My story:
In 2000, I went to live in another state to go to school and took my
entire ham radio station.
When I returned home in 6 months I unloaded my ham station in my garage
(due to cold snowy weather)and place it on the floor behind my car. When
I opened the garage door to get the car out, I put the car in reverse
(stupid I know) and backed over my whole station. Allstate the insurance
company paid for all new equipment, as I had replacement cost coverage.
That means that any item, no matter how old or how available it was at
the loss date would be replaced with like kind or better.
The one interesting item was a hand held computer, with basic installed.
Value $10 bought at a ham radio swap shop. They elected to replace it with a
$1500 laptop, as there was nothing close to its capabilities of lesser expense.
Likewise my Drake R4, T4X (value $400) was replaced with a new Yeasu FT767GX,
(value $2300), among other items.
Good insurance pays off sometimes.
van wd8aam
At 15:17 4/29/2010, hanslg@aol.com wrote:
> I (we) lost our house in a lightning related fire 1998. It was a
> total loss. All that remained was ashes and charcoal. I had
> problems with the insurance company regarding the estimated value
> of my station. Their depreciation was way more than what I could
> accept. One reason was that I depreciated the value myself before
> submitting the inventory list to the company.
>
>Lesson learned: Always list the full price of whatever you had and
>let them do the depreciation them-self.
>
>Not that it mattered that much. I had a lot of stuff I didn't use
>and the value we finally settled for bought me some nice new stuff.
>
>73 de Hans - N2JFS
>
>
>
>
>
>
>
>
>-----Original Message-----
>From: Don Tucker <w7wll@arrl.net>
>To: Towertalk <towertalk@contesting.com>
>Sent: Wed, Apr 28, 2010 10:34 pm
>Subject: [TowerTalk] Lightning Damage and Insurance
>
>
>I'd like to start a new thread but around the lightning damage inputs many
>of you have made. I moved a few years ago from Portland OR (close to 0
>lightning issues at the location I was in) to the central OR coast (one heck
>of a lot more lightning as the storms roll in off the ocean and against the
>Coast mtn range), but no strikes. Still maintain the Portland home, but
>that's another story.
>
>I have the probably a little better than typical homeowners insurance
>(obtained through AARP) but never gave much thought to the issue of what
>coverage, if any, there is in the policy that would cover my equipment,
>towers or antennas and feedlines. Response to the one claim I've had as a
>result of a severe wind storm here on the coast was handled excellently and
>without delay, and the adjustment fairer than I expected. I do intend to
>bring the question of station coverage up with the company.
>
>I'd be interested in input from those who have had bad or good insurance
>encounters relating to claims involving amateur radio stations. You may
>contact me directly. Don't want to see any insurance company bashing on this
>reflector.
>
>Thanks,
>
>Don W7WLL
>
>
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