|Subject:||[Fwd: Re: [TowerTalk] Attach tower to house?]|
|From:||Mahlon Haunschild <email@example.com>|
|Date:||Wed, 28 Jan 2004 21:35:39 -0600|
forwarding to the list (as I originally intended)...|
-------- Original Message -------- Subject: Re: [TowerTalk] Attach tower to house? Date: Wed, 28 Jan 2004 21:15:01 -0600 From: Mahlon Haunschild <firstname.lastname@example.org> Reply-To: email@example.com To: Alan Beagley <AB2OS@att.net> References: <firstname.lastname@example.org>
Even though the various insurers' homeowner's policies in the US are pretty much standardized (with the notable exception of State Farm and Allstate) I would recommend that you read your policy (meaning: read YOUR policy, not someone else's) to determine what is and is not covered, and under what circumstances, and for which named perils. Don't assume that just because your declarations page says something that it covers your particular structure against some or all of the named perils in the policy.
I've noticed that, through the years, there have been language changes in the standard HO-3 policy that most insurers underwrite that seem inocuous but have HUGE implications to the insured. Example: I own a compact utility tractor/front end loader/box blade/mower for upkeep of the property here. Is this covered in my HO-3 policy? Yes, because it contains the text: "motorized land convenyences are covered if they are not subject to registration, and they are used to service your residence." But the wording changed in the 2000 version of the HO-3 policy; it now reads: "motorized land convenyences are covered if they are not subject to registration, and they are used to solely service your residence." That one word "solely" makes an enormous difference, it means that if I EVER use my tractor anywhere else than on my property I am not covered EVER AGAIN (not my interpretation, but someone else's who is far smarter than me in the ways of insurance).
So... when was the last time any of you read your homeowner's policy???? Recommended reading. A wee bit o' Laphroaig Scotch goes well with the activity. Especially after you are done. If you've read it and still aren't sure where you stand, talk to your insurance agent about it (and I do mean your agent, and not one of the agent's minions who are paid to answer the phone and write out policies).
Mahlon - K4OQ
Alan Beagley wrote:
One of the participants in this forum told me -- in personal email, not in a public message -- that his insurance co. insisted that his tower must be attached (by whatever means he could devise) to the house.
See: http://www.mscomputer.com for "Self Supporting Towers", "Wireless Weather Stations", and lot's more. Call Toll Free, 1-800-333-9041 with any questions and ask for Sherman, W2FLA.
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