One word of caution -
Most Insurance Companies take multiple (small) claims as
a red flag, and may raise your homeowners insurance premiums,
refuse to renew your coverage, or most drastically, canc-l your
coverage.
I recommend NOT taking the lowest deductable, but going up
a step or two, which saves money on your premium. Essentially,
you 'self insure' for the small stuff but are still covered for more
catastrophic events.
Tom N4KG
On Wed, 13 Feb 2002 "Joe Subich, K4IK" <k4ik@subich.com> writes:
>
>
> I've used homeowner's insurance a few times and, in fact, a tower
> is no different than a detached garage, storage outbuilding, or
> barn ... as long as it is permanently attached to the land it is
> covered unless specifically excluded.
>
> Still, if you feel better ask your agent for a letter confirming
> the coverage.
>
> 73,
>
> ... Joe, K4IK
>
>
> > -----Original Message-----
> > From: owner-towertalk@contesting.com
> > [mailto:owner-towertalk@contesting.com]On Behalf Of Al Crespo
> > Sent: Wednesday, February 13, 2002 9:09 AM
> > To: brewerj@squared.com
> > Cc: towertalk@contesting.com
> > Subject: [TowerTalk] RE: [Tower Talk] Insurance question
> >
> >
> >
> > John,
> > Insurance agents are as trust worthy as real estate
> agents.
> > If your agent tells you over the phone your antenna
> structure is
> > covered under your standard policy, then send the person a letter
> > confirming the conversation.
> > Otherwise, don't be surprised if they do an Enron and
> "cannot
> > not recall" the conversation if you have to later file a claim.
> > KISS and you will never regret it.
> > 73, Al
> >
>
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