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Greg
Such items are NOT exempt, and that’s why you can’t find it on the FTC website. It is not Dell’s fault that Hurricane Katrina came blasting through the way it did. You are expected to carry personal insurance coverage in such an event, or be prepared to pay for the loss out of your own pocket.
Nancy
Acermill is correct, this would not be included. It is covered in your insurance. I have no idea why you thought not to have insurance but you made that personal choice. Now, you have to abide by the choices you made and pay the bill for the item that you purchased.
Dell would have most likely waived the extra fees under the circumstances, but you did not deal with it and it is no longer in their control. You can try talking the collection agency into waiving fines if you pay for your merchandise.