Builder's insurance

[Wayne G. O'Shea]

Better be fast on your feet if it happens Mike! Supplimental heat must be
listed on your policy as well!

----- Original Message -----
From: "Mike Kimball" <mkimball@gci.net>
To: <rebel-builders@dcsol.com>
Sent: Tuesday, November 29, 2005 10:12 PM
Subject: RE: Builder's insurance

A giant aluminum doghouse, heated with an aluminum Chevy V8! A giant
aluminum supplemental heater for the shop!! A giant aluminum generator
supplying power to the shop during commercial power outages!!! A giant
aluminum wind tunnel with the wind on the outside of the tunnel!!!!

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of

Wayne

G. O'Shea
Sent: Tuesday, November 29, 2005 5:28 PM
To: rebel-builders@dcsol.com
Subject: Re: Builder's insurance

Boats are covered to $1500 on most house policies. Anything else has to be
valued and paid for including cars!

----- Original Message -----
From: "Mike Kimball" <mkimball@gci.net>
To: <rebel-builders@dcsol.com>
Sent: Tuesday, November 29, 2005 9:26 PM
Subject: RE: Builder's insurance

I have State Farm too. I'll have to check that out. At least

everything

except the avionics and my gear box is automotive. A custom, aluminum

car.

Or better yet, an airboat. I wonder if there is an airboat exclusion?

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of
bransom@dcsol.com
Sent: Monday, November 28, 2005 8:42 PM
To: rebel-builders@dcsol.com
Subject: RE: Builder's insurance

I have State Farm homeowners and the policy language is pretty wordy

about

not including *anything* to do with anything that flies. So, the sheet
metal, maybe, but the avionics and instruments I'd have to convince are

for

a
very strange car hobby. I'm self insured, not crazy about it, but

tough.

I

will reconsider when I get more invested (engine, avionics).
-Ben/ 496R

On 11/28/2005 5:19 PM, mkimball@gci.net wrote to rebel-builders:

If my shop burns down I won't file a claim for an airplane. I'll file

a

claim for $80,000 worth of sheet metal, avionics, instruments, engine,

nuts,

bolts, tools, etc...

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of
pequeajim@dcsol.com
Sent: Monday, November 28, 2005 5:06 PM
To: rebel-builders@dcsol.com
Subject: Re: Builder's insurance

WoW! I don't think anyone around here cares if I have something I am
building in my garage. I was just wondering if this was the norm? My
homeowners will very likely not cover it if my house burns down. I

won't

be

ready to move it to the airport till next summer/fall.

Jim!

On 11/28/2005 3:49 PM, jsteenson1@comcast.net wrote to rebel-builders:

-> Dear Mike,
->
-> I have my project insured for $40,000 with Skysmith Insurance.

Premium

was
-> $496. The City of Albuquerque insisted on it.
->
-> Jeffrey
->
-> ----- Original Message -----
-> From: "Mike Betti" <mbetti@up.net>
-> To: <rebel-builders@dcsol.com>
-> Sent: Monday, November 28, 2005 5:26 PM
-> Subject: Re: Builder's insurance
->
->
-> > All the builders I know don't buy insurance. I looked into a

policy

to

-> > cover
-> > $30K when I started my project and they wanted $700 a year. I

know

Falcon
-> > in
-> > WI does policys and if you go to EAA.org you may find others.
-> > Mike Betti
-> > 771E
-> > ----- Original Message -----
-> > From: <pequeajim@dcsol.com>
-> > To: <rebel-builders@dcsol.com>
-> > Sent: Monday, November 28, 2005 3:44 PM
-> > Subject: Builder's insurance
-> >
-> >
-> >> For you guys in the states; do you buy builder's inurance for

your

-> >> projects?
-> >> If so, what's it cost and where do you get it?
-> >>
-> >> Jim!
-> >>
-> >>
-> >>
->

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-> >>
-> >>
-> >>
-> >>
-> >
-> >
-> >
-> >
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-> >
-> >
->
->





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[Bob Patterson]

I like the "inside-out" wind tunnel !!! ;-) :-)

......bobp

-------------------------------orig.-------------------------
On Tuesday 29 November 2005 10:12 pm, Mike Kimball wrote:

A giant aluminum doghouse, heated with an aluminum Chevy V8! A giant
aluminum supplemental heater for the shop!! A giant aluminum generator
supplying power to the shop during commercial power outages!!! A giant
aluminum wind tunnel with the wind on the outside of the tunnel!!!!

