Insurance company replacement "value" for my system

Any resellers willing to help me out? I am having an issue with an insurance company replacement value for my laptop that was damaged in a lightning strike.

I had a NP9752S, 4790k CPU, 4k Samsung screen, 32GB of Corsair 2133mhz DDR-3, Samsung XP941 512GB SSD, 1TB HD, 2 TB HD, 980m video, Killer 1525 802.11AC wireless in the system. The insurance adjuster says there is no way that a laptop could have 3 hard drives in it and that the equivalent system is a MSI GP62 Leopard Pro-002 with a i7-5700HQ and 950M video card.

We all know that those are not even close to each other. What would you say is the "equivalent" in replacement?

 

I don't understand the reason for this. Just have the adjuster contact the vendor you purchased from or provide links to where this model is sold. Tell them to buy you an identical replacement for what you had and be done with it. There are tons of vendors that sell this machine. The one below was the first link that appeared on Google Page Ranking, so I posted that one because it was convenient. If they contact an authorized Clevo reseller the person the adjuster speaks with can give the adjuster a quote for a machine with identical specs. Even though it may be superseded by a newer configuration, (i.e. Skylake versus Devil's Canyon) there is a current equivalent replacement option and the sales rep can educate your ignorant claims adjuster.

 

How they can believe that someone with a machine like that wont know the difference is beyond me. We sell a lot of machines with more than 3 storage devices (a lot of them can take 4), that would really blow their minds.

SSDs are much smaller than HDDs so they are much easier to fit in more of after all.

 

This was more a comment of the stupidity of an adjuster trying to say that is the equivalency to the system I had. We ALL know that the specs of the first system in comparison to the one they said was equivalent were like having a Ferrari being compared to a base model Ford Fiesta...

 

Well, it should not need to be a complicated ordeal. If you have a policy in force and they try to insist upon offering you a downgrade, simply file a complaint the the state regulatory agency or commissioner's department the adjuster's company is accountable to. Just have your documentation ready to submit with the complaint. I wouldn't burn too many calories arguing with the guy. If he is an idiot or doesn't have a good understanding of what is available, you'll end up wasting time and getting nowhere. Give him a chance to do it right first, but only one. His company may have some kind of special arrangement for nice discounts for insurance replacements and he may be trying to get you to go with that option to save a few bucks on your claim instead of paying what they owe.

 

They are of course free to email us for confirmation that such a spec has and does exist.

 

Their minds would be blown away with my system... 4 hard drives, 2 980ms AND a Blu-ray burner. Insurance companies are something else.

 

How about the P570WM? 3 regular hard drive slots along a desktop hex (or more) core processor?

 

Given it's an insurance claim, I would've thought a simple Invoice/Receipt from the seller (which hopefully you have a record of physically or in email form) should have model numbers etc.

Then it's simply a matter of google.

 

Yeah but the P570WM is in a place of its own. It's not exactly portable. My machine is big but it doesn't require me to carry around two power bricks lol.

 

@zdevilinside In my experience the insurance company would ask the owner of the damaged or stolen laptop to provide the original purchase details - invoice, order confirmation and so on. What happens next comes down to the coverage of your insurance - if your policy will replace your laptop with an equivalent model to as when new, or if the laptop has devalued over time and they would look to (that wonderful phrase) loss adjust. We have been asked to provide engineer's reports in the past to prove that a laptop is dead and components unrecoverable so don't be surprised if they ask for this as well. Sager or the reseller that you bought the alptop from should be willing to give you this report, as you may well replace your laptop with another one from them!

 

The NP9758-S with upgrades is going to be the closest to your model (if you are comparing within Sager models, P750DM is the Clevo model). It is the successor to the NP9752-S when the 4th generation models were discontinued. You may need to clarify that your specific model was replaced with a new version like that one.

I'd agree with the comments above. Point out that you have a higher end system, it is unique, provide links and maybe ask your reseller for any documentation to help out. Send them a link to someone's review or tear-down of the system, to show the amount of drive space, ram slots, etc... if needed. Maybe get some links to show benchmarks and performance differences in CPU, GPU, SSD vs HDD, etc... between the models.

 

Just show him your invoice from your original purchase and that should be enough.

 

Granted, Clevo is not as well known as a good many other names. For them to compare your build to said MSI system, though, almost sounds as though they are attempting to downplay your loss to minimize the payout. It could very well be that they don't believe such a config exists; either way, if you have written evidence and if your seller backs you up, that should be all you need (I wouldn't even bother with entertaining what's comparable).

 

Agree with Prostar 100%. There is NO MSI, ASUS, Alienware or any other brand laptop comparable to the Clevo with a desktop CPU. Anything less will be a downgrade. I would never entertain the notion of allowing an exchange for a BGA turdbook, and that is the only kind currently available from Clevo's competitors.

 

This really makes no sense to me. All of these insurance adjusters require receipts and since 99% of these machines are sold online, sending a copy of the email showing the chosen specs along with the bank draft or credit card statement should more than suffice.

 

Sighs, something tells me that this is an insurance company that is trying to save money at the expense of the customer? Yes yes, I know, they are a for-profit company too which means they need to keep "costs" down but still...

Either way, I am not comfy to be insured by this kinda of company the next time round. Which company is this, if you are allowed to mention its name?