[TowerTalk] Insurance

[Dick Green WC1M]

The ARRL insurance is great, but it's quite expensive if you have a contest station with multiple towers, lots of antennas and pricey equipment. 

My homeowner's policy covered about $10K of damage to my ham gear and other devices in my house from a lightning strike (probably not directly on the tower, but a nearby surge picked up by the tower.) The insurance company knew it was ham gear because they had to hire a technical consultant to evaluate the damage. They didn't ask questions about the tower, which they probably didn't know about, or how the surge got to the equipment. (FWIW, I've taken steps to prevent a recurrence.)

I have accessory structure coverage, too, but honestly don't know if it would cover damage to the tower or antennas. The most probable damage would be from wind in conjunction with heavy ice buildup. Somewhat rare where I live, but not impossible.

73, Dick WC1M

-----Original Message-----
From: Gene Smar [mailto:ersmar at verizon.net] 
Sent: Tuesday, February 7, 2017 9:53 PM
To: 'Joe Subich, W4TV' <lists at subich.com>; towertalk at contesting.com
Subject: Re: [TowerTalk] Insurance

TT:

     After I had installed my tower in 2001, I contacted my insurance agent about coverage.  She told me that my tower is covered as an accessory structure.  That return email from her is in my tower file.  YMMV.


73 de
Gene Smar  AD3F



-----Original Message-----
From: TowerTalk [mailto:towertalk-bounces at contesting.com] On Behalf Of Joe Subich, W4TV
Sent: Tuesday, February 07, 2017 7:44 PM
To: towertalk at contesting.com
Subject: Re: [TowerTalk] Insurance


California is always out in left field.  Years ago in Ohio, my antennas and towers were covered without question as "auxiliary structures" - no different than the barn, detached garage and summer kitchen on my property.  The only issue is that coverage for "auxiliary structures"
is generally limited to 10% of the primary coverage.

I had occasion to test the coverage as the result of winter storms and there was no issue.  The damaged antennas and cost of replacement were covered without question (after providing the necessary proof of loss).

73,

    ... Joe, W4TV


On 2/7/2017 6:46 PM, Arnie Pfingst wrote:
> Several people here have mentioned "home owners insurance" will cover 
> towers and antennas. Here in So. Calif i was advised by my insurance 
> co. that unless "Tower. or Antenna Support" or what ever is 
> specifically mentioned its not covered in any way. I got a special 
> rider to make sure my tower and antenna are covered. It is like $15 yr 
> for full replacement cost
>
>
>
>
> Sent via the Samsung Galaxy S®6 active, an AT&T 4G LTE smartphone 
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