Jerry et al:
I've written this a few times on TowerTalk: As Louie B. Meyer (of MGM
Studios) once said, "Oral contracts aren't worth the paper they're written
on." Get it in writing from your insurance agent! I have my original of
this note safely tucked away in my tower file.
73 de
Gene Smar AD3F
----- Original Message -----
From: "Jerry Keller" <k3bz@arrl.net>
To: "WD4K" <WD4K2@charter.net>; <towertalk@contesting.com>
Sent: Thursday, May 22, 2003 4:08 PM
Subject: Re: [TowerTalk] Grounding and Insurance WD4K
> I called my insurance company today and was told that all my ham equipment
> including my antennas are covered as personal property, same as TV sets,
> VCRs, and other electronic equipment, against theft, lightning, windstorm,
> and all the other perils that personal property is covered for. The tower
is
> covered as an additional structure. I specifically asked about special
> schedules and limits and was very clearly told (by the underwriter
himself)
> there is no requirement for special schedules for electronic equipment,
and
> no exclusion for communications equipment, amateur radio, etc. I also
asked
> about grounding systems, and he said that, for insurance purposes, my
ground
> system just has to comply with the electrical code. The limit on personal
> property is 75% of the overall dwelling coverage... far more than what I
> have here... which seems to cover just about everything. It would appear
> that, at least here in PA, I wouldn't need any coverage other than my
normal
> homeowner's policy. Or am I missing something here?
> Jerry K3BZ
>
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