[TowerTalk] Insurance for Tower

[Roger (K8RI) on TT]

On 11/27/2013 1:23 AM, Ray Benny wrote:
> I filed a claim on a wind damaged 2 el 40m yagi years ago in Calif. 
> Insurance paid for its replacement, however, my next years home owners 
> insurance premium almost doubled! I dumped them and found another 
> company that brought the premium back to what I had been paying prior.
>
> Unless the damage is extensive and costly, say the whole tower, 
> antenna and rotator, I will not file an insurance claim.

Over the years I've had two antenna claims. Each from different QTHs. 
The first was in the 70s and as it happens, I was in the business of 
installing TV antennas om the side..Good business until only the two and 
3 story houses were left. The other was a ham antenna from here.  Even 
the TV antenna was an expensive one. They paid including labor.  Same 
for the Tribander just a few years back and no increase in premium.   
That would place them about 30 years apart.  They did ask me about the 
first one so I explained the difference and time.  However, I'd not 
expect that in today's climate.

I do carry a large rider on the towers and antennas.

73

Roger (K8RI)

>
> Ray,
> N6VR
> Chino Valley, AZ
>
>
> On Tue, Nov 26, 2013 at 7:57 PM, Roger (K8RI) on TT 
> <K8RI-on-TowerTalk at tm.net <mailto:K8RI-on-TowerTalk at tm.net>> wrote:
>
>     On 11/26/2013 9:43 PM, Drax Felton wrote:
>
>         I once asked my agent about this too and told it would be
>         covered but then the policy was promptly and  involuntarily
>         cancelled because of it.
>
>         Incognito is now my philosophy.
>
>
>     In Michigan, AFAIK most home owners policies cover that, up to 10%
>     As I had the 100', 45G with the array on top, I had a rider added,
>     no problem.
>     Even on a farm, here we had home owners.
>
>     73,
>
>     Roger (K8RI)
>
>
>
>             On Nov 26, 2013, at 3:09 PM, Wayne Willenberg
>             <wewill747 at gmail.com <mailto:wewill747 at gmail.com>> wrote:
>
>             Now that I have my tower nearly completed, I asked my
>             homeowner's insurance
>             agent if I could obtain coverage in case it is damaged.
>              The simple answer
>             was "no".
>
>             Is my insurance carrier being unreasonable or is it
>             generally true you
>             can't get insurance coverage for a tower that is not
>             attached to a house?
>
>             Thanks for your help.
>
>             Wayne, KK6BT
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