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NWGratefulDiver
June 5th, 2012, 02:18 PM
I think these people are fraudulant.

In January I renewed a policy I've been carrying for three years with them ... just prior to leaving for a trip to the Maldives. During that trip, I flooded my camera. Upon returning home, I processed a claim for that flood. I did everything they asked me to do ... then the waiting began. After two months with no response, I emailed Dixie, asking to cancel my policy, since it was obvious they weren't going to honor the claim. I got a reply in late April, stating that the check for my claim had been cut, and would be mailed out the following week ... but that if I wanted to cancel my policy they would do so.

That was more than a month ago. I've neither received the check for my claim, nor a rebate for the remaining nine months on a policy I had paid for and cancelled.

My recommendation for those of you who are using DEPP for flood insurance ... or for anyone considering to do so ... is to look elsewhere. These people don't operate in good faith.

... Bob (Grateful Diver)

Allen Herron
June 5th, 2012, 04:02 PM
Actually, I have had 3 flooded camera claims with them over the last 6 years including last may. They are slow but they have always come through.

NWGratefulDiver
June 5th, 2012, 06:07 PM
Compare that to my homeowner's insurance ... Traveler's. Two weeks ago someone broke into my car and stole several thousand dollars worth of equipment. I contacted Traveler's on Wednesday ... by the following Monday I had a check for the claim in my possession.

... Bob (Grateful Diver)

Doubler
June 5th, 2012, 08:28 PM
Bob,
I'm with you. I bought a new housing and sent them an email requesting info on adding it to my policy. Two months later it was time to renew, as I had not received any correspondence I sent them a cancellation notice. Got a response with in 10 minutes. I am now with the DAN associated company. You are not the first to complain and deservedly so. We spend good money on this coverage.

NWGratefulDiver
June 5th, 2012, 10:42 PM
Well, according to Dixie, they cancelled my policy as I asked. But they never refunded my premium ... so now I have neither coverage nor money.

This was my last correspondence from them ... dated May 2 ... five weeks ago ...

Your claim was sent to underwriting 4/17/12. The funds were received 4/30/12 for distribution. Your check will be issued 5/4/12. I will send your e-mail to the appropriate person for cancellation.

DEPP Customer Service

Obviously, the check was not issued when Dixie said it would be ...

... Bob (Grateful Diver)

Cave Diver
June 5th, 2012, 11:07 PM
Well, according to Dixie, they cancelled my policy as I asked. But they never refunded my premium ... so now I have neither coverage nor money.

This might be why:


The other thing that I don't like about DEPP is that you cannot cancel your policy and get a refund of the remainder of your policy premium. According to DEPP's terms and conditions, once the premium is paid, it is earned at the time of payment and non-refundable.


Quoted from this thread: http://www.scubaboard.com/forums/underwater-photography/372138-so-much-depp-insurance.html

Might want to have a look at this one as well: http://www.scubaboard.com/forums/basic-scuba-discussions/345517-help-depp-claim.html

NWGratefulDiver
June 6th, 2012, 07:39 AM
So in other words, I paid a year's premium for three months worth of coverage on a claim they won't pay.

Sounds like a sweet deal for the insurance company ... these folks deserve to go out of business.

... Bob (Grateful Diver)

drbill
June 6th, 2012, 11:15 AM
I'm still waiting for a check on a claim I submitted a year ago when my two dive computers and other gear was stolen.

I just checked my e-mails from DEPP/AWRY and found that they said they were cutting a check back in March (which I don't ever remember seeing) and extending my insurance a year because of their error in paying the claim timely. I sent them an e-mail asking where the check was. Even the USPS usually isn't THAT slow in delivering mail, even to the island.

ilee1990
July 2nd, 2012, 04:23 PM
Well, I have filed 2 claims in the past and both were paid very quickly. I just filed another one last week for a flooded canister light. Sent them the repair estimte from Dive Rite. No response from Dixie. I've sent 2 followup emails asking how long before I hear back--no response. I just sent another email telling her that I have been reading about their poor customer service and lack of claim payment. Asked her to respond and basically threatened to contact my lawyer if the same thing that happened to Dr Bill happens to me ( I didn't name him). The difference is that I am giving them another week, not 6mos - 1yr. I will probably go through the Better Business Bureau first. I've had very good success in the past with them.

