Foo - Should this printer be returned to the insurance company?

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phantomcow2
01-06-07, 03:58 PM
So in October a tree fell on our house, ripped wires off the house, and we had some pretty severe power surges. A lot of appliances were destroyed, including our printer. I really like that printer, it is quite a beast.
It's an HP all in one, probably a good 40 pounds. Has the real photocopier with the moving scan light, has two paper trays which can hold probably 200 sheets of paper. This thing is a workhorse. So when we filed out insurance claim, we put down $250 as a value for this printer. Insurance company (State Farm) said they would either give us 250 cash or just send a printer of equal value via UPS. We figured it would save a hassle, and had them send one out.
So it came yesterday unharmed by the big brown truck. It is the Hp 4135 - dinky. THis thing probably weighs 10 pounds, it does not even have the two trays, does not have a real photo copier table and scanning light, it is cheaply made and you can tell. At staples, I see it for 98 dollars, thats MY cost. The insurance company may pay less! So, this is really not an adequate replacement. Should I fight them?
Hell yeah!
When in doubt, take the money!
phantomcow2
01-06-07, 04:06 PM
I do realize now that not taking hte cash was a mistake.
apclassic9
01-06-07, 04:53 PM
definately send it back!
personnally, I stick with Canon printers, because the ink is cheap.
Send. It. Back.
(Or better yet, deliver in person with a very unhappy look on your face)
What was the model of the original printer?
It sounds like your original was a lot more expensive then $250!!
russiankdi
01-06-07, 09:54 PM
I would take more pictures, and call them and talk to them.
phantomcow2
01-07-07, 07:11 AM
It sounds like your original was a lot more expensive then $250!!
Well we got it on ebay new for about 250 about 3 years ago. It was one of the officejet series printers, I will have to go check on the model. it might be out of production now :(.
We did send multiple images to State Farm
Well we got it on ebay new for about 250 about 3 years ago. It was one of the officejet series printers, I will have to go check on the model. it might be out of production now :(.
We did send multiple images to State Farm
Still if we have the model number we can look up original value. That's what i would do.
phantomcow2
01-07-07, 09:19 PM
Oh,
HP d135
all in one series
Oh,
HP d135
all in one series
SRP was $350 back in Feb 2002 when it was first introduced. That printer was certainly no workhorse, or should i say it wasn't made for high volume, but it is what it is. I would contact insurance company and tell them that the replacement printer lacks some functions and get a replacement.
Edit> Here were the options.
Options
250-sheet tray and duplexer: $159 (web price
Duplexer: $79 (web price)
Jetdirect 200m internal print server: $199.99 (web price)
HP parallel cable adapter: $19.99
Source. WWW.buyerslab.com
DannoXYZ
01-07-07, 09:33 PM
As a business, wouldn't you also have a receipt for the purchase of that printer?
You don't have to show what you paid for it - but what the value of that item is. If the original was $350 then you ought to have a comparable machine regardless if you paid $250 for it.
The insurance company has probably amortized the value down to nothing.
Even tho our LaserJet 4L can print all day long without a hiccup, it's as old as god and insurance would havre it zeroed out in value.
By and large insurance is a rip-off.
My insurance company is supposed to provide replacement cost, which is what it costs to replace with comparable model.
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