other birds with gun and camera for over 60 years. Routine for rocks to roll out from under feet on our dry steep canyon hillsides. I have bruised, scratched and scraped various pieces and parts of me, scratched gun stocks etc. but nothing serious just a few scars on shins and knees :)

Funkiest fall was on a patch of dry ground surrounded by Boise River flood waters I had carefully waded through. Deep grass hid a large fallen tree branch and my foot caught under it and I fell forward and did a roll and popped back up on my feet shaken but unbroken and ditto for the D500 and Tamron 150-600 G2 I was carrying in baby cradle mode at the time :)
Click to expand...
Yup, me too -- I tend to 'cradle' carry the gear when on rocky or uneven terrain especially descending. Gotta say my rolling and popping to my feet days are long over :)
 
Member's gallery
ssheipel said:
Yup, me too -- I tend to 'cradle' carry the gear when on rocky or uneven terrain especially descending. Gotta say my rolling and popping to my feet days are long over :)
Click to expand...
Running around in Idaho hills and canyons all my life does not hurt and fall training as a volunteer with our local downhill ski area was helpful ... and being only 5'6" makes it a shorter trip up and down :)
 
Member's gallery
Sorry to revive a dead thread but yesterday, I had my first inevitable oops since switching to Nikon. As I was walking along a crushed limestone path holding my Z8/186 and simultaneously trying to take my jacket off, the combo slipped out of my hands and landed horizontally on the lens and hotshoe/evf (how's that for Nikon balance?). Apart from sustaining a couple of minor scratches, a broken hood by the ring (designed stress point?), and a bit of ground in gravel, thankfully the mount didn't sustain any damage, and the rig is working perfectly. Thank you, Nikon!
 
Member's gallery
Not sure if it has coverage in Canada, but NANPA is the way to go here. The NA stands for North American so maybe. The membership fee is $100/year and they go through Rand insurance I believe. Depending on how much gear you have expense wise, it runs around $350/year. However, they cover water damage, drops, fire, theft, etc. They can give you a loaner if you are on a shoot and you don't have to be a pro to join NANPA and get the insurance. If you are a pro, not sure if PPA works in Canada either.
 
Member's gallery
A client knocked my Z9 off the table onto a concrete floor when it was young - no damage.
When the tripod foot came apart from the 70-200 lens and it fell onto my laptop - the camera mount and the laptop didn't survive.. 🦘
 
Member's gallery
As already mentioned in the post, itemize things in your home content policy, take the accidental damage loss cover, pay for it, you should be covered for international and domestic travel as well as loss of damage.
List the serial numbers, take a photo with a front page of a news paper in the shot this determines a date. Keep those photo's in your file.
 
Member's gallery
be careful using your own home insurance


Clue is the reporting agency for insurance.

every claim not reimbursed to your insurance company regardless of fault dings your insurance score.

while your insurance company may not raise you they can drop you

then every claim comes in to play .

my son was on our policy . he had a mirror and air bag stolen .

well i decided to shop for insurance years later when my son was off our policy .

our insurance score suffered badly and quotes were 2x higher .

i would never use my home insurance for camera gear . i use ppa insurance
 
Member's gallery
With the times of today I would be very careful of using my home owners to cover my camera equipment. In the event of an insurance claim against your home owners insurance to cover a loss for camera equipment, you might find yourself in receipt of a “Notice of Cancellation” from your insurance company. Homeowners insurance is going crazy especially in Florida. Years prior to selling our house we received a “Notice of Cancellation” from our insurance company of over 20 years without a claim. You will find it difficult to replace your home insurance once you have been dropped. We have used Philadelphia Insurance Company thur Hill and Usher for years. Since selling our house a going full time in our RV don’t worry about home owners insurance, just liability insurance on the RV lot, in Florida. Just something to think about.
 
Member's gallery
I dropped my Z9 + 400TC from shoulder height (slung on a monopod over my shoulder) onto concrete in Jan 2024. It made the most gutwrenching noise I've ever heard.

Luckily Nikon designs their stuff well, everything "broke" where it was supposed to - and the total repair for everything including shipping was "only" around $700.

Much better than the $20K I thought I might have to pay to replace it all.

Also I've always heard never to put camera gear on home insurance. Get a separate policy rider for it. Luckily, I didn't have to test it out.
 
Member's gallery
About a year ago I dropped my Z 8 or 9 with a Z 70-200 F/2.8 attached from the back on my SUV onto the driveway. Stupid me, I forgot to zip up the camera bag when I left the photo site and it was very dark in our driveway. 70-200 had major damage, the body was fine though I had NIkon check it.
 
Member's gallery
RichF said:
About a year ago I dropped my Z 8 or 9 with a Z 70-200 F/2.8 attached from the back on my SUV onto the driveway. Stupid me, I forgot to zip up the camera bag when I left the photo site and it was very dark in our driveway. 70-200 had major damage, the body was fine though I had NIkon check it.
Click to expand...
Precisely how mine arrived on a cement floor -- I forgot to zip up the bag.
 
Member's gallery
nmerc_photos said:
I dropped my Z9 + 400TC from shoulder height (slung on a monopod over my shoulder) onto concrete in Jan 2024. It made the most gutwrenching noise I've ever heard.

Luckily Nikon designs their stuff well, everything "broke" where it was supposed to - and the total repair for everything including shipping was "only" around $700.

Much better than the $20K I thought I might have to pay to replace it all.

Also I've always heard never to put camera gear on home insurance. Get a separate policy rider for it. Luckily, I didn't have to test it out.
Click to expand...
Don't recommend the separate policy rider in these days where insurance companies find reasons to raise rates or cancel like never before.
See the extensive thread on it.

Photography Equipment Insurance Options (retitled discussion)

EDIT - March 17,2024 This post has been updated many times so I added the date for reference. Shopping for insurance has been a challenge. This post reflects my experience. Some of the main reasons for this type of insurance is that it will cover things that other insurance would not cover...
bcgforums.com bcgforums.com

Also note NANPA has a Canadian offering for @ssheipel.

In my mind the main reason for the policy is major theft and major accidents. One can set aside money for the "drop", but no so much the fall in the lake.
 
You must log in or register to reply here.
Back
Top