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of

Wayne

G. O'Shea
Sent: Tuesday, November 29, 2005 5:28 PM
To: rebel-builders@dcsol.com
Subject: Re: Builder's insurance

Boats are covered to $1500 on most house policies. Anything else has to be
valued and paid for including cars!

----- Original Message -----
From: "Mike Kimball" <mkimball@gci.net>
To: <rebel-builders@dcsol.com>
Sent: Tuesday, November 29, 2005 9:26 PM
Subject: RE: Builder's insurance

I have State Farm too. I'll have to check that out. At least

everything

except the avionics and my gear box is automotive. A custom, aluminum

car.

Or better yet, an airboat. I wonder if there is an airboat exclusion?

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of
bransom@dcsol.com
Sent: Monday, November 28, 2005 8:42 PM
To: rebel-builders@dcsol.com
Subject: RE: Builder's insurance

I have State Farm homeowners and the policy language is pretty wordy

about

not including *anything* to do with anything that flies. So, the sheet
metal, maybe, but the avionics and instruments I'd have to convince are

for

a
very strange car hobby. I'm self insured, not crazy about it, but

tough.

I

will reconsider when I get more invested (engine, avionics).
-Ben/ 496R

On 11/28/2005 5:19 PM, mkimball@gci.net wrote to rebel-builders:

If my shop burns down I won't file a claim for an airplane. I'll file

a

claim for $80,000 worth of sheet metal, avionics, instruments, engine,

nuts,

bolts, tools, etc...

Mike

-----Original Message-----
From: mike.davis@dcsol.com [mailto:mike.davis@dcsol.com] On Behalf Of
pequeajim@dcsol.com
Sent: Monday, November 28, 2005 5:06 PM
To: rebel-builders@dcsol.com
Subject: Re: Builder's insurance

WoW! I don't think anyone around here cares if I have something I am
building in my garage. I was just wondering if this was the norm? My
homeowners will very likely not cover it if my house burns down. I

won't

be

ready to move it to the airport till next summer/fall.

Jim!

On 11/28/2005 3:49 PM, jsteenson1@comcast.net wrote to rebel-builders:

-> Dear Mike,
->
-> I have my project insured for $40,000 with Skysmith Insurance.

Premium

was
-> $496. The City of Albuquerque insisted on it.
->
-> Jeffrey
->
-> ----- Original Message -----
-> From: "Mike Betti" <mbetti@up.net>
-> To: <rebel-builders@dcsol.com>
-> Sent: Monday, November 28, 2005 5:26 PM
-> Subject: Re: Builder's insurance
->
->
-> > All the builders I know don't buy insurance. I looked into a

policy

to

-> > cover
-> > $30K when I started my project and they wanted $700 a year. I

know

Falcon
-> > in
-> > WI does policys and if you go to EAA.org you may find others.
-> > Mike Betti
-> > 771E
-> > ----- Original Message -----
-> > From: <pequeajim@dcsol.com>
-> > To: <rebel-builders@dcsol.com>
-> > Sent: Monday, November 28, 2005 3:44 PM
-> > Subject: Builder's insurance
-> >
-> >
-> >> For you guys in the states; do you buy builder's inurance for

your

-> >> projects?
-> >> If so, what's it cost and where do you get it?
-> >>
-> >> Jim!
-> >>
-> >>
-> >>
-> >>

-----------------------------------------------------------------

-> >> List archives located at: https://www.dcsol.com/login
-> >> username "rebel" password "builder"
-> >> Subscription services located at:
-> >> https://www.dcsol.com/public/code/html-subscribe.htm
-> >> List administrator: mike.davis@dcsol.com
-> >>

-----------------------------------------------------------------

-> >>
-> >>
-> >>
-> >>
-> >
-> >
-> >
-> >
-> > -----------------------------------------------------------------
-> > List archives located at: https://www.dcsol.com/login
-> > username "rebel" password "builder"
-> > Subscription services located at:
-> > https://www.dcsol.com/public/code/html-subscribe.htm
-> > List administrator: mike.davis@dcsol.com
-> > -----------------------------------------------------------------
-> >
-> >
-> >
-> >
->
->





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[wagnerb]

I know you guys are just joking around, but submitting a claim like a "wind
tunnel" or "dog house" would just end up with a "bad faith" denial of
coverage; insurance companies have no sense of humour whatsoever.

I am a lawyer in Calgary and I spend a lot of my time sueing and defending
insurance companies. Some insurance companies seem to take the position that
they are in the business of taking your premiums, not paying your claims. Of
course, I only see the ugly side of things, but it does happen an awful lot,
otherwise I might have to find "honest" work.

