A few years ago somebody posted on this reflector that coverage for a
tower depended on the tower being "attached to" the house: the
"attachment" could be somewhat nominal but had to be more than the
electrical wiring. My insurance agent concurred with that opinion, but
in fact I have never implemented such an "attachment." I had thought of
installing a couple of braces from the raising fixture on my HDX-555 to
the adjacent chimney brickwork, but US Tower recommended against it.
More important, however, than damage to the tower and antennas, is
damage to the house itself caused by the collapse of a tower, and I have
no idea how the insurance companies would treat that situation.
Note: I do always retract the tower when significant winds are forecast.
73
Alan NV8A
On 11/26/13 03:28 pm, Joe Subich, W4TV wrote:
I suspect your insurance agent is misinformed ... *any* structure (and
a tower is a "structure") on a property is generally covered to 10% of
the policy limit as as "accessory structure". This is similar to a
free standing garage, barn or storage shed. Whether your insurance
company will write a *rider* to provide additional coverage for the
tower and antennas is a matter of company policy but if one has a house
valued at/insured for $150,000, 10% covers a good deal of damage to a
typical amateur tower.
Your results may vary depending on state and insurance company. Shop
around or consider the ARRL "all perils" policy for separate coverage
on the ham gear and antennas.
73,
... Joe, W4TV
On 11/26/2013 3:09 PM, Wayne Willenberg 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?
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