On 11/27/2013 8:08 AM, Patrick Greenlee wrote:
Roger, Living in a rural area and having barns and out buildings on
property that used to be involved in agriculture is still not a farm
in the eyes of the insurance folks. If you are involved in
agricultural production, even just leasing pasture for someone else to
graze their stock or bale hay you are a farm and you can't be covered
by homeowner insurance. This is according to State Farm. It sucks, so
says my agent and I agree.
We "used to be" a farm with cattle and crops, but that was over 30 years
ago. The last of his years my dad leased the farm. I now own and lease
it out to the same farmers. Insurance is still minimal. Before that,
when it was an active farm, insurance was still minimal, but the
insurance companies were not trying to get back huge losses from the
weather. Yes there were occasional tornadoes and hurricanes that cost a
lot, but the big ones were a rarity. The cost of weather alone has
increased many fold as has liability. Still today's weather is far more
violent and costly than we had back then as a whole, except winter. I
have photos of the snow drifted to the eves on a two story barn, and
photos of the roads reduced to one lane canyons.
Losses have been so great that there are areas where it's difficult to
get any kind of insurance. Hurricanes are no longer a sometimes thing
although we just went through a very quiet season for the US. Yet the
monster storms (Tornado and hurricanes) do exist. The one that hit the
Phillipines was the equivalent of an EF 4 to 5 Tornado winds 50 to a
hundred miles across with lesser winds much farther out. Among the top
4 for size and strength.
BTW, here at the house where I currently live, Permits are not needed
for ham towers, but entire counties of farm land are now zoned in
Michigan. So if you are a ham you need to pick the spot for that
country mansion carefully. One entire township, North of me has a 30'
limit on any structures, but one ham did manage to get a variance and
made DXCC honor roll.
73
Roger (K8RI)
There are various rates depending on the structure(s) in question. A
4 sided bld with concrete floor is lowest structure rate. Next is 4
sided bld of standard construction with dirt floor. The highest rate
is for pole barns and the like (includes towers.) If you get your
agent to overlook your agricultural production activities, go with
homeowner policy, and then say a bull runs over a trespassing kid.
Well you have no liability coverage. Better to take the risk of the
tower out of pocket.
I suggested that my tower had a concrete floor and was not built like
a pole barn and the agent reminded me that pictures of the structure
were required.
It is not often that I envy folks living in a hive and constrained by
so many rules but this is one instance, exorbitant rates to insure a
tower and or antenna. Oh well, I'll just take a two mile hike around
the periphery of the ranch to check the fences and note the nearest
neighbor at 1/4 mile outside the fence, recall that I don't need a
permit for anything I do or build except a septic system and somehow
the perspective will come into better focus.
Patrick AF5CK
-----Original Message----- From: Roger (K8RI) on TT
Sent: Tuesday, November 26, 2013 8:57 PM
To: towertalk@contesting.com
Subject: Re: [TowerTalk] Insurance for Tower
On 11/26/2013 9:43 PM, Drax Felton wrote:
I once asked my agent about this too and told it would be covered but
then the policy was promptly and involuntarily cancelled because of it.
Incognito is now my philosophy.
In Michigan, AFAIK most home owners policies cover that, up to 10% As I
had the 100', 45G with the array on top, I had a rider added, no problem.
Even on a farm, here we had home owners.
73,
Roger (K8RI)
On Nov 26, 2013, at 3:09 PM, Wayne Willenberg <wewill747@gmail.com>
wrote:
Now that I have my tower nearly completed, I asked my homeowner's
insurance
agent if I could obtain coverage in case it is damaged. The simple
answer
was "no".
Is my insurance carrier being unreasonable or is it generally true you
can't get insurance coverage for a tower that is not attached to a
house?
Thanks for your help.
Wayne, KK6BT
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