Hmmm...How many people do you need for a class action lawsuit anyway? I'm concerned because my premium, which I just renewed in April, runs about $550/yr. That's a significant amount of money to lose. I can't use DAN since I am a resident of Alaska and they don't cover us here.

Doubler
July 2nd, 2012, 10:21 PM
It is a DAN advertised/associated company and not DAN. I'd drop them and email and ask if they cover Alaska. They were cheaper too.

BurhanMuntasser
July 3rd, 2012, 12:54 AM
What good alternatives are there to DEPP besides home insurance?

Utila Simon
July 9th, 2012, 10:38 PM
Dear Bob, you are in good company.
My story is that I suffered an insured loss back in April 2011. I made a claim from Belize where I was working at the time. I didnt send the paperwork by courier so of course they "didnt receive it" so I made the declaration, got it notorised again and sent it by fedex this time. Then the fun really started. They do not have a telephone line so you cannot call, you have to email. I averaged 3-4 emails before i got a response and usually at least 3-4 weeks wait each time. Dixie bulls**ts you and leads you on and when you reach just the right level of stress they pass you on to the Broker, Deane, who is the voice of reason and sends a lengthy email about how its all the consumers fault that they are slow to pay. Then he bulls**ts you around for a few months too. They appear to comunicate with each other by email and you get the impression that he works for a different company (IPG) , but as they are married this is clearly crap too and they almost certainly run this little scam from their home.
I eventually got approved for my claim in October last year. They did no investigation, asked for no proof and I thought this strange. but then of course they had no intention of paying!
Its now July 2012 and still nothing. they no longer make any pretence of their intention to pay. they do not respond to me and I am pretty pissed.
My claim is worth $3500 and I intend to do what I can to get my money.
I work as a Cruise Director on a liveaboard so each and every week I tell my story to the photographers who come on the boat, my intention is to cost them as much lost premium as I can. I have already persuaded two of their existing customers to switch to H20 insurance through DAN at renewal time.
Also, one of the guests on my boat works as a Private Investigator and he is working on it for me, for free. I will keep you updated on what happens... he already has some information on them that maybe they would prefer I didnt.
Another of my recent guests is in the Insurance business and knows the Insurance Commissioner for Kentucky and promised to do what he can to help.
I suggest you:
1) Contact the Kentucky State Insurance Regulator/Commissioner (I forget their proper name, but its easy to find). make a complaint, it might help, but it might not.
2) Do not stop emailing- do not give up
3) Spread the word to everyone you meet in the diving world
Best
Simon

Warren_L
July 10th, 2012, 01:15 AM
I did not renew my policy when it expired at the beginning of the year, primarily because of all the negative reports. I had a policy with them for 8 years, and about 3 years ago I started sensing problems. Just odd things like my emails not getting through, and phone calls not being returned. Though things got sorted out, there were more and more stories of legitimate claims being denied or stories of "cheque's in the mail". Anyway, I figured there's no point in having a policy if I can't be at all confident they will pay if I need them to. Plus when I inquired about adding a pricey piece of camera gear to my policy, they had to re-insure it at 20% of the cost, which at that rate, I'm better off self-insuring. Anyway, too many warning signs, so I said adios DEPP.

