[TowerTalk] insurance scheduling

[Rudy Marcelletti, K8SWD]

Along the lines of the insurance thread--schedule your towers and antennas valued at cost of replacement + labor expense.  You have a $100.00 13 element 2 meter beam at 100 feet, but a pro will charge you $300.00 to put it up there.  Schedule the antenna at $400.00.  Of course you pay the premium to do this but it is well worth it in the long run, especially if your 100 foot tower with 4 antennas on top comes down!  I found this out the hard way the first time I took a lightning hit and lost the top antenna.  It cost more to just take it down and put up a cheaper antenna than what the antenna was insured for.  The agent to me to factor in the additional labor costs next time around.

A neighbor had a tree fall on a fence.  It will cost her $900.00 to have the tree removed and the fence replaced.  Because it was not scheduled, the insurance company only paid $160.00 after her $250.00 decuctable is taken into consideration.
Rudy Marcelletti, K8SWD