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Discussion Starter · #1 ·
My ECP 4500 died recently but State Farm tells me that it should be covered under my renter's insurance.


HOWEVER, they need a company to tell the either the repair cost or that it is not repariable (or too expensive to repair) and then give a replacement cost.


Since I know that the power supply (1700$) is the problem, does anyone know of a company that could give me such an estimate?


How about the replacment cost (hi-rez says 7000$ for a refurb 4500) ?


Should I buy a single chip DLP with the money and spend the rest on my theater?


Any feedback please.
 

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Why in the world would you want someone to give you an unseen estimate for just the power supply? Could very likely be more things fried than that. I'd give them the figures from HiRez and any other place that had one with a higher price. Remember you're going probably have a deductable. Get a settlement for the unit if you can and see what they'd "sell" it to you for. If you play the game their way, you lose. If you make them play by your (legal) rules, you will generally win. Been there, done that, just not with a projector.


Maybe Curt or someone reputable can give you an honest estimate based on worst case unless you have someone local.
 

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Shoot me an email if you need me to fax you a letter on company letterhead.


Curt
 

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So how do you get your renter's insurance to cover the cost of what sounds like a normal product failure? Usually they only cover theft, water damage, or some act of nature thing.


Maybe we all need to insure with State Farm?


Inquiring minds want to know!
 

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Yeah, I was kinda assuming it was damage due to lightning or something similar.
 

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Discussion Starter · #6 ·
First off, thanks for everyone who took the time to read and/or reply to this post.


Schud/Marvin: The unit did fail while I was using it but it did so during a thunderstorm and I did not have the unit hooked up to any protection equipment (i.e. I am retarded and had it plugged directly into the wall). That combined with the fact that (on first appearance) it appears to be the power supply, heavy lighting was in the sky that night, and State Farm does not know anything about projectors means that my state farm agent will at least look at the claim. He told me that if my claim was less than 1,000$ (he did know know what kind of projector it was at that point) , he could settle that day for the cost minus my 250$ deductible.


On a side update I did manage to find a place here that said they would provide me with a written estimate for 50$. I don't think I will be taking them the unit as they had never heard of the Electro-home brand or the ECP series but they "said" they knew of the Marquee series. I told them that the projector had Sony tubes and they said they should be able to at least give me a ballpark figure.


I think I will be e-mailing curt for a total worst case estimate and use that as a starting point for settlement negotiations.
 

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I had a Misubishi VS1202 crt projector at the time a lighting bolt struct down the street. It took out everything in a 3 block radius. It hit a concrete light post (rebar internals) blew the base open and lifted the side walk about 10", A lot of my neighbors lost there TV,s and telephones. I had thought my projector got hit, so I called my State farm agent to come out and take a look. In the intererm I happened to check my breaker box and it had tripped a circuit breaker instead of taking out my projector. Called the insurance back up and cancelled. My insurance that year went up almost 100$ even though I hadn,t made a claim, and it had never gone up once in 10 yrs. You just gotta love those insurance companys
 

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Colemab: Get a real projector professional to do a good job diagnosing it and get a real estimation of whether or not it is repairable. Do NOT settle for used parts, IF brand new parts are not available it would be unrepairable. In that case, the insurance company is responsible for replaceing it, regarless of what you paid for it, or how much a repalcement costs. You are NOT obliged to buy a USED or even REFURBISHED projector AFAIK. This would mean, if the projector is no longer available, you should be entitled to a COMPARABLE new projector, even if this means you have to get a brand new Barco Cine 7 because its the only 7" crt projector still avialable. Don't settle too easily, insurance companies make TONS of money, if you have a valid claim, pursue it in your best interest, remember, you are the only one who will protect YOUR interest.

PS: Ask if your insurance company will cover a good surge protector too, as this is in their best interest and they will likely cover this.
 

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Paul and Colemab,


I really doubt the insurance company is on the hook for anything over fair market value less the deductable. What you are saying Paul, if I read you right, is they have to repair or replace no matter what the cost. Maybe insurance is different in Canada. Down here, no way. That would be like saying my 84 Ford Escort (worth no more than $500) was in a wreck and suffered damage that would cost $2000 to repair and if parts weren't available, they'd have to buy me a new BMW. Wishfull thinking.


That said, if you have a good insurance company, based on personal experience, they will work with you. In fact, you might come away better. How? Get some retail pricing from places like crtcinema, Hammerhead, Curt etc on a good ECP and give it to them. What you should net should allow you to replace your projector with as good or better or worst case paying your deductable and getting from Curt etc. That is assuming repair would cost more than replacement and that's a reasonable assumption if it took a power spike from a nearby lightning hit.
 

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I had a customer who we had just done a convergence to who had a 1208 and had it for a few years. He is really into his equipment and have very good surge supression on all of his stuff, except foe the sat line in.

Not a week after we did his setup, a bad series of storms came through, hit his sat dish (or close) and took out everything that was attached to that including the 1208 which was getting sat via a HTPC through SVideo into the HTPC and RGBHV into the 1208.