Utila Simon
October 9th, 2012, 10:16 AM
Dear all who have had problems with DEPP...
I am have just submitted 20 plus pages to the Kentucky Insurance Commissioners Office in support of my official complaint and would appreciate a 1 paragraph from you by private message explaining the nature of your problem with DEPP, whether they have paid you, how long it has/had been going on and your impression of dealing with the Lehrmitts.
If you would do this asap, like yesterday, I would appreciate it. Of course I will be happy to pass on the result of my complaint including the guy at the Commissioners office's contact details.
Kind regards to all
Simon

ScubaSteve
October 9th, 2012, 10:29 AM
It would be nice for an insurance company to be set straight. For too long they (and not just DEPP) have been able to live by their own rules and interpret events and words as they see fit to best suit their needs. I for one do not have DEPP insurance but do hope they suffer financially for all their failures to their paying customers.

drbill
October 9th, 2012, 11:12 AM
DEPP has really angered me as well. A year ago June two of my dive computers and other assorted dive gear was stolen by someone here on Catalina. I filed a claim with DEPP and they requested the police report which I sent them. Last winter they claimed the check would be in the mail shortly. It never arrived. I contacted them again and was told they would re-cut the check and extend my insurance for another year as compensation for the delay. It is now October and the promised check has not arrived. These people are charlatans IMHO.

nimoh
October 9th, 2012, 11:19 AM
I think I should start my own dive equipment insurance company. $500 for a lifetime policy, I could probably realize a sizeable profit before word gets out that I have no intention of paying any claims :)

awap
October 9th, 2012, 11:44 AM
DEPP has really angered me as well. A year ago June two of my dive computers and other assorted dive gear was stolen by someone here on Catalina. I filed a claim with DEPP and they requested the police report which I sent them. Last winter they claimed the check would be in the mail shortly. It never arrived. I contacted them again and was told they would re-cut the check and extend my insurance for another year as compensation for the delay. It is now October and the promised check has not arrived. These people are charlatans IMHO.

I think I have figured out how they can afford to give away a FREE year of insurance coverage.:rofl3:

longipalmus
October 16th, 2012, 10:39 AM
Back in 2006, I was working at the time on a liveaboard in the southern Red Sea and also doing tek diving. Starting a 100 m trimix dive( bubble check, etc) at 40 m bubbles started coming out my video housing...result: Housing and camcorder totally flooded.

To be honest after 2 years fighting with Depp I dropped.

the nature of my problem with DEPP,

In 2006 I filled a claim for my flooded equipment. leaving abroad, our correspondence was mostly trough e-mails ( also mostly one way).
- I called and faxed many times, twice Sandy Hall hanged up on me
-e-mails, most got no answer
-sent registered letter that came back to sender

Sandy Hall- Depp came up with all kind of different things, they could not process my claim without ...:

- having me to go to an official Sony dealer, so they could do an estimate to fix the camcorder. No need to tell that in South Egypt, Sony official dealers are based in every camel shop... with one free day a week, impossible to go to Cairo (600 km-one way)
I had to wait to return to Europe on my yearly leave, to get this gear checked by the original shop it was purchased from. They threw the "dead" camcorder in their garbage bin in front of me and another witness.As for the housing they sent it to the original manufacturer for an estimate.
- This shop provided me with two estimates invoices sent over by regular mail and e-mail to Depp, The prices where nearly the new prices for new items as camcorder wasn't to be fixed and fixing the housing with new parts and labour wasn't worth it compared to a new one.
- Sandy Hall argued the shop estimates, even as Serial numbers where identical as on original proof (invoice ) of purchased;
-Then she argued that the repair estimates wasn't in English...they had to let it translate...
- Then she argued The VAT (valued added tax)...

Tired of dealing with her I contacted a legal advisor who did contact them

whether they have paid me, =Never
My last contact trough the legal advisor with Depp - Deane Lehrmitt back in 2008
They wrote they send a cheque which I never received(of course).
When I asked to which address it was send, it wasn't the right one.
I provided another address where to send it. The last e-mail was :
- where did you send the cheque and have you done that ?
and never replied...

how long it has/had been going on
over 2 years .Still pending..

impression of dealing with the Lehrmitts.

A scam. They avoid to pay but are happy to get money in.

we're talking about 3339 us$.

No need to say, this video equipment was also part of my business, so not using it to sell dvd's to customers was also another money loss.

I still have most e-mails from Depp (saved in raw-format) espacially the most important saying they will send a cheque.

