stolen boards and homeowners inc.
Chatzigianis tony
of my van, in San Luis Res.
I called my insurance agent who filed a claim with
State Farm, but the company now claims that this
is not covered under the homeowners policy, because
they say watercrafts stolen away from home
aren't covered
Does anyone out there have an opinion/suggestion
or had a similar experience in the past ?
Thanks
Jim Titus
On this particular matter, it would help if you post the precise
language of the policy. The policy, not what they tell you on the
phone, is what counts. If there is a genuine ambiguity, it would
probably be construed against them since they drafted the policy. If
you don't have the policy, ask them to send you another copy.
Certainly, if the policy said exactly what you quote, it sounds like you
are out of luck. But it would be better to quote the language of the
policy--that may be just their interpretation. Windsurfers are
watercraft--but why wouldn't your auto insurance cover this?
Insurance companies do not stay in business by bending over backwards to
pay every borderline claim. I have a friend whose house was covered by
State Farm before a large tree fell on it during a thunderstorm. State
Farm refused to pay to restore the house to its original condition, and
kept lowballing. They are in litigation years later.
Thanks for the heads up--I'll have to check my CNA auto/homeowner policy
to see if I am covered.
wndsurf
watercraft because they not required to be licensed. I falls more under
the catagory of toys. I don't know if this helps but its what I've heard.
Chatzigianis tony <cha...@beauty.asd.sgi.com> wrote in article
<35B40B1B...@beauty.asd.sgi.com>...
vtvuR...@worldnet.att.net
beach in Cape Haterras, NC. State Farm, my insurance company covered
it. In fact they paid for an equivalent replacement board which I
still have until today, a HiTech 9.6 Slalom.
That was in 1988 so State Farm may have changed their policy.
Vinh Vu
Scott Carter
State Farm - I do not know State Farm's exact policy wording or
coverage.
I do know my companies coverage and like many others (possibly including
StateFarm) the coverage for windsurfers (it is specifically stated in
the Policy Back)are limited to either $500 or $1000. An option may exist
to increase that coverage to $5000 for additional premium. This coverage
only exists for Home or Condo Owners and Not Renters.
But if you are concerned about theft or many kinds of Damage to your
sailboard (especially from some uninsured windsurfer running into to
you!) then your best bet is to get a Policy from the United States
Windsurfing Assn. - contact Holly - US...@aol.com and she will give you
more info. It is the Best way to cover your equipment, with a few extras
thrown in.
The response to you should be in writing if their is a turn down in
coverage, by the Claims office - if not recieved, contact your Claims
office with your Claim # and talk with either the Adjustor or the Branch
Claims office Supervisor .
Good Luck
Randall Rainey
My Insurance company is Erie Insurance for my car and home. What got
stolen was my tool box with all my spare parts. Some of which were not
available at any windsurf store and that made my other board unusable.
The main part that was stolen was the mast foot for my Fanatic Club
330. The Donut to attach the foot to the board could not be gotten at
the time any where. I called my Insurance Broker and they said under my
home owners policy that "If I can not get the part, then they replace
the board." I now have a Mistral Explosion 315 plus all the other parts
that were replaceable. I also got to keep the Club 330 as at the time I
had to Fanatic boards and both used the same foot. The reason I kept
the board which was ok by the Insurance Company is due to the fact that
I only had 2 boards and my wife was learning to sail and I could only
sail 1 at a time then. So they increased my deduction from $100.00 to
150.00 for this incidence and I kept the board.
I would suggest reading your policy carefully and see what it says.
This was as if I was on vacation and my personel property was covered on
the location. Upto 2500.oo I think but I recieved a check for approx.
$1800.00 which covered the tools fins etc. that was lost to the kids in
my neighborhood.
Later,
Chatzigianis tony wrote:
> I had recently two Mistral boards stolen from the roof
> of my van, in San Luis Res.
> I called my insurance agent who filed a claim with
> State Farm, but the company now claims that this
> is not covered under the homeowners policy, because
> they say watercrafts stolen away from home
> aren't covered
> Does anyone out there have an opinion/suggestion
> or had a similar experience in the past ?
>
> Thanks
--
Randy
May the wind be always @ your back! (:-))
My Email address is blue...@toad.net
My Webpage is http://www.toad.net/~bluefrog/
Paul Scrutton
My state farm home owners policy in North Carolina states that coverage
in included for up to $1000 for watercraft. State Farm considers a sailboard
and any associated equipment to be watercraft. I've looked into getting extra coverage for the rest of my equipment, however through state farm in North Carolina the only option seems to be to purchase a seperate policy for every boat - i.e. board, each with a seperate deductible. My quick 2 c's is that USWA insurance looks like it is the way to go.
--
Paul Scrutton
USWA Member US-292
My views may not agree with those of employer.
Christopher Lollini
> language of the policy. The policy, not what they tell you on the
> phone, is what counts. If there is a genuine ambiguity, it would
> probably be construed against them since they drafted the policy. If
Excellent advice.
I've had two boards stolen...one from my car-top and the other from
behind my residence.
