[TowerTalk] INSURANCE

[Joe Giacobello]

I absolutely agree with Steve:  Full replacement insurance is the only 
way to fly.  The extra cost is nominal.  I can't seem to find the 
specific cost on my current policy, but I believe it was about $62 
annually when I lived in NJ.  I recently suffered a major crash of my 
tower and quad during a sudden wind storm here.  They covered the cost 
of removal of the old tower and antenna and the purchase and 
installation of replacements including labor, minus $1,000 deductible.  
I don't believe the ARRL insurance comes anywhere close to that kind of 
coverage.

73, Joe


K7LXC at aol.com wrote:

>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 
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>
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>
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