My apologies for my English , you understood I'm not native

in fact they took advantage of me living far away (in Egypt- France -Seychelles).

No doubt that if there was a chance if could pop up in their office they would have handled me with a little more respect.

ps: I posted a looooong time ago on this same forum about my experience. some of my post have been erased by moderators for duplicates (ok, i'm sorry but I was angry). I remember this guy DocVikingo guy(medical moderator) replying, sending me pm's to take the p**ss and telling me what a fool I was and nearly a liar.
Well honnestly It seems I 'm not the only one then.

drbill
October 16th, 2012, 11:19 AM
I think I have figured out how they can afford to give away a FREE year of insurance coverage.:rofl3:

I think you're right... that certainly hadn't escaped me and means I'm currently uninsured. Fortunately I have the e-mail saying they "extended" my policy and will take them to court if I have a claim during that period.

Doubler
October 16th, 2012, 01:33 PM
Have any of you guys contacted Dive Assure? I sent Dive Assure an email explaining that I was dropping them as my dive travel insurance because their website recommended DEPP. I told them DEPP was sullying Dive Assure good name. Maybe more pressure on Dive Assure could get them to pressure DEPP into responding.

hsoler
October 17th, 2012, 12:17 AM
Go with DAN's recommended insurance. DEPP-AWRY has been stringing me along for 5 months with silly delays. Still no check on a very small claim, and they only want to reimburse for the cheapest camera price they could find on eBay! NOT what they advertise in the policy.

hsoler
December 3rd, 2012, 08:26 PM
DEPP/IPG whatever you know them as is apparently completely unavailable. No response in a month to any email and I have been unable to access any AWRY web sites. I still have one outstanding claim. Just a warning that you should cancel any cards with them and get DAN equipment insurance instead! Bankrupt? or just walked away from obligations? I don't know at this point.

Oldbear
December 4th, 2012, 12:56 PM
Wow...I was just looking at DEPP. I found them thru a series of links that started at Whiterspoon Individual Dive Prof. Insurance. It seems that for all of the good I heard about Whiterspoon there is equally or more bad about DEPP. I WON'T be going to with DEPP.

I consider this thread money saving for me.

Thanks SB...

~Me~

drbill
December 4th, 2012, 01:04 PM
I'm STILL waiting for DEPP to settle my claim after about 16 months. No response to my e-mails. I had another claim that I contacted them on and got no reply. Fortunately it was settled by the manufacturer as it was under warranty. These folks need a good lawsuit! What charlatans.

farmerbob
February 3rd, 2013, 04:40 PM
have you ever received any response from DEPP. I have also been waiting to receive my reimbursement check. Have you tried contacting Kentucky state board of insurance?

---------- Post added February 3rd, 2013 at 04:53 PM ----------

Did you contact Kentucky State Insurance Board? Have you opened a case? I would also like to file a complaint to. Please let me know what you have found out.
Robert O'Donnell
2726 shelter Island Drive #494
San Diego, CA 92106-2731 619 850 6928

Doubler
February 4th, 2013, 11:36 PM
I know this thread was started by Bob last June but I am here to inform you that "in a sense you are all wrong". Undercurrent got a hold of DEPP and they got an answer, their system has been down since 16 November and is now restored. So all you people that have been waiting for months for a reply there is your answer and the check will be in the mail. The system was down I mean "Hard Down", down so hard it blocked phones and snail mail.it is a wonder that cell phones operated within a mile it was so hard down. I sent Undercurrent an email and threw the BS flag on that answer, I particularly loved the "In a sense he is wrong" reply from DEPP

Utila Simon
February 5th, 2013, 06:41 AM
Doubler- LOL.... I just read that Undercurrent article, utter BS... but at least they got a reply from that arrogant ass Deane Lehrmitt.

To update subscribers to this thread here is where I have got to in pursuing my claim against DEPP:

During a short hospital stay last year I put together a complaint against AWRY/DEPP/Lehrmitts and submitted to "Kentucky Department of Insurance, Consumer Protection Division" online, then sent supporting documentation including policy documentation, proof that the policy was effected and the coverage showing the items I was claiming for were covered. I also sent the claim documentation and a chronological summary of each relevant email that passed between them and I over a period of 18 months or so. It was quite alot of work, but I am very motivated in my pursuit of these people.