I haven't yet come across a case yet where someone claimed a loss for an
aircraft in his garage (built or not), but I have a sneaking suspicion that
many adjusters would simply refuse such a claim on principle. The principle
being, "I've never heard of such a thing, so we're not covering it."

Of course, depending on the wording of the policy - and whether you've told
them what's in the garage - the insurer might be legally obliged to pay. A
safe and easy thing to do is simply send an inventory of the entire house and
garage contents, with photos, and ask them to tell you what's *not* covered
under your current policy.

And keep a copy in a place not likely to catch fire. If the insurer doesn't
write back with a fairly clear indication that you need excess insurance,
you've at least got a leg to stand on if/when you ever have to make a claim.
Or, more importantly, enforce your rights under your policy of insurance.

Believe me, going through the exercise of sending an inventory in is a lot
cheaper than litigating the issue! It's not foolproof, but it's an easy way
of giving yourself some comfort about your insurance coverage.


Bill Wagner

On 11/29/2005 6:30 PM, beep@sympatico.ca wrote to rebel-builders:

->
-> I like the "inside-out" wind tunnel !!! ;-) :-)
->
-> ......bobp
->
-> -------------------------------orig.-------------------------
-> On Tuesday 29 November 2005 10:12 pm, Mike Kimball wrote:
-> > A giant aluminum doghouse, heated with an aluminum Chevy V8! A giant
-> > aluminum supplemental heater for the shop!! A giant aluminum generator
-> > supplying power to the shop during commercial power outages!!! A giant
-> > aluminum wind tunnel with the wind on the outside of the tunnel!!!!
-> >
-> > Mike
-> >





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[Wayne G. O'Shea]

Kinda like why I hold onto the intitial insurance work sheet my broker
filled out for my property...that clearly states the one 5000 sq ft building
is an Aircraft Hangar. They insured me for replacement value knowlingly with
that description right on the application......so as far as my broker is
concerned they (Royal) have to cover it as such and can't deny claims
because an airplane caused a fire etc...even though the fine print of every
policy states otherwise.

----- Original Message -----
From: <wagnerb@dcsol.com>
To: <rebel-builders@dcsol.com>
Sent: Wednesday, November 30, 2005 4:17 PM
Subject: Re: Builder's insurance

I know you guys are just joking around, but submitting a claim like a

"wind

tunnel" or "dog house" would just end up with a "bad faith" denial of
coverage; insurance companies have no sense of humour whatsoever.

I am a lawyer in Calgary and I spend a lot of my time sueing and defending
insurance companies. Some insurance companies seem to take the position

that

they are in the business of taking your premiums, not paying your claims.

Of

course, I only see the ugly side of things, but it does happen an awful

lot,

otherwise I might have to find "honest" work.

I haven't yet come across a case yet where someone claimed a loss for an
aircraft in his garage (built or not), but I have a sneaking suspicion

that

many adjusters would simply refuse such a claim on principle. The

principle

being, "I've never heard of such a thing, so we're not covering it."

Of course, depending on the wording of the policy - and whether you've

told

them what's in the garage - the insurer might be legally obliged to pay.

A

safe and easy thing to do is simply send an inventory of the entire house

and

garage contents, with photos, and ask them to tell you what's *not*

covered

under your current policy.

And keep a copy in a place not likely to catch fire. If the insurer

doesn't

write back with a fairly clear indication that you need excess insurance,
you've at least got a leg to stand on if/when you ever have to make a

claim.

Or, more importantly, enforce your rights under your policy of insurance.

Believe me, going through the exercise of sending an inventory in is a lot
cheaper than litigating the issue! It's not foolproof, but it's an easy

way

of giving yourself some comfort about your insurance coverage.


Bill Wagner

On 11/29/2005 6:30 PM, beep@sympatico.ca wrote to rebel-builders:

->
-> I like the "inside-out" wind tunnel !!! ;-) :-)
->
-> ......bobp
->
-> -------------------------------orig.-------------------------
-> On Tuesday 29 November 2005 10:12 pm, Mike Kimball wrote:
-> > A giant aluminum doghouse, heated with an aluminum Chevy V8! A giant
-> > aluminum supplemental heater for the shop!! A giant aluminum

generator

-> > supplying power to the shop during commercial power outages!!! A

giant

-> > aluminum wind tunnel with the wind on the outside of the tunnel!!!!
-> >
-> > Mike
-> >





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