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Hello Everyone,
I recently had a house fire and my gaming computers burned up in the fire (among many other things.). Insurance has stated that items can be replaced with today's equivalent item. The build for my mini-itx machine was easy enough. Some of the parts are still being sold (case, psu), I grabbed a i5-7600K, 1050ti and a similar motherboard (feature wise). I'm having an issue deciding with what processor to go with for my old AMD build. I don't want to short change myself by going with one of the older FX chips, but I am not sure if a Ryzen processor would be consider today's equivalent. Any thoughts or input? I will note that I do not need help deciding on all the parts, just the processor. Computer building is one of my primary hobbies. I just need a way to justify the processor decision to insurance if questioned. AMD Phenom II X4 965 Black Edition Deneb: https://www.newegg.com/Product/Product.aspx?Item=N82E16819103727
"I contend we are both atheists, I just believe in one fewer god than you do...." (Stephen F. Roberts)
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Are you sure "today's equivalent" doesn't refer to something close in price to what a Phenom would be worth today? Because I doubt the insurance company is willing to pay for you to buy more powerful parts, just because the item you lost was expensive years ago.
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Are there not still places that sell it? Maybe getting the Intel equivalent from back then would be easier, like an i5-750.
Does your insurance actually say you'd get the modern equivalent of something you had that was outdated? Like, if you lost a 1987 BMW in a fire would they get you a 2017 BMW as a replacement? |
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Ryzen had pretty similar gaming performance in poorly threaded titles. You'd have to define equivalent though.
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It's hard to say, the insurance rep that I talked to used consoles as a reference. He stated that the Nintendo Wii and PS3 that we had would be replaced with the newest equivalent item that you could buy. For reference he stated that the PS3 would be replaced with a PS4. Based on our conversation, the same could be said for computer parts.
I don't know how it works for cars, but the coverage for that is based on value of the car. Home content coverage is a static dollar amount for everything inside. If you reach the dollar amount and still have things left to replace, I assume your SOL.
"I contend we are both atheists, I just believe in one fewer god than you do...." (Stephen F. Roberts)
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X4 965
https://www.cpubenchmark.net/cpu.php?cpu=AMD+Phenom+II+X4+965&id=370 You have two options, one Intel and one AMD. https://www.cpubenchmark.net/cpu.php?cpu=Intel+Pentium+G4520+%40+3.60GHz&id=2660 https://www.amazon.com/AMD-Athlon-AD750KWOHJBOX-3-4Ghz-Processor/dp/B009O412AU/ref=sr_1_1?ie=UTF8&qid=1505062486&sr=8-1&keywords=x4+750k I'd go with the X4 750K. |
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I think by todays equivalent means they are going to replace it with a new item not a 2nd hand ebay chip. Id say the ryzen 3 quad core makes the most sense.
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The modern equivalent of a x4 965 would be a Ryzen R5 1600/1600x. At least, if you go by the price. if you go by todays value, then it would be ~$40. So yea...you either get a 1600 or $40^^.
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oblique365 posted...
I think by todays equivalent means they are going to replace it with a new item not a 2nd hand ebay chip. Id say the ryzen 3 quad core makes the most sense. That would be correct, I asked about used and we do not have to go that route. I have replacement cost insurance. The insurance company will pay whatever it cost to replace the item, assuming I repurchase the item. If I don't repurchase the item then I just get the depreciated cost of the item. Considering the age of the processor I would assume the depreciated cost would be around Slivererazor's $40 estimate. Thanks for the input everyone.
"I contend we are both atheists, I just believe in one fewer god than you do...." (Stephen F. Roberts)
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A modern equivalent does not mean equivalent to what it was at the time of purchase. It means equivalent to what it is now and exists in case the item itself no longer exists. If it was $400 at the time of purchase you don't get to get a $400 dollar card, you get whatever the value of said card has depreciated to. Claiming otherwise is insurance fraud.
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thedeadman568 posted...
Because I doubt the insurance company is willing to pay for you to buy more powerful parts, just because the item you lost was expensive years ago. I don't think the Phenom line was ever expensive.
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reincarnator07 posted...
Ryzen had pretty similar gaming performance in poorly threaded titles. You'd have to define equivalent though. Uh no, Ryzen has considerably better single-threaded performance than older AMD CPUs, that's what makes it so lucrative.