I wont say that things have moved quickly, they promise a 2 week turnaround in their cases and I have been 6 months so far. I believe that the Lehrmitts are experts in gauging exactly how long they can wait before they HAVE to respond and I am sure I am not the only case that the Officer assigned to the case has to deal with.

I have spoken to the Officer in question twice, his name is Rodney Hugle, and he has been honest and straightforward with me throughout. He reported to me the following:

1) The Lehrmitts have (eventually) responded and they now claim that I am not eligible for the money because I did not replace with EXACTLY the same equipment as lost. (This despite the fact that emails clearly show they knew and approved the claim)
2) As a result of my evidence, the Lehrmitt's response and the fact that HE CANNOT FIND ANY EVIDENCE THAT THEY ARE LICENSED TO BROKER INSURANCE Mr Hugle has contacted his legal department. (I made sure he knows that DEPP continue to solicit business from the diving community)
3) The fly in the ointment is that they want me to file in the state in which the insurance was purchased. I explained on the telephone that I am a non-US resident (I am a Cruise Director on an Indonesian Liveaboard, which makes communication hard!) and asked if that therefore means I have no entitlement to Consumer Protection. He didnt realise this and has picked up the file again.

I will call him again tomorrow and will update this then.

So... Farmerbob, Drbill at al... you have to contact the Insurance Commisioners Officer in the State in which you purchased the insurance. I think it would serve us all if you would contact My Hugle with a copy of your complaint, maybe Kentucky will deal with these people once and for all.
If you are a non-US resifdent contact Mr Hugle, his email is Rodney.Hugle@ky.gov, his office telephone number (502) 564-6034. I have found him to be very approachable and helpful, also look at the website which you can search for online.

I am determined to see DEPP made to pay.

Wishing you warm waters and good vis...
Simon

farmerbob
February 6th, 2013, 12:36 AM
Dear all who have had problems with DEPP...
I am have just submitted 20 plus pages to the Kentucky Insurance Commissioners Office in support of my official complaint and would appreciate a 1 paragraph from you by private message explaining the nature of your problem with DEPP, whether they have paid you, how long it has/had been going on and your impression of dealing with the Lehrmitts.
If you would do this asap, like yesterday, I would appreciate it. Of course I will be happy to pass on the result of my complaint including the guy at the Commissioners office's contact details.
Kind regards to all
Simon

Dear Utila Simon : I have attempted to file a report with the Kentucky Insurance Commissioners Office. I have spoken with a man named Rodney. My claim with DEPP is aproximately
12,000 dollars I filled my claim with DEPP in October of 2010. They sent me partial payment of 1,400 dollars. Deane Lehrmitt told me that my claim had accidently been closed and would have to be resubmitted. Yep that was a year ago and I have not received any additional payment. Would you please sent me any information on the Lehrmitts. I am planning on filing complaint with California Insursnce Commission.

Thanks for any help in this matter. Please email me the information to famerbob@cox.net

Sincerely

Robert O'Donnell
2726 Shelter Island Drive #494
San Diego , CA 92106-2731

drbill
February 6th, 2013, 11:23 AM
Their system being down since November does nothing to explain the failure to pay prior to that on a claim from June of 2010. I expect to see a check in the mail when I get home today.

Doubler
February 6th, 2013, 02:22 PM
Makes me wonder how deep Undercurrent investigated before printing the story.

Utila Simon
February 7th, 2013, 03:40 AM
That must be the same Rodney. Did he tell you to file in CA? I would contact the California District Attorney's office too, see if they can help. I remember reading that someone else got some joy having filed with the DA is California.
I will dig out the info on my claim and send you what I did so you have something to work with.
Best
Simon

---------- Post added February 7th, 2013 at 12:45 AM ----------


Makes me wonder how deep Undercurrent investigated before printing the story.

