Posted by Determined on July 10, 2021 at 09:33:19 from (216.130.212.201):
In Reply to: How to heat my barn? posted by Dave BN on July 10, 2021 at 05:11:06:
Quoting Removed, click Modern View to see
In my opinion there should be a law that holds an agent responsible for damages if they don't sell you the proper coverage.
Years ago we received our annual renewal and in the envelope was a brochure outlining all the new changes to the policy.
About a month later the weather was miserable outside so I sat down and read through the brochure.
The first thing that caught my eye was a change that said the policy would not cover any building used whole or in part for any kind of business or farming activity.
My wife ran a small accounting business from home.
I used our Quonset to store tools and parts in and in addition to parking my service truck in it I did the occasional repair there as well.
All our other outbuildings were used in one way or another for purposes related to chicken, pigs, cattle, horses etc (farming)
Got ahold of our agent Monday morning and told him if I am reading this right our place could burn to the ground and at best you are going to cover damage to the dog house.
Took him 2 days to look into it and get back to me and his reply was you are 100% correct and I can't offer you any other coverage with this company.
We went elsewhere and got coverage that would actually be of use to us if a loss occurred.
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