[TowerTalk] Insuramce

[Jim Brown]

I strongly concur with this advice for all insurance. Nickel and diming 
for less than major claims is a great way to get cancelled or have rates 
raised. Every place on earth has different major hazards -- hurricanes, 
flooding, tornadoes, etc. We're in the mountains in W6, where the major 
concerns are trees falling, earthquakes, and wild fires.

I don't file claims for incidental damage to my car either.

73, Jim K9YC

On 5/23/2020 3:23 AM, Rob Atkinson wrote:
> The purpose of a policy on hour home and other structures on your land
> is to cover catastrophic loss.  Examples:  Fire, a large tree falling
> on your home, destruction from earthquake, tornado, (your roof blowing
> off) ... that sort of thing.  If bad luck has made your house
> uninhabitable, then you should probably file a claim.  You do not file
> a claim when Johnny breaks a window with a baseball, or any other
> little piddly thing.   Your ham hobby doesn't count 95% of the time.
> But there are many folks who don't understand insurance, and think
> it's a money pot for funding home improvements and get angry when
> they're told no, a broken window doesn't mean Insurance pays for all
> new windows all over your home.