[TowerTalk] Insurance for my tower??

Timothy Coker n6win at yahoo.com
Tue Apr 3 16:02:19 EDT 2018

As you’ve done check with your particular insurance. My old tower was indeed covered under accessory structure which also was 10% of my home’s replacement value.
Mine was damaged and the adjuster was excellent about working with myself in documenting the problem. We had Hector, XE2K, do an estimate of exactly what you have mentioned in your thoughts. We also had a new tower from Tashjian Towers quoted for replacement value after deeming that replacement was required.
With proper documentation everything was handled professionally and efficiently.
I was subsequently dropped from that insurance company during policy renewal even after being with them for twelve years without a previous claim.
A local insurance agent spoke to other various underwriters and had two competing company’s for my business without issue before there was a lapse in coverage.
Your thinking is valid... my base required a certain model replacement and that’s what I documented and asked for to keep costs down and not having to remove the old base which was still structurally sound.
A new crankup from US Tower will cost you a lot considering their current prices and I’m not surprised that the ARRL’s cap doesn’t work for you as it wouldn’t have for myself either. It’s expensive to have this done the way an insurance company wants it done, but at least the work will be done safely and within code which is their main concern.
I was at first amazed by the estimate that we submitted but having seen the labor first hand (and the fact that the replacement tower had much thicker wall diameter’s to meet our ever increasing state codes) it became quite apparent why it cost more than I thought. Both the tower manufacturer and installer did their own excellent jobs with demo, haul away, fabrication, permit plans, and installation.
My advice is to document your talks with your current insurance company through emails as while the claims process was fine, the underwriter later claimed no knowledge of my communications with the company via phone calls when I had permitted and built the structure. The reason for dropping me was that they had not known of the increased risk due to my tower structure previously, that was utter BS as I talked to them during planning, building, and after completion. End of the day they paid out but the dropping portion still bothers me based on the way they justified dropping me. Not everyone will be honest.
Tim / N6WIN.

Sent from Yahoo Mail for iPhone

On Tuesday, April 3, 2018, 12:14, Don W7WLL <w7wll at arrl.net> wrote:

My tower and all are covered by my homeowners insurance as accessory items 
on the property.


-----Original Message----- 
From: john at kk9a.com
Sent: Tuesday, April 03, 2018 11:56 AM
To: towertalk at contesting.com
Subject: Re: [TowerTalk] Insurance for my tower??

You can increase your home owner's accessory structure insured amounts.
$50k for a 20 year old 72' crankup seems excessive.

John KK9A

Dick Blumenstein WroteL

I have just completed a tower build which took me a good part of a year
to do.

Last October a rare tornado came through the area and devastated a lot
of homes, trees and property. I started wondering if my house insurance
would have covered the tower and antennas if it was up at that time. I
found out.... mostly not; i.e. Actual Cash Value (ACV) not Replacement
Cost, and then only up to 10% of my house insurance limit. They also
couldn't tell me exactly how an adjuster would calculate the ACV.

The 72' US Tower I bought and installed was in fairly good shape and
about 20 years old. I realized that one of the scenarios in a downed
tower would be the ability to find the _exact_ same replacement tower to
exactly fit over the embedded 1" bolts sticking up through the concrete
base. I don't even want to think about that issue!

I checked with the ARRL tower insurance folks (Risk Strategies Company)
and their limit is only $15K and hence I was told they couldn't insure it.

Since a replacement value on the tower, motorized winch systems, prop
pitch motor, mast and antennae if totaled (plus labor to haul away the
broken pieces and INSTALL all the replacement parts) could cost $50K or
more (for new), I was wondering if any other company insures ham radio


Dick, K0CAT


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