Quick Advice On Replacement TV - AVS Forum
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post #1 of 7 Old 01-24-2013, 08:54 AM - Thread Starter
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I was burglarized and they got my Samsung LNT4061F 40" 1080p LCD. I have ‘replacement’ insurance as opposed to ‘actual cash value’ coverage – which is a topic all on its own.

Basically, ‘replacement’ coverage equates to them supposedly not just giving ‘actual cash value’ for my television – which would have meant it depreciated at what they figure to be 50% for a 5 year old television. So, what they do to you is they find what they consider to be the ‘replacement’ with the same tech as your television (or other item) and in my case – they claim that my $1,150 Samsung is now equal to a like less than $450 television (which it is not, but they claim they are willing to negotiate that).

That might be all well and good, but what they do then – is they only pay out 50% (depreciated value or actual cash value) of the less than $450 until you purchase the item they approve as ‘replacement’ – which is yet to be determined. Following me? They are essentially wanting to give me like $233 dollars upfront for ‘replacement value’ on what might otherwise presumably be nearly $700 for simple ‘actual cash value’ by their own estimation of depreciation.

So, I’ve got to make the argument that I’m not accepting just whatever television that they claim to be equal to mine. I bought a higher end LCD when I purchased that had 3 HDMI and 2 Component connectors, etc. Not the cheapest set I could find with a 40” screen which is more or less what they would like to claim as ‘replacement’ if I can’t argue a case I suppose.

The Samsung website shows that their E7500 Series televisions have 2 component connections, but I’m not seeing that reflected elsewhere on their own website or Best Buy, etc. I know component connectors are not the current standard, but I have legacy components that only have ‘component’ connections that are not all that old. A Panny C72 for starters and my old Xbox, etc.

Am I missing something? Do they actually not make any televisions with more than one component input? Any advice on negotiating this ‘replacement’ coverage business would be appreciated btw. I’m trying not to flip out over what they’ve brought to the table as their settlement of the claim.
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post #2 of 7 Old 01-24-2013, 11:26 AM - Thread Starter
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I’m still trying to process just what they presented to me, but this is the ‘replacement’ in the ‘valuation report.’

http://www.bestbuy.com/site/Samsung+-+40%26%2334%3B+Class+(40%26%2334%3B+Diag.)+-+LCD+-+1080p+-+60Hz+-+HDTV/4833565.p?id=1218538974886&skuId=4833565&st=ln40e550&cp=1&lp=1#tab=specifications

Samsung LN40E550

Not quite the television that I had stolen by many measures. Including only 2 HDMI inputs vs. 3 on mine, 1 component input, etc. it’s just generally inferior. It looks inferior beyond the tech specs.

If anyone has any suggestions for in the least a more suitable ‘replacement’ please do advise. They are being pretty generous in other areas of my claim. I really haven’t put a pencil to it to see if it balances out or not, but if anyone has suggestions please let me know.
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post #3 of 7 Old 01-25-2013, 10:47 AM
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Number of component inputs is down to 1 on virtually all sets these days. The Sony ex640 and Samsung ES6100 series sets have 3 HDMI, the Panasonic E-50 has 4.

When you bought your old set mfgs still offered their high end models in the 40" screen size--this is no longer the case and is leading to frustration for people in your situation. Couple this with the shift away from analog inputs like composite, S-video, and the universal reduction of component inputs to only 1 (which in most cases actually does double duty as a composite input) and the situation is worse. Getting more than two HDMI also means getting an LED backlit model with 120hz, both of which your insurance company will probably consider an impermissible upgrade from your old set as far as "comparable features".

You might end up having to negotiate the best allowance you can from your insurance company and making up the difference.

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post #4 of 7 Old 01-25-2013, 11:33 AM - Thread Starter
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I’m actually considering seeing if they will do just that and approve a Samsung 6100 Series and beyond that I’m going to ask for a 46” to recoup some of the lost functionality that I am going to suffer for the far more lacking connectivity that I will get with even the 6100 Series.

The adjuster said he might approve a 46” already, but he may be talking strictly about sticking with LCD 60hz. I won’t know until I ask I suppose. I appreciate you taking the time and understanding what it is that I am facing.
If you or anyone else has arguments that I can make for a set that is at least somewhere in the ballpark of the set that I had previously; please feel free. I’m not super enthused about the reports I am seeing on Samsung having taken a dive in quality since I bought my previous set from them.
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post #5 of 7 Old 01-25-2013, 12:06 PM
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Quote:
Originally Posted by Steve S View Post

Number of component inputs is down to 1 on virtually all sets these days. The Sony ex640 and Samsung ES6100 series sets have 3 HDMI, the Panasonic E-50 has 4.

When you bought your old set mfgs still offered their high end models in the 40" screen size--this is no longer the case and is leading to frustration for people in your situation. Couple this with the shift away from analog inputs like composite, S-video, and the universal reduction of component inputs to only 1 (which in most cases actually does double duty as a composite input) and the situation is worse. Getting more than two HDMI also means getting an LED backlit model with 120hz, both of which your insurance company will probably consider an impermissible upgrade from your old set as far as "comparable features".

You might end up having to negotiate the best allowance you can from your insurance company and making up the difference.
Steve, my Sony EX-640 has 4 HDMI inputs, 3 on the back and 1 on the side. Don't know about the new EX-645.
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post #6 of 7 Old 01-25-2013, 12:44 PM
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Quote:
Originally Posted by Fastfwd View Post

I’m actually considering seeing if they will do just that and approve a Samsung 6100 Series and beyond that I’m going to ask for a 46” to recoup some of the lost functionality that I am going to suffer for the far more lacking connectivity that I will get with even the 6100 Series.

The adjuster said he might approve a 46” already, but he may be talking strictly about sticking with LCD 60hz. I won’t know until I ask I suppose. I appreciate you taking the time and understanding what it is that I am facing.
If you or anyone else has arguments that I can make for a set that is at least somewhere in the ballpark of the set that I had previously; please feel free. I’m not super enthused about the reports I am seeing on Samsung having taken a dive in quality since I bought my previous set from them.

If they will go for a 46 you might hunt around for an LN46D630--conventional LCD, 120hz, two component ins, 3 or 4 HDMI, and iirc it does have separate composite input, still lacks S-video. This was a 2011 model and Samsung's last stab at an upper-midrange ccfl backlit lcd.

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post #7 of 7 Old 01-25-2013, 12:47 PM
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Quote:
Originally Posted by BoilerJim View Post

Steve, my Sony EX-640 has 4 HDMI inputs, 3 on the back and 1 on the side. Don't know about the new EX-645.

Thanks for the correction.

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