They should stop giving these people the benefit of the doubt... the smell of BS wafting up from the DEPP office in Kentucky is making me gag!

drbill
February 7th, 2013, 11:52 AM
No check in the mail when I returned from the Bahamas. Grrr.

---------- Post added February 7th, 2013 at 07:56 AM ----------

I've used Undercurrent's Chapbook in the past with great results, but I saw a piece they did on alleged collusion and "price fixing" here on Catalina a while back and wrote Ben Davidson to tell him I thought they did not look closely enough at the matter to report the real facts. It was disappointing.


Makes me wonder how deep Undercurrent investigated before printing the story.

BurhanMuntasser
February 7th, 2013, 07:16 PM
Undercurrent's piece on DEPP was more sarcastic about DEPP's response than being an investigation. I think that you need to read the whole thing first. Undercurrent didn't report it as if it were a reasonable explanation. In fact, they made fun of the response from DEPP.

farmerbob
February 8th, 2013, 02:29 AM
Dear Utila Simon:
I have called the Kentucky state commissioner office and talked to a man named Rodney. I described my interaction with DEPP to him. He told me he was aware of a NR Deane Lehrmitt but said he was unable to elaborate on any details. I mention your name and said that you had submitted a twenty page complaint against Mr. Lehrmitt. He told me he could not discuss any details. He told me I should talk to Laura Larkin who' works in the fraud department. Would you please provide me a copy of your complaint, I filed a claim with DEPP for the amount of approximate 14,000 dollars. I would like to be reimbursed for my losses,

---------- Post added February 8th, 2013 at 02:04 AM ----------

Dear drbill : I have attempted to file a report with the Kentucky Insurance Commissioners Office. I have spoken with a man named Rodney. My claim with DEPP is aproximately
12,000 dollars I filled my claim with DEPP in October of 2010. They sent me partial payment of 1,400 dollars. Deane Lehrmitt told me that my claim had accidently been closed and would have to be resubmitted. Yep that was a year ago and I have not received any additional payment. Would you please sent me any information on the Lehrmitts. I am planning on filing complaint with California Insursnce Commission.

Thanks for any help in this matter.

Utila Simon
February 9th, 2013, 07:02 AM
Undercurrent's piece on DEPP was more sarcastic about DEPP's response than being an investigation. I think that you need to read the whole thing first. Undercurrent didn't report it as if it were a reasonable explanation. In fact, they made fun of the response from DEPP.

Unfortunately our sense of humor with regards to these people is is short supply! Maybe a full investigation is exactly whats needed, although one conducted by the Police would be more appropriate!
:)

Utila Simon
February 16th, 2013, 12:16 AM
Just in case you did not see this email from undercurrent, please see below.
I have just sent my thoughts and a summary of my situation to Ben, hope you all have time to do the same this weekend...

Best
Simon

"Whenever we write about dive equipment insurance, we always get a few reader complaints about Dive Equipment Protection Plan (DEPP) and its slow handling of complaints. In this month's issue, Deane W. Lehrmitt, who handles the DEPP program, explained why DEPP has recently been giving its customers the silent treatment (a five-week computer systems failure), but some Undercurrent readers aren't buying that. "If they are up and running again since December, why are they not responding to all the claims filed before that?" asks Helena Soler (Mammoth Lakes, CA). Have you too had any bad experiences with DEPP or another dive equipment insurer? Or can you share a good customer-service story, or advice on how to get a claim handled right? Send me your stories, comments and tips at EditorBenD@Undercurrent.org"

Utila Simon
June 11th, 2013, 06:18 AM
For anyone interested, some excellent news in the pursuit of payments from DEPP, follow this link:
http://www.scubaboard.com/forums/scuba-related-court-cases/457121-state-kentucky-has-filed-against-depp-divers-equipment-protection-policy.html#post6778844

Simon

Christopher_B
June 11th, 2013, 06:23 PM
Welcome to the club of dissatisfied ex-DEPP customers.....

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