Bank Safety Box is cheap and well worth the money.
You need to back up and get copies of all important paperwork
lost due to the flood. Your responsibility.
I do not know the insurance laws in your state, but I do know that
in Ohio, my show cars, unlicensed and not driven, were not covered
by my homeowner policy. Insurance company wanted a separate policy
on those cars. I declined.
Same with my spare Kenworth. Not covered by the company policy, as it
it not used often. Not worth my paying a years commercial insurance on
something that may not haul a load. They wanted an additional rider policy
to cover that truck setting in my yard.
Wife's riding mover is covered under homeowners. Golf cart is not. I do have a
separate policy on the golf cart, primarily for bodily injury. I have never asked
about the Kubota farm tractor.
Apparently things with titles are viewed differently by insurance companys.
I would not cheat an insurance company. Pointless. But I would satisfy the claim.
As the roof is yet to be removed, the damage underneath is at this point unknown.
When it is safe to do so, make a list of ALL damaged items. Overlook nothing. At that
point, figure a dollar amount. And DO take pictures.
But it will all go back to your policy. Do get a copy of it, and read it. I bet it will have a
clause on contents, and loss of use. I would think the garage to be considered as an
outbuilding.
But generally speaking, I don't think titled vehicles are covered by homeowners insurance.
You need to back up and get copies of all important paperwork
lost due to the flood. Your responsibility.
I do not know the insurance laws in your state, but I do know that
in Ohio, my show cars, unlicensed and not driven, were not covered
by my homeowner policy. Insurance company wanted a separate policy
on those cars. I declined.
Same with my spare Kenworth. Not covered by the company policy, as it
it not used often. Not worth my paying a years commercial insurance on
something that may not haul a load. They wanted an additional rider policy
to cover that truck setting in my yard.
Wife's riding mover is covered under homeowners. Golf cart is not. I do have a
separate policy on the golf cart, primarily for bodily injury. I have never asked
about the Kubota farm tractor.
Apparently things with titles are viewed differently by insurance companys.
I would not cheat an insurance company. Pointless. But I would satisfy the claim.
As the roof is yet to be removed, the damage underneath is at this point unknown.
When it is safe to do so, make a list of ALL damaged items. Overlook nothing. At that
point, figure a dollar amount. And DO take pictures.
But it will all go back to your policy. Do get a copy of it, and read it. I bet it will have a
clause on contents, and loss of use. I would think the garage to be considered as an
outbuilding.
But generally speaking, I don't think titled vehicles are covered by homeowners insurance.