Asus P8Z68-V LE | Core i7 2600K | 8GB G.Skill Ripjaws DDR3 | EVGA GeForce GTX 1060 6GB
PS3 | PS2 | PSP| Wii-U | 3DS | DS | X-Box 360 | X-Box | NES |
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JKatarn posted...
thedeadman568 posted...Because I doubt the insurance company is willing to pay for you to buy more powerful parts, just because the item you lost was expensive years ago. MSRP was ~$250, which would put it in line with Ryzen 5 1600 I guess.
a quad core i7 was just a rebranded celeron -Pengu1n
Anything that has 3p fps or better is fine with me -mucloud |
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BearShrooms posted...
A modern equivalent does not mean equivalent to what it was at the time of purchase. It means equivalent to what it is now and exists in case the item itself no longer exists. If it was $400 at the time of purchase you don't get to get a $400 dollar card, you get whatever the value of said card has depreciated to. Claiming otherwise is insurance fraud. I have a replacement cost policy. Your referring to a cash value policy. A cash value policy you only get the depreciated value back. A replacement cost policy gives you the depreciated value and then gives you the rest of the money after you purchase said item. If you don't repruchase item then you only get the depreciated value. Here is an article about it: https://www.eqgroup.com/acv_explained/ I'm not a legal expert or anything. I have talked to my insurance company and a legal advisor (my aunt). I believe I am understanding them correctly about how a replacement cost policy works. Either way, if I am wrong the insurance has the ability to reject individual items on my list of non-salvageable things.
"I contend we are both atheists, I just believe in one fewer god than you do...." (Stephen F. Roberts)
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Teenman posted...
BearShrooms posted...A modern equivalent does not mean equivalent to what it was at the time of purchase. It means equivalent to what it is now and exists in case the item itself no longer exists. If it was $400 at the time of purchase you don't get to get a $400 dollar card, you get whatever the value of said card has depreciated to. Claiming otherwise is insurance fraud. Nothing you claimed in your post was actually in the link you posted. "The term “replacement cost” is defined or explained in the policy. Simply stated, it means the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose. This applies unless the limit of insurance or the cost actually spent to repair or replace the damaged property is less." I'm pretty sure this means you get to buy a processor about as strong as the one you lost and will get reimbursed for that amount. If you spend less on a worse processor they will only pay as much as you spent. " In the case of the stolen camera, the insurance company would deduct from its replacement cost an amount for all the wear and tear it endured prior to the time it was stolen." Deprecation in this case refers to the use you already got out of the specific object before it was lost, not the general reduction in the objects value over time. |
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I mean, he says he spoke to somebody at the company and they said if he lost a PS3 they'd give him a PS4. When it comes to a processor that's no longer manufactured, it seems like the PS3-PS4 logic would mean he gets Ryzen for his Phenom II. Sounds crazy to me but if that's how his policy works, hell, might as well take advantage.
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thedeadman568 posted...
Teenman posted...BearShrooms posted...show hidden quote(s) I would agree with you, if the we hadn't heard this from multiple issurance agents. In my policy depreciation is done by age of the item not use. To be honest, how could insurance even determine usage? That doesn't make much sense. I have to report the age of item and condition and that is taken into account for the depreciation. My wife double checked with another agent and they told her to replace the wii with the switch and they PS3 with a PS4. I would trade the whole content coverage and home coverage to bring one of my family members that died in the died in the fire back. I'm not trying to get one over on the insurance company, so try not to imply that.
"I contend we are both atheists, I just believe in one fewer god than you do...." (Stephen F. Roberts)
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thedeadman568 posted...
Teenman posted...BearShrooms posted...show hidden quote(s) " In the case of the stolen camera, the insurance company would deduct from its replacement cost an amount for all the wear and tear it endured prior to the time it was stolen." is in the section that starts with "In contrast, actual cash value (ACV), also known as market value, is the standard that insurance companies arguably prefer when reimbursing policyholders for their losses." While I don't agree with the PS3~PS4 replacement, it would probably come up as acceptable if PS3 were no longer sold, not just if PS4 had come out since then. In the case of computer parts, a more granular and less subjective hardware set, it probably means the closest equivalent on the current market that is par or better in accordance with any objective analysis. So, for example, a 965, which isn't sold anymore, could be replaced with a Ryzen 3 quadcore. If his lawyers and insurance company are telling him otherwise, though, it's likely because there is a precedent of this happening in the past, which overrides any particular interpretation of the law.
a quad core i7 was just a rebranded celeron -Pengu1n
Anything that has 3p fps or better is fine with me -mucloud |
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