Insurance companies are notorious for screwing their customers. You pay homeowner's insurance; yet, they fail to tell you that for a little bit more a month, you can get a better policy that would cover any items lost in a fire, burglary, etc. at the price it would cost you to replace the item NOW, not when you bought it 10 or 20 or 30 years ago. How many people know that? How many people know that if you have a stereo system in your car and it's not bolted down with nuts and bolts they will not give you the face-value of that item?
It should be mandatory that an insurance company is required to go over each and every option available to you so that you KNOW what to expect. And if they don't, then people should ASK.
As for your attacks on Jemian, they're juvenile and immature. AOL/Time Warner is making tons of money and there is no reason why they can't replace the boxes at no charge to the customer. Fine print or not, it would be the correct thing to do in this case, but unfortunately, because they have a monopoly on the market, they feel free to do whatever they please. These people probably not only lost their stupid boxes, but other valuables as well, and you act as if the cable company is going to go bankrupt if they pay for the cost of replacing the boxes.
Do us all a favor, and never become a PR person.