[TowerTalk] Tower damaged by Hurricane Ike - where can Igethelp?

[Joe - K8FC]

Just to weigh in on this from my prospective.  Homeowner policies are pretty 
comprehensive when it comes to personal property.  As Larry mentions, 
policies and coverage may vary state to state.  The organization who 
administers the insurance policies for the ARRL (Marsh) gets an additional 
28% of the already high premium to insure your equipment for a year.  It 
would be prudent to check with your own home owners insurance broker to see 
what is covered in your own situation.  At the very least, you should have 
the ability to obtain a rider on your current policy to cover your 
particular concern.  In any event, this would be much cheaper than the high 
cost of the ARRL policy.

Joe K8FC


----- Original Message ----- 
From: "Larry Burke" <wi5a at sbcglobal.net>
To: <towertalk at contesting.com>
Sent: Tuesday, October 07, 2008 6:33 PM
Subject: Re: [TowerTalk] Tower damaged by Hurricane Ike - where can 
Igethelp?


>
>
> Homeowner's Policies vary from state to state. In Texas (home of the
> original poster), the tower is not covered under a standard HO policy.
> That's what we get for letting the insurance companies run the state
> insurance board.
>
> -Larry K5RK
>
>
> -----Original Message-----
> From: towertalk-bounces at contesting.com
> [mailto:towertalk-bounces at contesting.com] On Behalf Of Bill MacLane
> Sent: Tuesday, October 07, 2008 6:27 PM
> To: K7LXC at aol.com; towertalk at contesting.com; ag5t at sbcglobal.net; Michael
> Brown
> Subject: Re: [TowerTalk] Tower damaged by Hurricane Ike - where can
> Igethelp?
>
> The exact reason for insurance through the ARRL.
>
> 73,
> Bill
> AI4WM
>
>
> --- On Tue, 10/7/08, Michael Brown <k9mi at sbcglobal.net> wrote:
>
>> From: Michael Brown <k9mi at sbcglobal.net>
>> Subject: Re: [TowerTalk] Tower damaged by Hurricane Ike - where can I
> gethelp?
>> To: K7LXC at aol.com, towertalk at contesting.com, ag5t at sbcglobal.net
>> Date: Tuesday, October 7, 2008, 7:45 AM That sounds like a rip off. My
>> homeowners insurance refers to a tower as an "additional structure"
>> (verified with agent). And it's not anything I pay extra for. I think
>> I would check with some of your fellow hams that live in your area.
>>
>> 73, Mike K9MI
>>
>>
>> ----- Original Message -----
>> From: <K7LXC at aol.com>
>> To: <towertalk at contesting.com>;
>> <ag5t at sbcglobal.net>
>> Sent: Tuesday, October 07, 2008 11:15
>> Subject: Re: [TowerTalk] Tower damaged by Hurricane Ike - where can I
>> gethelp?
>>
>>
>> >
>> > In a message dated 10/6/2008 4:29:09 P.M. Pacific
>> Daylight Time,
>> > towertalk-request at contesting.com writes:
>> >
>> >>  My two-section hy-gain 36 foot crank up tower was
>> heavily  damaged by
>> > Hurricane Ike. I did take before and after photos, but
>> my insurance
>> > company says
>> > none of my outdoor ham radio items are covered (which
>> I  expected).
>> >
>> >    Hmm, unless you have some sort of exclusion, you
>> should have coverage
>> > either as an auxiliary structure or as personal
>> property.
>> >
>> > Cheers,
>> > Steve    K7LXC
>> > TOWER TECH
>> >
>> >
>> >
>> >
>> >
>> >
>> >
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