[VHFcontesting] [VHF-Contesting]Dealing with Insurance Dweebs

[w3sz]

Hi, Dave,

I am sorry to hear of the difficulties your insurance company is giving  
you.  Unfortunately, your experience is not unusual.

Hearing of experiences like yours with the 'usual' insurance companies  
prompted me to get the ARRL-sponsored insurance some years ago, even  
though I carry a significant amount of the 'usual' insurance for my  
home/properties/contents.  I have always kept the ARRL policy in force and  
up to date.

The things you describe provide a very good reason to buy the  
ARRL-sponsored insurance.  It pays replacement value.  No depreciation,  
etc.  With insurance, as with everything else in life, you get what you  
pay for, and I consider the ARRL Insurance to be an excellent value and  
have all of my ham equipment, associated test equipment, ham-related  
computer gear, etc. insured via the ARRL.

You might check it out to protect you against the 'next time' something  
occurs.  Anyone on the list considering insuring their station should  
check it out as well:

http://www.arrl.org/FandES/field/regulations/insurance/equipment.html

I hope that things work out OK for you!

73,

Roger Rehr
W3SZ


On Sat, 27 Aug 2005 11:48:52 -0400, Dave Vondrasek <n5ito at davidv.net>  
wrote:

> Welp here is were I'm at now after talking to an Insurance Adjuster. This
> isn't looking all that good as I can see, I had to spend 30 minutes
> explaining to him is was not a room full of AM/FM Stereo eqt. and give  
> him a
> class is Ham radio operations.
>
> I'm being sent  forms for "Inventory" of what was damaged, On this form I
> have to provide the Cost of the items when new and the year, and also the
> model and ser #'s.. ,Then this information is put through a Process of  
> them
> telling me what a "depreciated" value of the item is and how much I get  
> for
> replacement value. If Im lucky I think I might get enough "value" to go  
> buy
> a new CB radio!
>
> This is not all new gear.  The FT-990 could be bought back in 1991 for
> $1995.00, but try to explain to them it can still be bought now for  
> around
> $1000 used when all the INRAD filters and such are installed like this  
> one
> even after 14 years.  I will most likely wind up with a single  
> transceiver
> instead of separate VHF/UHF & HF rigs because of this after all the  
> numbers
> fall.  Because what they offer isn't going to buy a new rig for each now.
>
> So my current task is to play their own game and see what happens, Its a
> numbers game. The value is based on the Retail Price for the year and  
> then
> depreciated from that. I can play this game too I guess. The FT-990 was
> brought out in 1991, but was sold for several years after that, so if I  
> give
> the last year of manufacture with the price at that time, I have less
> deprecation then if I give 1991. So I need some help from anyone that can
> help. I've been searching the Internet for prices and years for items to  
> get
> the highest value for the items. Some I can't fine.  If anyone has old
> catalogs with MSRP and a date and year and can FAX or email a PDF showing
> this, that would be great. I need to get a nice high dollar value to  
> replace
> at least most of the gear.  Below is the Inventory of items.. I need the
> last year of Manufacture and MSRP.
>
> 1.Yeasu FT-990 with All the INRAD filters.
>
> 2. Yaesu FT-736R Loaded
> 	w/6 Meters
> 	w/FEX-736-220 220mhz module
> 	w/XF-455MC 600hz CW Filter
> 	w/CW Keyer Unit
> 	w/FTS-8 CTCSS Tone Squelch Board
> 	w/FTS-8 tone encoder / decoder
> 	w/ Voice Module
>
> 3. CDE Ham IV ( Still available @ $559.95)
>
> 4 Tempo 2002 2-Mtr 1KW AMP ( Early Henry)
>
> 5. Mirage MP2 ( Still available @ $235.00)
>
> 6. TE Systems 0510G
>
> Some gear I can't test as I can't put it on line like the SB-220 as I  
> have
> no HF radio now. So I'm not  sure if it's dead or now. I'm lucky is  
> wasn't a
> direct tower strike, or I don't know how I'd get cost of 4 each Modified
> KLM-16LBX modified to 18 LBX .
>
> Dave - N5ITO
> Rebuilding after Lightening.
-- 
Roger Rehr
W3SZ
http://www.qsl.net/w3sz