My area and no doubt several other areas had a
rather severe storm the other day leaving many
homes without electric.
Major amounts of food were lost, trees were destroyed.
Looking at the insurance now. Sort of hard to find a fair
value.
My parents homeowner policy covers food loss in fridge
and freezers with no deductible. That sound fair. But they
would list a COMPLETE list of what was lost and a price.
That sounds a bit harder. Much was homegrown. The beef
was a calf when we bought it. The ham was once a little bitty
piglet.Granted that store bought items are easier to price.
But insurance wants a list right down to the ketshup and
mustard.
What's an average freezer full of food worth?
Now his trees. No insurance per tree, but does have a $500.00
per claim clean up fee. But to go there, it has a $500.00 deductible.
Makes that a wash in my eyes.
My homeowners is just backwards from my parents.
My freezer has the $500.00 deductible. I had the other half
of the cow and the pig stuck in there. My trees -- in the yard only--
were at $500 each with a $500.00 total deductible. My woods are
uninsured against the wind. They are insured against fire only.
But I did not lose a complete tree in my yard. Only major limbs
in six trees came down. But not the tree. So insurance is saying
they own me ONLY the $500.00 clean up fee for all trees.
My generators both failed this time. Hadn't been tried for a while.
Did end up with smaller portable units, but too little too late.
Not required by insurance to have a generator nor make any
attempt to have one. So the cost and expense of them is on
us. Fair enough. But the reason we needed them was covered
by insurance.
So...Who's figuring on turning food loss into their insurance?
Me, I figure a full freezer is worth a few thousand.
Cut the limbs and burn them. It's a wash. Write it off for Fire
Department practice.
And before anyone says it will just raise our rates...Dad is on
borrowed time already. Now it might work on my rates. But I
don't think dad should be worried.
Spook...after the storm
rather severe storm the other day leaving many
homes without electric.
Major amounts of food were lost, trees were destroyed.
Looking at the insurance now. Sort of hard to find a fair
value.
My parents homeowner policy covers food loss in fridge
and freezers with no deductible. That sound fair. But they
would list a COMPLETE list of what was lost and a price.
That sounds a bit harder. Much was homegrown. The beef
was a calf when we bought it. The ham was once a little bitty
piglet.Granted that store bought items are easier to price.
But insurance wants a list right down to the ketshup and
mustard.
What's an average freezer full of food worth?
Now his trees. No insurance per tree, but does have a $500.00
per claim clean up fee. But to go there, it has a $500.00 deductible.
Makes that a wash in my eyes.
My homeowners is just backwards from my parents.
My freezer has the $500.00 deductible. I had the other half
of the cow and the pig stuck in there. My trees -- in the yard only--
were at $500 each with a $500.00 total deductible. My woods are
uninsured against the wind. They are insured against fire only.
But I did not lose a complete tree in my yard. Only major limbs
in six trees came down. But not the tree. So insurance is saying
they own me ONLY the $500.00 clean up fee for all trees.
My generators both failed this time. Hadn't been tried for a while.
Did end up with smaller portable units, but too little too late.
Not required by insurance to have a generator nor make any
attempt to have one. So the cost and expense of them is on
us. Fair enough. But the reason we needed them was covered
by insurance.
So...Who's figuring on turning food loss into their insurance?
Me, I figure a full freezer is worth a few thousand.
Cut the limbs and burn them. It's a wash. Write it off for Fire
Department practice.
And before anyone says it will just raise our rates...Dad is on
borrowed time already. Now it might work on my rates. But I
don't think dad should be worried.
Spook...after the storm
