[TowerTalk] Insurance Claim

[Craig Clark]

Since I recently had a tower loss I thought I'd throw my $0.02 in too.

My crankup came down Monday October 27, thankfully right after the CQWW SSB 
test. Mine failed at the base and I suspect there was a hairline crack in 
one of the legs by looking the metal the next morning.

Since we have been running a farm, many of the "main-line" companies (USAA 
specifically) did not want to insure my home. I have been with Maine Mutual 
since we started the farm (and the business) and I have been very happy 
with their service.

I have a replacement value rider on my plan but it specifically states in 
the contract: "outdoor antennas" are covered at actual cash value at the 
time of loss but not more than the amount to repair or replace.

The sent a local adjuster out to look at the damage and look at the quote I 
had from a local rigger. We did a bit of negotiation and arrived at a sum 
that met everyone's needs.

I called Maine Mutual after the settlement was paid and the agent was 
surprised that I was calling to thank the Company for settling my claim. 
Most of the calls he gets are complaints.

The bottom line is to ensure your policy has a replacement rider. Bob, 
KQ2M, hit the nail on the head that it is a bit more expensive to have the 
rider but it is well worth the cost when you have a loss.

It is also good to know what you are talking about by being prepared with 
information about your installation, stay non-confrontational and be 
willing to negotiate.

Happy Holidays to all!

73, Craig Clark, K1QX

RADIOWARE AND RADIO BOOKSTORE
PO  BOX 209
RINDGE NH 03461
603 899 6957
WWW.RADIO-WARE.COM