[TowerTalk] INSURANCE

[John Kjos]

Steve, I read the info on the ARRL insurance and called the Insurance
Company for clarification and was told  that the coverage now includes the
cost of labor on the towers and antennas. It states that on their brochure
also.

I live in Wisconsin and have American Family insurance. My cousin is the
agent. She gave me a heads up that they were going to be looking at policies
with additional add on like towers, that are over and above the standard
coverage for outdoor antennas. She told me that based on the one claim I had
for lightning for $1500 over the last 9 years I would probably be cancelled
with another claim. She called it their "new policy". This is why I am
looking into the ARRL coverage, because as some have said, once you are
cancelled and your name put into; CLUE, you have a hard time getting
coverage.

Thanks to everyone for their comments.   73 John
EMAIL:  john at w9rpm.com
MY WEBSITE:  http://www.w9rpm.com
BLUFF COUNTRY DX CLUB: http://www.qsl.net/w9idx/
Free Ham Radio Classified Ads:  http://swap.QTH.com
GREAT DX LOGGING PROGRAM: http://www.dx4win.com/
INSTANT
MESSENGER:  W9RPM

----- Original Message ----- 
From: <K7LXC at aol.com>
To: <w9rpm at qth.com>; <towertalk at contesting.com>
Sent: Monday, December 22, 2003 5:08 PM
Subject: Re: [TowerTalk] INSURANCE


> 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
> _______________________________________________
>
> 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.
>
> _______________________________________________
> TowerTalk mailing list
> TowerTalk at contesting.com
> http://lists.contesting.com/mailman/listinfo/towertalk
>
>