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Everything is Gone

Discussion in 'Lawn Mowing' started by scott's turf, Feb 17, 2003.

  1. brucec32

    brucec32 LawnSite Platinum Member
    Posts: 4,403

    Often, a homeowner's policy will contain limits on property like this, but will cover a small amount, like $500 or $1,000 for trailers and mowers and such.

    Also, my commercial liablility policy doesn't include scheduled items like my mowers, I prefer to self-insure for those, but the declarations page does again show small coverages , $500-$1000, for equipment. Check your policies.

    Your outbuilding structure itself should be covered under the "other structures" portion of your policy. If it was a nice one, it would provide some cash towards replacing your mowers too, and you could just make do w/o the shed (trailer/tarp) till you could afford another one.

    This example shows how it's important to check your coverages regularly to make sure you're covered. I have a new Lazer Z and am buying another new wb, so I may have to up my coverage accordingly.
  2. scott's turf

    scott's turf LawnSite Senior Member
    from NH
    Posts: 949

    Yes, I have learned a painfull lesson. I built the shed for around $1500 materials. My Father inlaw owns a saw mill so I was able to get all the framing and clapboards for free. I have estimates from builders right now at around $6k. So that should help.
    Outbuilding is at $20k and personal property is around $150k. This is where is gets tricky. The adjuster is coming over on Tuesday so we will see. All the receits I have are made out to my name and my truck and trailer with my other mowers are at my parents house. Maybe they will cover it under the homeowners.
  3. scott's turf

    scott's turf LawnSite Senior Member
    from NH
    Posts: 949

    Update on our fire.

    we just got a check last week that completely covered all our loses. I built the original building for about 5k less than they gave us in the claim as well! Spent a good chunck already last week on a new lazer, ultra vac, 2 Shindawia blowers, 2 echo trimmers, an echo hedge trimmer, and a stihl chainsaw. It will be nice to have all brand new equipment although I would give it all back to not have had to go through all this. I am planning on building a new 16'X24' garage this spring. We don't have a walk out basement or garage so it is a major pain in the but to walk in and out of the basement through a bulk head. I have now updated all my insurances to cover all possible losses and purchased 3 huge fire extinguishers.
    Thanks for all your incouragement. Looks like things are going to work out fine!

  4. slowleak

    slowleak LawnSite Member
    from 63055
    Posts: 96

    life's just one big lesson in character building.take the negetive and flip it over to a positive.you can do it. :) kevin
  5. MOW ED

    MOW ED LawnSite Fanatic
    Posts: 5,028

    Good to hear that you are getting back up on your feet again. If the building is gonna be heated, you may want to think about adding a sprinkler system to it. The cost is really not that much considering the amount of pain and suffering it could save.

    If I ever build a house I will have one in the house for sure.

    Good Luck with your new stuff.
  6. scott's turf

    scott's turf LawnSite Senior Member
    from NH
    Posts: 949

    Good idea Mow Ed. It won't be heated all the time though so in the winter the pipes would freeze. Instead I plan on having a smoke detecter that is wired into the house so I can hear it go off if there is ever a fire again. Durring the fire we were in the house the whole time while the thing was burning and we had no idea it was untill it was completey engulfed.
  7. Gravely_Man

    Gravely_Man LawnSite Silver Member
    Posts: 2,076

    Glad to hear that everything is working out for you. Most if not all insurance companies will give you a break if you do have a sprinkler system installed in a building. Best of luck to you this season.

  8. lawnranger44

    lawnranger44 LawnSite Senior Member
    Posts: 370

    OUCH. Even if everything does get replaced, it just won't be the same....Sorry to hear about that.
  9. Ground Effects NH

    Ground Effects NH LawnSite Senior Member
    Posts: 601

    Thats Great !!!! Scott Really glad every thing worked out with the Insurance Co, After reading your story, Took a long hard look at my insurance.
    Also scott, where in NH are you I am in Franklin
  10. bastalker

    bastalker LawnSite Senior Member
    Posts: 965

    Glad to here things are ok with you now Scott..I know it was a devistating blow...Good Luck!!

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