He had full replacement value on the equipment. We determined that the 1208 wasn't salvageable since we might be chasing gremelins forever due to lightning damage, and the high cost of replacement Barco parts. We filled out a form to the insurance company that indicated this. They told him to find a replacement PJ and that his allowance was $6K, which was what he had paid for the 1208 a few years ago. He bought a 20 hr G-70 to replace it from me.

The insurance company took it's time and it took him about 3 months to ret fully resolved. But they came through and he got what he paid for, full replacement value.

The insurance company said they would be buy to collect all the damaged equipment, but they never did.


Terry
 

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Chuchuf: Thats exactly what I mean.

IF you have FULL REPLACEMENT VALUE insurance (which is worth the extra cost IMHO) the insurance company doesn't really have a choice. They can delay and hum and haw about it but IF you pay for a FULL REPLACEMENT VALUE insurance, they must replace it at your discretion. I did NOT say they had to give you an UPGRADE(ie, Ford Escort to BMW), only the readily available equivalent replacement. You may have to argue with them about what consittutes that if you ask for a pj which isn't obviously equivalent, and may need an outside expert to adjudicate equivalency, but IF you have FULL REPLACEMENT VALUE insureance, you're covered.

Just stand up for what you paid for.

Also, automobile insurance is not a good example of another kind of property loss. Automobiles are fairly easily quantifyable commodities and the insurance industry has been able to standardize claims procedures to their favour. That being said, about 7 years ago, I had FULL RELACEMENT VALUE insurance on a new automobile that was stolen, and I did receive every penny I paid for the car, including taxes.

With insurance, you get what you pay for. If you go to a cheap assed company and haggle your rates to the penny, expect similar treatment in return when you make a claim.
 

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Quote:
Originally posted by gn2
I did NOT say they had to give you an UPGRADE(ie, Ford Escort to BMW), only the readily available equivalent replacement.
Actually, what you said:


"even if this means you have to get a brand new Barco Cine 7 because its the only 7" crt projector still avialable."


To my way of thinking, that would be an upgrade. Why would or should they give you a brand new $10,000+ projector for a 10 year old used one that is somewhat commonly available for under $2K. If they buy him a new Cine 7, I'll be switching to his insurance carrier. That said, you Colemab, you might show this to them:

http://www.hometheater1.com/proj.htm
 

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Discussion Starter · #13 ·
Yea, I saw that page. Hi-Rez sells used (refurb) ECP 4500's for $6595. I am going to use that as a starting point. I have talked to my agent and they know I am going to file a claim after:


1. I get a fax from curt stating his replacement estimate.

2. A print out of the above hi-rez page.

3. A written repair estimate from my local shop.


If the repair is > 2,000$ (HVPS = 1700$ alone) then I think I will settle for the buying me a mid range Infocus DLP.


So lets ASSUME FOR JUST A MOMENT, they gave me 3k.


What is the best DLP projector (new or used) I could get with 3000$ ?
 

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Wrong forum for that, most here don't like DLPs. Try asking that question in the digital forum.


I'm going to assume for a moment that we would see said DLP projector on ebay, with posts here requesting names of reliable CRT sellers. Of course, only after your insurance company settles with you. :D
 

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having had a dlp projector first,and thinking it was the cat's meow for the first 50 hrs it sat in the box for several months .than by chance i went to a local tv repair shop looking for some parts to a tv i was repairing and got to talking with the owner,to make a long story short i walked out with a 300 hr nec xg750 he got from a local bank retrofit.now this is the cats meow,and promptly sold the dlp and will never go back.all i can say is go demo a dlp than you will thik twice before you drop the coin on a paper weight.

my 2¢
 

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Discussion Starter · #16 ·
And the Saga Continues . . .


OK first off let me state that I went and demo'ed a DLP setup and I found its quality to be seriously lacking (at best!) to the CRT.


Well before demoing that DLP, I went to the only video / electronics shop in my town who even knew what a CRT projector was. The guy said that he had never heard of the Electrohome brand and could not work on it with out the service guide. I asked him if he had Internet and he did. I took him to ECPresource.com and showed him the service seminar notes PDF with the block diagrams. He said that the block diagrams did not have the information that he needed and he would not even take it in to give me an estimate w/o the detailed design diagrams. I told him about avs forum and how hi-rez was selling refurbed 4500's like mine and he said that because people were repairing this projector that someone out there has the diagrams he needs.


Anyone got above diagrams? Please contact me.


Ok so now I don't have anyone (within driving range) who will even look @ the PJ to give me an estimate and my StateFarm agent wants an estimate, letter saying it cannot be repaired, or a signed affidavit from a quailifed 3rd party saying that the projector did not stop working as part of normal operation (i.e. lightning / surge problems).


What is the best way to go about fixing the projector?


Am I better off selling the parts and getting another used CRT?


Anyone in the South East USA have experience with ECP 4500's? I would be willing to drive a few hours if I could repair my beloved PJ.
 
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