The ARRL insurance is great, but it's quite expensive if you have a contest
station with multiple towers, lots of antennas and pricey equipment.
My homeowner's policy covered about $10K of damage to my ham gear and other
devices in my house from a lightning strike (probably not directly on the
tower, but a nearby surge picked up by the tower.) The insurance company knew
it was ham gear because they had to hire a technical consultant to evaluate the
damage. They didn't ask questions about the tower, which they probably didn't
know about, or how the surge got to the equipment. (FWIW, I've taken steps to
prevent a recurrence.)
I have accessory structure coverage, too, but honestly don't know if it would
cover damage to the tower or antennas. The most probable damage would be from
wind in conjunction with heavy ice buildup. Somewhat rare where I live, but not
impossible.
73, Dick WC1M
-----Original Message-----
From: Gene Smar [mailto:ersmar@verizon.net]
Sent: Tuesday, February 7, 2017 9:53 PM
To: 'Joe Subich, W4TV' <lists@subich.com>; towertalk@contesting.com
Subject: Re: [TowerTalk] Insurance
TT:
After I had installed my tower in 2001, I contacted my insurance agent
about coverage. She told me that my tower is covered as an accessory
structure. That return email from her is in my tower file. YMMV.
73 de
Gene Smar AD3F
-----Original Message-----
From: TowerTalk [mailto:towertalk-bounces@contesting.com] On Behalf Of Joe
Subich, W4TV
Sent: Tuesday, February 07, 2017 7:44 PM
To: towertalk@contesting.com
Subject: Re: [TowerTalk] Insurance
California is always out in left field. Years ago in Ohio, my antennas and
towers were covered without question as "auxiliary structures" - no different
than the barn, detached garage and summer kitchen on my property. The only
issue is that coverage for "auxiliary structures"
is generally limited to 10% of the primary coverage.
I had occasion to test the coverage as the result of winter storms and there
was no issue. The damaged antennas and cost of replacement were covered
without question (after providing the necessary proof of loss).
73,
... Joe, W4TV
On 2/7/2017 6:46 PM, Arnie Pfingst wrote:
> Several people here have mentioned "home owners insurance" will cover
> towers and antennas. Here in So. Calif i was advised by my insurance
> co. that unless "Tower. or Antenna Support" or what ever is
> specifically mentioned its not covered in any way. I got a special
> rider to make sure my tower and antenna are covered. It is like $15 yr
> for full replacement cost
>
>
>
>
> Sent via the Samsung Galaxy S®6 active, an AT&T 4G LTE smartphone
> _______________________________________________
>
>
>
> _______________________________________________
> TowerTalk mailing list
> TowerTalk@contesting.com
> http://lists.contesting.com/mailman/listinfo/towertalk
>
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