Water damage & insurance

Discussion in 'iPhone' started by Tex-Twil, Mar 8, 2017.

  1. Tex-Twil macrumors 68020

    Tex-Twil

    Joined:
    May 28, 2008
    Location:
    Europe
    #1
    Hi,
    my iPhone 6 stopped suddenly working. The symptoms are that it started to overheat and then shut off. I was able to boot it once but I saw only a red/back screen (see photos) and then nothing .. a brick.

    The iPhone is insured by a 3rd party insurance (not Apple Care) so I sent it there but they claim that it is because of a water damage. I know that Apple devices have some sensors to detect real water damages but I really take care of my hardware and this iPhone was never in contact with water.

    Is there a way to know if those sensor reported a false positive water damage?

    Thanks for your help

    cheers,
    Tex


    [​IMG] [​IMG]
     
  2. Shanghaichica macrumors 603

    Shanghaichica

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    Apr 8, 2013
    Location:
    UK
    #2
    Any decent insurance should cover water damage.
     
  3. Newtons Apple Suspended

    Newtons Apple

    Joined:
    Mar 12, 2014
    Location:
    Jacksonville, Florida
    #3
    You would have to physically look at the sensors to see if they changed color.

    Likely does not matter as your 3rd party insurance company declined coverage.

    Have you looked and is water damage not included in your insurance?
     
  4. Shanghaichica macrumors 603

    Shanghaichica

    Joined:
    Apr 8, 2013
    Location:
    UK
    #4
    It would seem as though the company are just trying to find a way to not accept the claim.
     
  5. Newtons Apple Suspended

    Newtons Apple

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    #5
    That may be true. They might have intentionally triggered the sensors if they do not cover water damage.

    We will never know.
     
  6. willmtaylor macrumors G3

    willmtaylor

    Joined:
    Oct 31, 2009
    Location:
    A Natural State
    #6
    Yes, water damage sensors have been known to show false positives for some time now.
    http://iphone-tricks.com/tutorial/796-iphone-water-damage-how-to-spot
    http://appleinsider.com/articles/10...e_of_moisture_indicators_to_deny_free_repairs
    http://www.idownloadblog.com/2012/02/18/detecting-moisture-patent/
    http://www.idownloadblog.com/2011/0...y-involving-iphones-liquid-contact-indicator/
    http://gizmodo.com/5476147/winter-weather-may-trigger-your-iphones-moisture-indicator

    However, it's more likely that your insurer simply doesn't want to pay the claim. Who is the insurer? What exactly does the policy cover/not cover?
     
  7. bufffilm Suspended

    bufffilm

    Joined:
    May 3, 2011
    #7
    Take the device to an Apple Store and see what they say...i.e. confirm if it has water damage.

    As for whether the policy covers that, check the policy.
     
  8. Givmeabrek macrumors 68040

    Givmeabrek

    Joined:
    Apr 20, 2009
    Location:
    NY
    #8
    Interesting that an insurance policy doesn't cover water damage. Wonder what else it doesn't cover? Typically insurance policies cover all accidents....
     
  9. willmtaylor macrumors G3

    willmtaylor

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    #9
    Keep in mind that the user isn't based in the U.S., so Apple Stores and insurance policies will be different.
     
  10. bufffilm Suspended

    bufffilm

    Joined:
    May 3, 2011
    #10
    Where he lives is irrelevant - advice still applies.

    First get second opinion on whether phone is water-damaged, and is water-damage covered by policy.

    Once those two things are known...OP will know what to do.
     
  11. willmtaylor macrumors G3

    willmtaylor

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    #11
    It is, actually, as Apple Stores are far fewer outside the U.S., and their return/repair policies are different. This isn't even mentioning the assumption of water damage and other coverages of insurance where he/she resides.
     
  12. bufffilm Suspended

    bufffilm

    Joined:
    May 3, 2011
    #12
    So it's may be harder for the OP to get to a store...don't really see that he has a choice if he wants to get to the bottom of all this.
     
  13. SoN1NjA macrumors 65816

    SoN1NjA

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    #13
    Not neccesary since water detection stickers are visible from SIM port, no opening req
     
  14. bufffilm Suspended

    bufffilm

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    #14
    There is that... but isn't there indicators elsewhere on the phone (buried away MOS)?
     
  15. SoN1NjA macrumors 65816

    SoN1NjA

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    #15
    if the one in the SIM is done, and no other one in, then it doesn't matter

    One and done
     
  16. willmtaylor macrumors G3

    willmtaylor

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    #16
  17. bufffilm Suspended

    bufffilm

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    #17
  18. willmtaylor, Mar 8, 2017
    Last edited: Mar 8, 2017

    willmtaylor macrumors G3

    willmtaylor

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    #18
    It's within the SIM card slot. It's (not easily) visible with the SIM card/tray removed.

    LCI.jpeg
     
  19. bufffilm Suspended

    bufffilm

    Joined:
    May 3, 2011
    #19
    Ahhh...I forgot that the sim tray is there!

    It makes complete sense now...thanks.
     
  20. Tex-Twil thread starter macrumors 68020

    Tex-Twil

    Joined:
    May 28, 2008
    Location:
    Europe
    #20
    ok thanks for your advice.

    I will check the sim tray + bring it to an Apple Store and see what Apple says.

    How much water does the sim tray detector needs to get in order to be triggered? As I said in my original post, the phone was never under dangerous situation (water, rain, snow, tropical weather ..) so I find it a bit strange.

    Anyway, thanks, I will let you know what is the outcome.

    cheers
     
  21. steve23094 macrumors 68000

    steve23094

    Joined:
    Apr 23, 2013
    #21
    I'm pretty sure that's no longer the case with Apple (although the OP's insurer likely has a different policy). Those sensors can be set off just by moisture so they now open it up to look at the other ones and for signs of water damage.

    I remember reading this about a year or so ago, but I can't recall if the article was published here or somewhere else. It's possible it may only apply to certain countries (eg Europe) because of stronger consumer protection laws.
     
  22. willmtaylor macrumors G3

    willmtaylor

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    #22
    https://forums.macrumors.com/threads/water-damage-insurance.2036081/#post-24377163
     
  23. Applejuiced macrumors Westmere

    Applejuiced

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  24. Tex-Twil thread starter macrumors 68020

    Tex-Twil

    Joined:
    May 28, 2008
    Location:
    Europe
    #24
    Hi,
    just FYI, my insurance is actually supposed to cover water damages (it's in the contract) but they refuse to do it. I handed this to a lawyer.

    cheers
     
  25. Applejuiced macrumors Westmere

    Applejuiced

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    Location:
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    #25
    What kind of 3rd party insurance did you have on your phone? What company?
     

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