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Joined: Feb 2007
Posts: 875 Likes: 1
Campfire Regular
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Campfire Regular
Joined: Feb 2007
Posts: 875 Likes: 1 |
My agent also told me last week, thats Southern Farm Bureau, that if you have more than 5 trees on your property, they will not write a policy. But everyone that has a policy is grandfathered it, there has been that much tree/house damage over the last couple years. I have 5 acres in the country, I'd be screwed.
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Joined: Aug 2003
Posts: 39,391 Likes: 62
Campfire 'Bwana
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Campfire 'Bwana
Joined: Aug 2003
Posts: 39,391 Likes: 62 |
My agent also told me last week, thats Southern Farm Bureau, that if you have more than 5 trees on your property, they will not write a policy. But everyone that has a policy is grandfathered it, there has been that much tree/house damage over the last couple years. I have 5 acres in the country, I'd be screwed. Ugh - that's nuts. I get it but also - man, hard. I went back and forth with mine last year because my policy is "full replacement" for the roof etc and my roof was way old. They wanted me to put a new one on so they felt better about spending the money. lol. My homeowners ins is 867 a year. Don't know if that's expensive but it is what it is.
Me
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Joined: Jan 2012
Posts: 67,551 Likes: 68
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,551 Likes: 68 |
How does the insurance company know you have it? They send snoops who take pictures of every room in your home. Farm Bureau of Tenn has never stepped foot in my home. That’s a n a Need to Know basis and they don’t need to know Although, I feel like maybe they should inquire, they wrote me a 400,000k policy. They do come out and walk around the outside. A pile of 10-12 deer stands in the front yard might clue them in. Maybe my agent still thinks ai bowhunt. 🫠
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Joined: Jan 2012
Posts: 67,551 Likes: 68
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,551 Likes: 68 |
The Tax Assessor seems to have more of a vested interest into ‘their asset’ than the insurqnce co. Might come a day the assessor has a hissy fit about gunpowder, chemicals, fuels on the property. Bless their hearts
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Joined: Nov 2008
Posts: 8,720 Likes: 6
Campfire Outfitter
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Campfire Outfitter
Joined: Nov 2008
Posts: 8,720 Likes: 6 |
My agent also told me last week, thats Southern Farm Bureau, that if you have more than 5 trees on your property, they will not write a policy. But everyone that has a policy is grandfathered it, there has been that much tree/house damage over the last couple years. I have 5 acres in the country, I'd be screwed. Ugh - that's nuts. I get it but also - man, hard. I went back and forth with mine last year because my policy is "full replacement" for the roof etc and my roof was way old. They wanted me to put a new one on so they felt better about spending the money. lol. My homeowners ins is 867 a year. Don't know if that's expensive but it is what it is. 3000-15,000 per year average. Mines 2200
Swifty
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Joined: Dec 2013
Posts: 44,743 Likes: 25
Campfire 'Bwana
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Campfire 'Bwana
Joined: Dec 2013
Posts: 44,743 Likes: 25 |
Fire and engineering: three legs of stool.
Oxygen air supply Fuel - flammable material/ accelerant Ignition source
They are trying to determine risk and severity of fire, should there be a fire.
In the UK there are laws controlling the amount /ass of flammable - explosives that maybe stored, how they are stored away from buildings etc. for home there are limits to how much can be stored in how think it is sixty pounds or kg equivalent. A lot by UK standards maybe not souch by Texas 🙂 Just one more example of why the UK has become a schithole .
Slaves get what they need. Free men get what they want. Rehabilitation is way overrated. Orwell wasn't wrong. GOA member disappointed NRA member 24HCF SEARCH
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Joined: Sep 2003
Posts: 23,534 Likes: 20
Campfire Ranger
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Campfire Ranger
Joined: Sep 2003
Posts: 23,534 Likes: 20 |
“To steve4102's point 'The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.'
That is an ignorant statement, but ignorance can be fixed with education.“
You just summed up 95% of Stevie’s posts.
