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 - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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