Residents affected by the wildfires in Los Angeles have learned that AppleCare won’t replace their Macs lost to the flames. Instead, they must rely on homeowner’s or renter’s insurance to claim compensation for their devices and belongings.
What AppleCare Covers
AppleCare, a warranty and repair plan, does not act as full insurance coverage. While it supports hardware failures and accidental damage, it excludes natural disasters like fires, earthquakes, and theft. Section 4 of the AppleCare Repair Agreement states that damage caused by “accidents, misuse, fire, or other external causes” is not eligible for repair or replacement.
The Insurance Solution
Homeowners and renters with valid insurance policies should turn to their insurers to cover the cost of replacing lost Macs and personal items. Business owners with insured property can also seek compensation for damaged devices. Travelers in affected areas may find coverage under travel insurance policies if loss or damage is included.
Apple’s Response to the Wildfires
Although AppleCare doesn’t assist with fire-related damages, Apple is supporting wildfire victims in other ways. Apple Card users in FEMA-designated disaster zones can apply to delay payments without interest. Apple has also announced donations to aid recovery efforts. CEO Tim Cook reaffirmed Apple’s commitment to helping communities during emergencies.
What to Do Next
Affected individuals should review their insurance policies and file claims quickly. Contacting insurance providers is the first step for those unsure about their coverage. While AppleCare provides valuable benefits, it’s crucial to understand its limits and seek alternative solutions during disasters.
The LA wildfires highlight the importance of having comprehensive insurance coverage, especially for high-value items like Macs.
