Insurance policies are carefully written contracts. Seems one big problem is that many who buy insurance do not carefully READ those contracts.
The more you pay, the less "loopholes." Afterall, insurance companies are in business to make money; NOT out of altruism.
Often having a good agent who can "fudge things" makes a difference.
A friend of mine has a long-established auto-repair business. Two years ago, he did a pretty dumb thing. He raked big piles of leaves 100' near his building. Then, on a windy day, put waste oil on them and lit them on fire. The wind picked up, set his shop on fire and burnt it to the ground. Now, do you feel the insurance company should of paid for that loss? I don't. But, he was friends with the agent and also "mayor" of the town. It got covered and last I heard, blamed on "faulty wiring."
By the way, I see that huge barn that came down near Albay was also owned by a town mayor (or ex-mayor). To be technical, we call "mayors" Town Supervisors around here.
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Today's Featured Article - Restoration Story: 1929 McCormick-Deering 10-20 - by Randal Simmon. On July 4th 1998 my dad and I was sitting on the front porch when he said that he was going to sell his two 10-20's to a junk man. He said that the junk man was going to give him $500 for both of them but he hadn't received the money for them yet. So I went into the house and wrote him a check for $500 and bought them myself and said now they are mine. He had bought them about five years before thinking that he was going to restore them himself. After five years sitting in the barn, he changed h
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