The board stolen from my car-top was covered by my auto insurance,
because it was locked to the rack with a bike lock.
The board stolen from my residence was covered by my homeowners because
it was locked to the house with a chain and Masterlock.
You should check with your insurance agent(s), and make sure they earn
their comission...your agent should be on the ball and should have the
answers for you. But it does depend on how the policy is written.
Chris
Barry Ritchey
I had some gear stolen from the top of my van a few years ago. My
carrier was Allstate. The loss WAS covered as personal property. I think
the cap was something like $1000-1500. I have both home and auto with
the same company. Maybe I was lucky in their decision to cover me.
Your best bet. Get the USWA insurance policy for 2% of the insured
amount. The minimun policy is $100/year. You are a USWA member aren't
you ... ? -B
Chatzigianis tony wrote:
> I had recently two Mistral boards stolen from the roof
> of my van, in San Luis Res.
> I called my insurance agent who filed a claim with
> State Farm, but the company now claims that this
> is not covered under the homeowners policy, because
> they say watercrafts stolen away from home
> aren't covered
> Does anyone out there have an opinion/suggestion
> or had a similar experience in the past ?
>
> Thanks
--
++++++++++++++++++++++++++++++++++++
The Ritchey's - Albuquerque, NM
barr...@earthlink.net
++++++++++++++++++++++++++++++++++++
Jay
watercraft. It has been numerous years since I had State Farm, but when I
did I was able to purchase a special rider specificly for my gear so that it
was covered. I know that Farmers Ins, (at least in Oregon) also has this
rider and I have purchased it too. Fairly cheap, but there is a limit of
only $4000.
Jay Giddings
Christopher Lollini
>
> Most h/o policies will not cover winsurfing gear because of an exclusion for
> watercraft.
....unless you're in an area where they are not watercraft.
According to my insurance agent:
no title = not watercraft.
If it is not a licensed watercraft, then it is sporting equipment. Most
h/o policies will cover sporting equipment.
Chris
Molitor
advice.... Take ALL your insurance business elseware. State Farm is one
of the most Expensive policies on the market and they are a bitch to
deal with when you have a claim.
I'm sure plenty of you will debate this. but IMHO STATE FARM IS SHIT.
mol
Chatzigianis tony wrote:
>
> I had recently two Mistral boards stolen from the roof
> of my van, in San Luis Res.
> I called my insurance agent who filed a claim with
> State Farm, but the company now claims that this
> is not covered under the homeowners policy, because
> they say watercrafts stolen away from home
> aren't covered
> Does anyone out there have an opinion/suggestion
> or had a similar experience in the past ?
>
> Thanks
--
Please Remove NoSpam from my email address to reply
_____________________________________________________________
"People are like a can of Jalapenos. You never know which ones
gonna burn your ass."
Paul Rodriguez --
_____________________________________________________________
skip schott
If your state case law rules "windsurfers" as "watercraft" you are
screwed. Your HOMEOWNERS policy is designed to covered normal household
goods. On the other hand, if your state case law rules windsurfers as
"play toys" or NOT watercraft - you have a shot at disputing your claim.
1. Check with USWA - they have alot of info on this subject.
2. Write a complaint letter - you can also involve your state Insurance
Department. They watch over insurance complaints.
3. Dont listen to wankers named "Molitar" - usually wrong and dont
think logically to solve a problem.
Molitor
Are you disputing my logic. I was screwed by SF period. There is no
logic to dispute. My agent said I was covered, claims wouldn't pay up.
mol
My experiences with dipshits named skip varies.
--
TCSadt
dispute. My >agent said I was covered, claims wouldn't pay >up.
Your agent didn't write the policy. He sold it to you. What Skip says about
legislation in your state governs over insurance carrier's policy and is in
deed the case. Based on my knowledge, what an insurance agent says, outside of
sales and some underwriting issues, doesn't mean diddly, as he has no authority
over the payment of claims. He sells a product, that's it. Sounds like you
need a new agent?
Dan Thorne - Lorton, Va.
Thorne Claims Service, Inc.
Molitor
I am CERTAIN I am insured now.
Regardless, I still feel that the agent is a representative of State
Farm and that they should of paid on my claim. Hell, thats why I went
to the agent in the first place. Im not a damn expert on insurance
legalease. I described my situation and was assurred by the agent that I
was covered when in reality I wasnt. If I was the expert I wouldnt need
the agent now, would I?
mol
--
TCSadt
alot of money and agents who only scrape by or eventually quit. Had he put it
in writing to you, you could have filed an "errors & ommission" claim on him.
If it was just a verbal, you're out of luck.
doggie
contract would be believed by this party to be binding, no?
TCSadt
>contract would be believed by this party to be binding, no?
I think the agent wouldn't agree to being liable for a verbal, since HE KNOWS
he has no authority. He's not gonna admit to it and wouldn't accept it. Have
to have it in writing. One last thing, when you buy an insurance policy,
you're actually signing a contract which you agree to and will abide by, same
as the insurance carrier. Hence, the agent is off the hook, unless he feels
brave enough to put it in writing.