After 9-11 my insurance rates doubled on commercial property. Insurance companies want all your insurance business, personal, car, and business. So it is hard for me to chance companies. Many don’t want anything to do with commercial properties.
A few years ago, I had a Hail claim and that’s when I found out the difference between Actual Cash Value and Replacement Cash Value. The company I was with would only sell me ACV. I had a $4300 dollar claim and they would only pay $1550 of it.
I started calling around. Most will only sell ACV. That’s when I went to an insurance broker. They found me a company that sells RCV. A year later, I was glad I changed insurance company. A wind storm damaged 5 buildings. New company paid off like they should. Glad I switched.
Don’t feel like you are being discriminated against with a wood burner. Insurance companies are out to make money. They are state regulated. They can’t go broke. They have bean counters that look at areas cause them to pay a claims. You are many times more likely to have a fire with wood heat, period, plan and simple. high risk.
Some well known insurance companies won’t cover shingles that are more than 15 years old. Some won’t insure you if you have a certain breed of dog, a swimming pool, trampoline. The list can go on. Shop around, find yourself a broker that will sell you what you want, that’s what I did.
I don’t heat with wood. Never plan to either. I find the best heat source is INSULATION.
If most people would spend money on insulation instead on a chainsaw, wood spliter, a outside wood boiler, they wouldn’t have to work so hard and save money. Good luck.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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