[Fwd: Re: [TowerTalk] Attach tower to house?]

[Mahlon Haunschild]

forwarding to the list (as I originally intended)...

-------- Original Message --------
Subject: Re: [TowerTalk] Attach tower to house?
Date: Wed, 28 Jan 2004 21:15:01 -0600
From: Mahlon Haunschild <mahlonhaunschild at cox.net>
Reply-To: mahlonhaunschild at cox.net
To: Alan Beagley <AB2OS at att.net>
References: <40187050.2040702 at att.net>

Alan,

Even though the various insurers' homeowner's policies in the US are
pretty much standardized (with the notable exception of State Farm and
Allstate) I would recommend that you read your policy (meaning: read
YOUR policy, not someone else's) to determine what is and is not
covered, and under what circumstances, and for which named perils.
Don't assume that just because your declarations page says something
that it covers your particular structure against some or all of the
named perils in the policy.

I've noticed that, through the years, there have been language changes
in the standard HO-3 policy that most insurers underwrite that seem
inocuous but have HUGE implications to the insured.  Example:  I own a
compact utility tractor/front end loader/box blade/mower for upkeep of
the property here.  Is this covered in my HO-3 policy?  Yes, because it
contains the text:  "motorized land convenyences are covered if they are
not subject to registration, and they are used to service your
residence."  But the wording changed in the 2000 version of the HO-3
policy; it now reads: "motorized land convenyences are covered if they
are not subject to registration, and they are used to solely service
your residence."  That one word "solely" makes an enormous difference,
it means that if I EVER use my tractor anywhere else than on my property
I am not covered EVER AGAIN (not my interpretation, but someone else's
who is far  smarter than me in the ways of insurance).

So... when was the last time any of you read your homeowner's policy????
  Recommended reading.  A wee bit o' Laphroaig Scotch goes well with the
activity.   Especially after you are done.  If you've read it and still
aren't sure where you stand, talk to your insurance agent about it (and
I do mean your agent, and not one of the agent's minions who are paid to
answer the phone and write out policies).

regards,

Mahlon - K4OQ

Alan Beagley wrote:

> One of the participants in this forum told me -- in personal email, not 
> in a public message -- that his insurance co. insisted that his tower 
> must be attached (by whatever means he could devise) to the house.
> 
> Now a participant in the rec.radio.amateur.antenna newsgroup has 
> reported that his insurance co. refused to insure his tower if it was 
> connected to the house (coax des not count).
> 
> Which is the norm? Or does it depend on the whim of the insurance co.?
> 
> Alan AB2OS
> _______________________________________________
> 
> 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.
> 
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