Water damage & insurance

Tex-Twil

macrumors 68020
Original poster
May 28, 2008
2,483
12
Berlin
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


 

Newtons Apple

Suspended
Mar 12, 2014
22,757
15,222
Jacksonville, Florida
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?
 

willmtaylor

macrumors G4
Oct 31, 2009
10,300
8,167
Here(-ish)
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
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?
 

bufffilm

Suspended
May 3, 2011
4,227
2,536
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.
 

Givmeabrek

macrumors 68040
Apr 20, 2009
3,395
1,105
NY
Interesting that an insurance policy doesn't cover water damage. Wonder what else it doesn't cover? Typically insurance policies cover all accidents....
 

willmtaylor

macrumors G4
Oct 31, 2009
10,300
8,167
Here(-ish)
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.
Interesting that an insurance policy doesn't cover water damage. Wonder what else it doesn't cover? Typically insurance policies cover all accidents....
Keep in mind that the user isn't based in the U.S., so Apple Stores and insurance policies will be different.
 
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bufffilm

Suspended
May 3, 2011
4,227
2,536
Keep in mind that the user isn't based in the U.S., so Apple Stores and insurance policies will be different.
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.
 

willmtaylor

macrumors G4
Oct 31, 2009
10,300
8,167
Here(-ish)
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.
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.
 

bufffilm

Suspended
May 3, 2011
4,227
2,536
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.
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.
 

SoN1NjA

macrumors 68020
Feb 3, 2016
2,010
2,106
the pool
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.
Not neccesary since water detection stickers are visible from SIM port, no opening req
 

Tex-Twil

macrumors 68020
Original poster
May 28, 2008
2,483
12
Berlin
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
 

steve23094

macrumors 68030
Apr 23, 2013
2,709
1,489
if the one in the SIM is done, and no other one in, then it doesn't matter

One and done
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.
 

willmtaylor

macrumors G4
Oct 31, 2009
10,300
8,167
Here(-ish)
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.
https://forums.macrumors.com/threads/water-damage-insurance.2036081/#post-24377163
 

Tex-Twil

macrumors 68020
Original poster
May 28, 2008
2,483
12
Berlin
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
 
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