In fact I did use AMEX. I did not even think of that. In this instance Nikon ended up taking care of me due to my long (42+ years) and VERY expensive NAS so I did not get burned as badly as I might have. I contacted AMEX and, yes, there most definitely is insurance to cover something like this. While there can be a time limit on some sorts of claims if there is damage in the first year there is a high probability that AMEX will cover it. I was unaware of this coverage and I thank you for bringing it to my attention and that of fellow Nikonians.