The Value of Good Insurance | St. Augustine Family Photographer
This past weekend I had the most horrific thing that could ever happen to a photographer happen to me. I broke my camera and lens. I still wince even when I type the words. I was at Harley Davidson in Daytona Beach when it happened. My husband's company sold them some LED lights for their showroom so I was taking the after photos. My tripod had been acting up lately and I should have taken that as a sign. When I would set up my tripod sometimes one of the leg joints would give out. The latch wasn't tight enough to hold it up and because my tripod was cheap there was no way to tighten them. Although at the time, I didn't know that's what was happening. I just thought I didn't latch my tripod leg all the way, so sometimes when I was taking a long exposure, it would start to lean.
Well, this time I left my tripod unmanned to remove some stuff from view. Don't judge. You know we ALL do it. The leg gave way. I did see it happen fortunately, or else I might have had a passed out. All I heard was the crash and the slew of profanities that left my mouth. I ran over to my camera and saw that the lens essentially broke off at the mount. The mount for the lens was still attached to the ring. Luckily no glass was broken. I didn't notice it at the time, but the top of my camera body was cracked. It still seemed to function normally, but we needed to get that fixed too. Fortunately, as a member of the Professional Photographers of America, my gear is covered. I called the insurance company and immediately spoke with a representative. No automated service. I was impressed. They emailed me the packet of info I would need to start a claim that day. They told me I could take my gear anywhere to get it fixed and get a quote. It was so great to see God's providence that day. We were already headed to Orlando for our anniversary trip. It just so happened (dont you just love those) that the biggest Canon representative in the state of Florida is in Orlando. So we swung by. They quoted me for the work and then pointed me in the direction of the nearest camera rental facility. Which, as it just so happened to be right down the street. We luckily went over there and were able to get a rental. They aren't open on weekends and I had a shoot scheduled for Monday. So I HAD to get a camera. All the while I had 2 clients call back and book sessions. It was just awesome to see how God took care of us in what would otherwise be a stressful situation.
So if there is any takeaway from this situation, GET INSURANCE ON YOUR GEAR! You can't afford not to. I highly recommend the PPA. Just by being a member, you have insurance up to $15,000. Awesome! Needless to say, I threw away my tripod and bought a legit one. Here are the last photos my camera took of the broken lens.