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Joined: Oct 2007
Posts: 3,743 Likes: 8
Campfire Tracker
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Campfire Tracker
Joined: Oct 2007
Posts: 3,743 Likes: 8 |
I don’t even know what an insurance “appraiser “ is.
I know what an insurance Adjuster is.
I know what a bank/mortgage company “appraiser” is.
I know what a Home Inspector is.
What the hell is an insurance “appraiser “. Let me Google that for youThere. That wasn't difficult, was it? LOL. From your cool little linky. What Is an Insurance Appraiser and What Do They Do? When a policyholder files an insurance claim, their insurance company must assess the reported damage or loss to determine how much they are responsible for paying. Insurance companies often send an insurance appraiser to investigate, evaluate and settle these insurance claims. Psst, hey dumb ass, that is an “Insurance Adjuster”, After a loss, not when purchasing a policy, Yuge difference. Nice try Dumb Ass Read the whole result, you imbecile. If you can.
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Joined: Mar 2008
Posts: 3,544 Likes: 2
Campfire Tracker
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Campfire Tracker
Joined: Mar 2008
Posts: 3,544 Likes: 2 |
How does the insurance company know you have it? They send snoops who take pictures of every room in your home. They'd get a GFY and escort off the property here.
Direct Impingement is the Fart Joke of military rifle operating systems. ⓒ
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Joined: Nov 2020
Posts: 4,598 Likes: 6
Campfire Tracker
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Campfire Tracker
Joined: Nov 2020
Posts: 4,598 Likes: 6 |
Anyone have any recent experiences dealing with getting homeowners insurance with reloading supplies in the home? After googling it i see answers ranging from no way,to a 7lb limit on powder, to not a problem. Why would an insurer even know this?
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Joined: Dec 2013
Posts: 44,743 Likes: 25
Campfire 'Bwana
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Campfire 'Bwana
Joined: Dec 2013
Posts: 44,743 Likes: 25 |
So i guess their going to send an appraiser out, and i just assumed they would come inside? You own your house, the only way they get inside Is if you let them in.They have no say in the matter. They may say "Then we won't write a policy" . All you say is have a nice day I'll call someone else. That's it. YOU are the king. If there's one thing I've been a total bastard about in my life, It's about people letting someone into my properties without my approval. I tell tenants and workers straight up, If you let someone in this house without my permission, YOU ARE GONE.
Slaves get what they need. Free men get what they want. Rehabilitation is way overrated. Orwell wasn't wrong. GOA member disappointed NRA member 24HCF SEARCH
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Joined: Jan 2023
Posts: 1,381 Likes: 3
Campfire Regular
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Campfire Regular
Joined: Jan 2023
Posts: 1,381 Likes: 3 |
Having been an agent/broker for 35 years, perhaps I can offer some insight.
I know of no insurance companies that will ask about reloading supply's, or that will not insure a home with a reloader in it.
There are most likely local town ordinance's that limit how much powder we can have in the home, but, for example, in a fire, who's to say you had more than the town's limit?
There are insurance companies that require an inside inspection, especially for home with a replacement cost of $1,000,0000. The higher the home's value, the more likely the insurance company will demand an interior inspection, and, not by me. They will send their own guy.
Just last year, one of my companies now requires that I go inside the home and take pictures, just to get a quote., and this is on any price home, condo or townhome!
To steve4102's point 'The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.'
That is an ignorant statement, but ignorance can be fixed with education.
It is in the insurance companies best interest to be as sure as possible, that your home is insured to replacement cost. The rates are based, in large part, to the amount of insurance on the home, i.e., the higher the replacement cost, the higher the premium, so the more money an insurance gets
There can be multiple reasons why a home is under-insured, and here are a few examples: the owner finishes the basement, and doesn't tell his broker, the home owner adds a 2nd story or a wing, and doesn't tell the broker, the broker doesn't do a periodic review of the clients needs to find these things out, among others.
All the insurance companies I work with automatically increase the amount of insurance on a home each renewal. Is that enough of an increase to keep pace with rising costs? Did the homeowner do any upgrades during the year?
