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Re: [TowerTalk] Tower Insurance

Subject: Re: [TowerTalk] Tower Insurance
From: "Roger (K8RI)" <>
Date: Mon, 16 Aug 2010 20:49:37 -0400
List-post: <">>

On 8/16/2010 4:44 PM, Mike wrote:
>    On 8/16/2010 4:30 PM, Mark Robinson wrote:
>>> My insurance agent told me that the tower is considered an "accessory
>>> structure" -- same as "appurtenant (auxiliary?) structure???? -- IF it
>>> is "attached to" the building. The "attachment" may be nominal but
>>> cannot be merely the electrical connections.
Different companies treat towers differently. Some treat them as 
"appurtenant" structures with a value up to 10% of the primary 
structure.  It's easy even with a modern dwelling to exceed 10% of the 
cost with a tower, or towers plus multiple antennas.   OTOH the average 
probably comes no where near the 10%. But...when you get into the new, 
antennas  just a good tribander and one to cover the WARC band can 
easily total $3,000, plus rotator, tower, and accessories. With the 
larger antennas it is easy to reach $5,000 or more per antenna and 
towers to hold those are expensive. A good crankup (new) can run $10,000 
to $20,000 or wayyy more.

The only real answer is to check with your insurance company. We added a 
rider to cover the towers and antennas.
Be careful about the "attached structure" some companies treat that 
quite differently than others. Some don't even want them attached while 
others do.  So there are a lot of variables when it comes to making sure 
the tower and antennas are insured.  Above all, make sure you have 
enough insurance to cover having to hire the entire works replaced with 
what ever deductible you want/can stand.  You might not be able to redo 
the whole thing yourself even if you did put it up.


Roger (K8RI)

>>> 73
>>> Alan NV8A
>>> _>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>> So if it is an "accessory structure" how does effect your coverage. Is it
>> automatically covered on your home insurance then?
>> 73 Mark N1UK
> That's a question for you agent.
> 73, Mike NF4L
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