Splashdown Divers - Palm Beach, Florida - Scuba Diving Boats and Charters - Serving West Palm Beach, Boynton Beach, Highland Beach, Delray Beach, Boca Raton, Florida.

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Splashdown Divers
Boynton Beach, FL

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Photography - Insurance

  
The two most popular insurers of underwater photographic equipment are DEPP and H2O (USA only).

Both offer insurance that covers the flooding of your equipment. However, only DEPP insurance covers the loss of your rig if it is lost while diving e.g. the DM accidentally looses his grip on it while handing it to you on a wall dive.

Other differences in the policies are that DEPP replaces the equipment for you with equivalent equipment whereas H20 pays you cash for the replacement of your equipment. And DEPP requires you to insure a basic scuba rig to qualify for insuring your camera whereas H2O has no such requirement.

As to using ones homeowners policy, views are mixed. However, the biggest concerns seem to be uncertainty as to whether flooding damage will be covered  and whether a camera claim may trigger an increase in ones total homeowners policy.

Bottom Line: The reason for getting insurance is to protect you against losses you cannot or do not want to pay for out of your own pocket. So how much insurance you need depends on how deep your pockets are.

 

A word of caution worth sharing

In opening ANYTHING like a flashlight housing or strobe housing, one should always do so in a way to protect their person and surroundings in case it is flooded. In opening my flooded housing the gas pressure buildup was released as I loosened the strobe cover. The acidic battery/salt water misted out and onto the bedspread I was working on. I noticed a few minutes latter that there were tiny holes in the bedspread. Luckily none of this got on me. Now I always cover my strobe with a towel before I open it...just in case.

Elissa Mayo

 

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Splashdown Divers
700 Casa Loma Boulevard, Boynton Beach, Florida, 33435
Telephone 561-736-0712 - Toll Free 877-736-0712 - Fax 561-739-5173
http://www.splashdowndivers.com
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