AS I posted earlier, My 1420 caught fire and burned. The fire was contained some what to the motor side of the combine. The left side of the combine still has the belts and paint on it including the hydralic pump. So do I take a chance and repair it or at what point do you declare it a loss. This was one sweet machine, low hours and smooth as silk. It has the hydralic assist on it and none of it was damaged. We discussed trying to get the motor off of it and seeing if we could start it on the shop floor and go from there. I guess what I want to know is what would you do. The insurance company is dealing me a fit on it and I don't know if I am going to get any thing out of them. The only way is if I sue them. I hate to do that but I am tired of being ram rodded by insurance companies.
- Thread starter Animal
- Start date
I had a blanket policy that was to cover personal property everything but livestock and stored hay up to $10,000. They are telling me now that the combine had to be on its own policy. It has really got my head to spinning. If I loose I loose, but I am not going down without a fight.
Chris in SK
Member
If you paid the premium, I'd fight the insurance company to the bitter end. Find out who is in charge and harass the sh.1t out of them.
As far as fixing it, I don't know. I guess you just have to price out all the parts. 14 series aren't worth much now.....don't take that the wrong way, but you could put a lot of money into it, unless you can find good used parts. Radiator ok? how about hoses, bushes, bearing seals, wiring, belts, elevator paddles etc. Might be cheaper to find another 1420 and start swapping parts. Did fire dept hose it down when it was burning?
As far as fixing it, I don't know. I guess you just have to price out all the parts. 14 series aren't worth much now.....don't take that the wrong way, but you could put a lot of money into it, unless you can find good used parts. Radiator ok? how about hoses, bushes, bearing seals, wiring, belts, elevator paddles etc. Might be cheaper to find another 1420 and start swapping parts. Did fire dept hose it down when it was burning?
Chris in SK
Member
Yeah, tough call, especially if you get stiffed by the insurance co. The motor is probably ok. I don't think I'd take it out. Maybe just rig up a battery and fuel supply and see if it will fire up.
Brown Dirt Cowboy
Member
- Location
- Jackson Mo
Yes, after this ordeal I found out that some of my tractors did not have any coverage. I am so angry with all this it makes me sick....Be sure and check your policies and if you have any doubt call your
agent. I was dead nuts sure that any of my equipment that had a value of $10,000 or less was covered.
agent. I was dead nuts sure that any of my equipment that had a value of $10,000 or less was covered.
tomstractorsandtoys
Well-known Member
Dad rented a farm years ago and the barn was hit by lightning. He lost his 336 baler and I lost my 45 combine in the fire. His insurance company said they would not pay for his baler as it was not in his shed. If the fire would have been at the home farm they would have paid for it. My plan paid for the combine with no problems. They leave themselves way to many loopholes. It is sad to lose any nice equipment to a fire. Tom
Don't know anything about the electronics on that model, but I read somewhere, and it was advice based on experience, fix a combine that has had collisions, shed collapse or other types of damage, but run very fast away from one with fire damage. The electronics never will work right again. No personal experience, just passing on what I had read someplace.
I never heard of a farm policy that did not require you to list all equipment and the values of it. How would they know if you had one $10K piece or twenty???? My policy covers anything I buy for 30 days and then it has to be listed with the current value and serial number. The only blanket coverage is on my shop tools and I carry a set amount o them. Everything else over $500 has to be listed. I have never heard of a policy like you think you had.
As for fixing a burnt combine. Your IH 1420 has few electronics on it. If you can get a good complete harness for yours then you MIGHT have good luck. As for the motor. Since it still had the oil in it and none of the aluminum parts melted then it should be fine. Your injection pump might be damaged if it was on the burnt side. The seals and such in them will not take much heat but the pump should be rebuildable.
As for fixing a burnt combine. Your IH 1420 has few electronics on it. If you can get a good complete harness for yours then you MIGHT have good luck. As for the motor. Since it still had the oil in it and none of the aluminum parts melted then it should be fine. Your injection pump might be damaged if it was on the burnt side. The seals and such in them will not take much heat but the pump should be rebuildable.
You are probably 100% correct, But their is no place in my policy that states what you have spoke of and my agent sure did not tell me any different. Other than my shop fire a few years back I had never filed an insurance claim in my life. Being ignorant about insurance, I took the policy at face value which states, Unscheduled personal property other than livestock. Property not covered hay in open or in buildings. Now I ask you what would you think?
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