At 03:20 PM 7/23/97 -0500, Hawkins, Bill wrote:
>The "attached to house" seems to be the magic phrase. I live on the beach
>here in Fla and when Opal came through here in Oct '95 it tore up this area.
>Fortunately my KT34A and hazer were down and the tower guyed with ropes
>and they survived ok but other outside things like signs, outbuildings, and
>trees were destroyed and were not covered under Fla's notorious windstorm
>insurance-but one small tool shed "attached to the house" was destroyed
>and covered-no questions.
My State Farm policy (in WV) covers all "structures" on my property,
including my 100' free-standing tower. For a few more dollars (much less
than a wrap-around "umbrella" liability policy) they bumped my liability
coverage 'way up there too.
The moral is - probably - that company behavior will vary by state,
depending on what they can get legally do. They're still in the risk
business, but their objective is to reduce theirs as much as possible.
73, Pete Smith N4ZR
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