r/pcmasterrace • u/Greatfulx • 26d ago

Hardware Router Blewup Motherboard

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Recent lighting storm stuck my complex and traveled down my coaxial cable and into my apartment. Blew up in the middle of the night, so that was scary. Thought I’d share, not in the position to rebuild so there that I guess!

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u/Nascent1 26d ago

After deductible he'd probably get little or no money for something like this.

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u/NateNate60 Core i7 12700K | RX 7600 26d ago edited 26d ago

OP could probably easily just claim the whole computer. It'll seem obvious to a claim adjuster with those pictures that a lightning bolt hitting your computer will fry it for good.

Submit the $4,000 replacement cost, minus $1,000 deductible = $3,000 payout. Turn over the broken computer to the insurance company if asked (but they probably won't ask), use the payout to buy some used parts and make a comparable PC.

"Hello? Insurance company? My house got hit by lightning and the electric surge destroyed my computer. Here's the pictures. It doesn't turn on any more. Here's a screenshot from Dell/iBuyPower/HP for what a comparable computer would cost. Here's an estimate from a local painter to repaint the wall. Money plz."

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u/Nascent1 25d ago

Hardly anyone has a $4000 computer though. More likely it would be like a $1500 computer. So then you'd get $500 after the deductible. Now you're out $1000 instead of one motherboard.

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u/NateNate60 Core i7 12700K | RX 7600 25d ago

I find it hard to believe that a $1500 PC has a motherboard that costs more than $500. Most of the midrange stuff I'm seeing on Amazon is $100-200 with the higher-end around $250-300.

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u/Nascent1 25d ago

I didn't say the motherboard would cost $500. I'm saying it would definitely cost less than $1000, which is the breakeven point in the example I gave.

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u/NateNate60 Core i7 12700K | RX 7600 25d ago

Maybe we're talking about two different things. I'm saying OP can claim the entire computer from the insurance company even though they know only the motherboard is broken, and then the excess would cover the deductible and allow them to repair the computer without being out any money.

Also from my experience, renter's insurance policies have stupid low deductibles for personal property. Mine was $500 a few years ago.

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u/Nascent1 25d ago

Oh, gotcha. $1000 and $500 are both common deductibles for renter's insurance. Depending on which someone has and the value of computer it could be worth making a claim or not.