My personal experience with State Farm has been wonderful. My lightening
strike occurred several years ago and they paid for everything, no
questions. Our local HAM store did the estimate for a small charge since I
wasn't going to give them the fried equipment. The estimated the TV, VCR
and all the HAM stuff including the antenna. State Farm accepted the
estimate and cut me a check while I was waiting.
If I had a tower I could add it's value to the policy for a small additional
fee but I don't remember how much. Also, you can add mobile rigs and mobile
antennas to your car insurance for almost nothing. I believe the only
stipulation is that the radio must be mounted and not just laying on the
seat.
BTW, they also have an option that covers other peoples things that you may
be using or trying out. I know from personal experience since I blew up my
son's friend's Commayuck 64 some years back. They replaced it no questions
asked.
My reflections about my insurance carried earn me no rewards or frequent
flyer miles, I'm just a happy customer.
73,
gary
======================
Gary H. Harmon, Jr. - K5JWK
6302 Robin Forest
San Antonio, TX 78239-3218
(210) 657-1549
gharmon@idworld.net
====================
SX-88s ARE VERY COOL !
-----Original Message-----
From: owner-tentec@contesting.com [mailto:owner-tentec@contesting.com]On
Behalf Of James Morgan
Sent: Monday, October 11, 1999 9:05 AM
To: tentec@contesting.com; Robert
Subject: Re: [TenTec] Insurance (Was: Omni Vi freq drift and poor
keyer?)
I took a lightning hit this year....NO ANTENNAS CONNECTED,
it hit the pole behind the house and came in on the tv cable and power
line.. and of course went to ground as it should... then distributed itself
throughout the house via the ground system...taking out the
transceiver, amplifier, 2M rig, computer, monitor, telephones, answering
machine, 32" tv receiver, stereo, 2 air conditioners, 4 lighting fixtures
etc etc....you get the idea. The amp is at Ten-Tec being repaired as we
speak. Insurance is under the homeowners with $500 deductible.. the
insurance carrier wants the homeowner to do all the leg work, won't send
out an adjuster to look at anything, you have to make arrangements to
get each item taken somewhere, pay for the estimate anywhere from $35 to $75
each depending on what it its, then if the insurance company feels
it was indeed a lightning hit they will perhaps pay to repair it... but you
don't find out till you have spent over a $1000 in estimates and removal
fees etc. Not a good experience.. Now, if not on the air, or actually
using the computer, NOTHING IS CONNECTED. It is a real catch 22
situation....for example if you pay $75 for an estimate to get your
transceiver fixed, it will of course be credited if you get it fixed there,
but,
if the insurance company wants it fixed somewhere else....no refund on
the estmate....same applies if they replace your rig... no wonder the
folks in the insurance business get so many perks......
Anyway, UNHOOK EVERYTHING WHEN NOT IN USE...
Good luck 73 Jimmy AE4NA
In Florida, the lightning capital of the
USA.
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