I have a client that both are Doctors, and they were remodeling a 2nd home they have in Aspen, CO. The client made sure to tell me the granite they were using came from the bottom of The Dead Sea, and not Granite, CO. He wanted to be sure he had enough coverage, which highlights steve4102 point of demanding to have enough coverage, and I agree with this.
Keep in mind adjusters are trained to re-underwrite a property when they are on a claim and give their findings to the underwriters. The underwriters will compare the adjusters information with what I put on the original application and may adjust the policy accordingly. Some states/locals have restrictions. Assuming NFPA stands a good chance of coming in to play in other areas. https://www.alliantpowder.com/getting_started/safety/storage_handling.aspx
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Joined: Jan 2001
Posts: 59,181 Likes: 3
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2001
Posts: 59,181 Likes: 3 |
I was thinking after an event, claim filed. Won't be appraisers, but adjusters, investigation. What if they discovered after the fact that you had powder, etc., outside the limits of the contract? Insurance companies, being what they are, will look for any loophole to deny a claim. Yep but end of the day - you need to read your contract/policy. Mine doesn't say a single word about it in there. In fact - the contract is basically about the limits - financially, not any exclusions other than it being a private residence, not commercial, no need for flood insurance given where I live . That and my umbrella coverage being added to the premium. THAT!
Ex- USN (SS) '66-'69 Pro-Constitution. LET'S GO BRANDON!!!
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Joined: Jan 2001
Posts: 59,181 Likes: 3
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2001
Posts: 59,181 Likes: 3 |
My agent also told me last week, thats Southern Farm Bureau, that if you have more than 5 trees on your property, they will not write a policy. So, they only cover homes in rural KS.?? Geeeeezzzzzzzzzz.. I would drop them like a molten-hot spoon..
Ex- USN (SS) '66-'69 Pro-Constitution. LET'S GO BRANDON!!!
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Joined: Oct 2007
Posts: 14,317 Likes: 3
Campfire Outfitter
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Campfire Outfitter
Joined: Oct 2007
Posts: 14,317 Likes: 3 |
It was probably Jewish feds disguised as insurance agents scoping out TRH’s abode looking for classified documents on the holocaust.
Its all right to be white!! Stupidity left unattended will run rampant Don't argue with stupid people, They will drag you down to their level and then win by experience
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Joined: Mar 2015
Posts: 2,158 Likes: 5
Campfire Regular
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Campfire Regular
Joined: Mar 2015
Posts: 2,158 Likes: 5 |
Can’t let them in my house, it’s too dangerous.
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Joined: Oct 2004
Posts: 26,678 Likes: 21
Campfire Ranger
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Campfire Ranger
Joined: Oct 2004
Posts: 26,678 Likes: 21 |
How does the insurance company know you have it? They send snoops who take pictures of every room in your home. Never happened to me or anyone I know. Twice for me. I hate that crap. Didn't know I had a choice if I wanted a policy. Florida may be more restrictive, and there aren't a lot of options.
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Joined: Oct 2004
Posts: 26,678 Likes: 21
Campfire Ranger
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Campfire Ranger
Joined: Oct 2004
Posts: 26,678 Likes: 21 |
To steve4102's point 'The Insurance industry is famous for underinsuring homes under the guise of “reasonable rates”. They could give two schits what your actual replacement costs are, or what is inside your home , as long as they keep you underinsured.'
That is an ignorant statement, but ignorance can be fixed with education. I would bet on it with him.
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Joined: Dec 2021
Posts: 2,352 Likes: 1
Campfire Regular
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Campfire Regular
Joined: Dec 2021
Posts: 2,352 Likes: 1 |
How does the insurance company know you have it? This. Its none of their damn business and why would anyone disclose that info? I would never give them that info in the first place.
Why do I have to press 1, for English?
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Joined: Feb 2001
Posts: 6,026 Likes: 5
Campfire Tracker
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Campfire Tracker
Joined: Feb 2001
Posts: 6,026 Likes: 5 |
The only time they’ve been to my house was when it needed a new roof. I had a claim for water damage inside once and they didn’t even want pictures.
Don't just be a survivor, be a competitor.
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