[TowerTalk] INSURANCE

[K7LXC at aol.com]

In a message dated 12/22/03 3:00:44 PM Pacific Standard Time, w9rpm at qth.com 
writes:

> Can anyone give me any experience they have had with the ARRL equipment,
>  tower and antenna insurance? I have been looking into getting it.

    I've only had one experience with it. The W6GO/N6IG station had some wind 
damage and some League insurance. As I recall, the damage claim is only 
limited to the value of the hardware which you have to declare that when you apply 
for the policy. So  a major thing it leaves out is any labor cost for repairs. 

    Do you have homeowner's insurance? That should cover it already. Towers 
are covered under 'accessory structures' (I think that's the term) or under 
personal property. Either way you're covered. 

    You should have replacement value insurance or they'll depreciate 
everything. You might check the limits too. K5RC had a whole bunch of wind damage but 
the insurance company only paid a couple of thousand up to their limit. He 
had to bite the bullet for much more than that so it pays to check.

Cheers,
Steve     K7LXC
TOWER TECH -
Professional tower services for commercial and amateur