At 02:30 PM 4/3/2008, Bill Winkis wrote:
>...has someone some where
>written up a semi or full clad wavier etc to
>protect the home owner ham and something that
>would hold up in case of a law suit?..
>Or do we all go out and buy an Insurance
>Liability Umbrella Policy to protect us... (If
>indeed there is such as thing?!!)
>Or does the ARRL offer such an item???
I don't think there's any such thing in most states as an iron-clad
waiver. It can always be asserted that you did something so heinous that
you should be held financially liable, if not drawn and quartered.
My homeowner's insurance company wrote me a $25/year umbrella liability
add-on to my homeowner's policy that explicitly protects me from
liabilities arising from my tower, antennas, etc. My agent says that such
policies are normally written to include increased automotive liability
protection, and cost a lot more because of that, but if you specify
liabilities pertaining to homeowner's coverage only, the price comes way down.
And oh yes, I'm in WV - YMMV.
73, Pete N4ZR
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