Insurance Company

Exactly Rev. Larry.

I deal with them almost daily. Or at least the auto insurance appraisers. A lot of these guys don't have a clue. They used to employ former body men who at least knew something about cars. Now they want to get some snot nosed geek right out of college, send them to a 2 week estimate training school, and then have that kid who doesn't even know how to check his own oil, come out and tell me how to and how long it will take to fix the vehicle.

I am not anti insurance, but damn I'd like to be on a level field with them.

Name me one item that you buy in which you don't really know what you bought until after the sale. And that would be insurance !!!!! You never get to see the policy until after you have already bought it.

I wish I had a nickel for every time I fought with an insurance agent over what was covered and what was not in a policy. Most times I had to go over their head and go right to the claims office to do what was necessary for my customer. And I hate to post this but my biggest problems were dealing with the women employed by the agent who thought they knew everything !!!!
Come to think of it, I deal with that every night when I get home......

Rick

My DVC-500's are covered under "Solid Fuel Appliance" in my policy.
There was no difference between wood and coal.
And no, the insurance company did not request a permit, inspection, etc....

Not to Highjack this thread but since this is about insurance...

Cell phone owners (more accurately expensive Smart Phone owners) check with your home owners insurance about "small" of "valuables" items policy. We have 3 phones (one business phone) all Samsung S4s and Note 2. Verizon phone insurance was over $100 each per yr with a $99 deductible., my wife inquired about what our home owners Insurance would charge for a rider. No need, the small items coverage is $18 per yr. for ALL 3 Phones with NO deductible.

Just thought I'd put this out there to help people out.

Now, back to our already scheduled program.

I talked to my agent when I started thinking about putting up an addition to the house and building a new shop, I asked about what the added insurance costs would be for a coal fired boiler in the new shop. He asked me to give him the sizes of the addition and the new shop. He did the figures and gave me two prices, one with no boiler in the shop and one with the boiler in the shop.
The price difference would pay for over the course of several years, a building to put the boiler and a coal bin in. The boiler in the shop would be considered an explosion hazard as my '66 Chevrolet Chevelle will be stored in the shop. Opposite end of the building in its own room.
For the most part the agent understands a home shop but the insurance companies do not. For the most part they don't understand that we do not depreciate equipment like a business does. I have machine tools in my shop and the value drops every year according to the insurance company.
Dan.

Flyer5 wrote:Try Erie Ins. You are in PA so it should be good. They have been good for other people I have recommended them to.

After the house fire I wouldn't give Erie anything but praise. They were outstanding.