Reloading Home Owners Insurance

Mark_Mark said:

I have surrendered to the joke and will live with it the rest of my internet life!

keep them coming ladies!

Click to expand...

You're a good sport.....good on you....

There was a reloader named mark mark

His bite was not louder than his bark bark

But he’d see many things in the dark dark

These things numbered three and primer factories they’d be

Despite more evidence for the ark ark.

Mark, call your agent or company representative and ask about the HO coverage for your personal hobby.

Most jurisdictions incorporate NFPA standards by reference. That’s what I follow. 20# of propellants and 10k primers are the limits for ‘residential’ buildings.
The guy who blew his entire house down while reloading…? There’s more to the story I’m sure.
In my region there’s an adversarial relationship between insurance companies. People look at it as a savings account. I can’t count how many times I’ve heard “I’ve paid into my homeowners policy 10 years, it’s time I got a new roof” This kind of ignorant dishonesty costs me $$$ in higher rates.

Mark_Mark said:

Wow you wrote me a poem! Steak Dinners on ME! wink wink

Click to expand...

If that is all they can pin on you then rest easy OP.
You know, if it ever becomes unbearable there is always the option to move to one of the free states. We will welcome you.

LiveLife said:

When wife and I bought our retirement vehicles, I told our insurance company and my sister as our agent we likely won't drive more than 5000 miles a year on each vehicle, which she agreed as I would essentially drive to grocery stores and doctor's appointments.

Well, my wife and her future SIL decided they wanted puppies and wife and I this year drove to PA, TX (Twice) and AL from CA and picked up four puppies (And I drove my wife's sister to NE after holidays) racking up over 7000 miles round trip to PA alone and 5600 miles round trip to AL recently. If we had an accident during our last trip with odometer showing over 25,000 miles driven just this year, would my insurance company deny my claim and cancel my policy?

BTW, here are Faith and Charity playing with wife on the couch ... And believe me, they had plenty of "accidents" I had to clean up. Shhhhh, don't tell USAA insurance company puppies had "accidents".

Click to expand...

I won’t touch Usaa ins ever again after having to pay a very large settlement out of pocket due to THEM not auto drafting the payments out of my account and cancelling the policy for non payment. The problem however was them not notifying me until I tried to make a claim days after it was cancelled and was notified while attempting to make the claim that it had been cancelled. 2 phone lines working email and the same mailing address the entire time I was with them. Got a letter 4 days after attempting to make the claim notifying me of the cancellation....... hmmmmmm..... at the time I had my 2 vehicles insurance and renters insurance as well as the loan on the second vehicle through them.
A good friend cancelled shortly after this incident and when asked what the reason he was cancelling his policy with them for he gave them my member number which I are him for that reason.

dad had a water heater leak, and hail damage to a shingle roof (now metal paid for out of pocket. They denied the rook claim and told him if he had another claim after the water heater they would cancel his policy. No claims prior to that in over 20 years with them.
Sorry to thread jack but I wouldn’t trust them as far as I can throw them since they changed years ago.

Howa 9700 said:

There may be one exception as relates to reloading, my Lyman 50th mentioned somewhere that there are local codes that may limit how much powder you can store on the premises. They mentioned 20 pounds loose and 50 pounds if stored in a 1" thick wooden cabinet. If so, and you exceed that, they might try to get out of it.

Plus it may depend on your relationship with your agent. I've been a customer of the same agency for decades.....no losses.

Click to expand...

if those limits apply then I am screwed. I do know you have to declare that you reload with the local fire department here ... and, once you do, they'll let your house burn down.

20 pounds though? I am so screwed if that's the case. Now you've got me wondering so tomorrow I am going to have to make some calls and ask some questions .... for a friend.

Airborne Falcon said:

if those limits apply then I am screwed. I do know you have to declare that you reload with the local fire department here ... and, once you do, they'll let your house burn down.

20 pounds though? I am so screwed if that's the case. Now you've got me wondering so tomorrow I am going to have to make some calls and ask some questions .... for a friend.

Click to expand...

Is that declaration requirement SC state law or some kind of city/county ordinance?

ParallelCode said:

Is that declaration requirement SC state law or some kind of city/county ordinance?

Click to expand...

I know it's local/county for sure but I am pretty sure it is IBC mandated, or rather OSHA perhaps, under combustible materials in commercial or residential occupancy regs. I'm going to-be on the phone quite a bit today making calls. All of this has my interest peaked. I've already installed the chemical extinguisher system plus I have two cannister types and the mandatory smoke detectors throughout ... I really believe the less shared with big business and government bureaucrats these days the better, but I wanna know.

We have a large reloading community/club here ... I'll be calling some of the other members today too. I've been reloading for decades I just never worried about it before because my man cave was in a detached building. But that's since been turned into a mother in law's house so I had to relocate into a room in the garage which is attached to the house (until I build the new detached garage).

Google "Smokeless powder storage container". There are a number of ideas there. Line it with fire resistant drywall for extra protection. It won't ignite until your house is a pile of glowing embers.

Mark_Mark said:

link to the Puck
https://www.lockdown.com/products/logicenabled/smart-puck/the-puck/1099416.html

Click to expand...

Please let me know how this is used? You dig the hole and insert this device into it for alerts that it is being breached?

Mark_Mark said:

$32 on Amazon… buying it now
View attachment 1031044

Click to expand...

You did see where it has a 3 star out of 5 rating with more 1 stars than 5 stars? Amazon does have a good return policy though.

Mark_Mark said:

I’m not going to ask my insurance company, I once told them I edited photos for work in a room and they wanted to up my premiums because of “business” usage.

I’m going to look at storing my powder/primers/ammo off premises

Click to expand...

Here's an interesting parallel - Turkey Fryers.
https://www.netquote.com/home-insurance/thanksgiving-home-insurance-claims
Compare the number of annual turkey fryer accidents with documented annual reloading accidents and then try to find out how many homeowner's policies were cancelled/claims rejected last year because the homeowner owned a turkey fryer.

The local volunteer fire department has inspected my storage room and approved it so it could be added to my HOI with a special rider. We also have special riders for my wife's jewelry following an inspection and certification by the Alarms Unit of the CSO. Those special riders save us about $800/yr on our HOI. They don't cost us $, they save it - BUT! the local VFD now has our add-on room flagged as "do not enter" in case of fire because it contains explosives - black powder, specifically. It's not the guns or ammo, it's the explosives that get you flagged by insurance, and that's because most fire departments (in this state, anyway) will only contain, not extinguish, if that part of your house catches fire.

Howa 9700 said:

One more thing.....lying on your application for insurance is the #1 reason they use for denying claims. Say you drive 30,000 miles a year for business, yet you told them you only drive to church on Sunday. You have an accident.......they find out the truth......they not only deny the claim, but cancel the policy back to inception (and give you back all your money to boot).

They will insure you for the business use, but rate you up because of it. Insurance is a large numbers game of stastistical probability. As long as everybody tells the truth, it works.

Click to expand...

Insurance is gambling.
You're betting you will live a miserable existence filled with injury and loss reimbursements.
The insurer is betting you will live a charmed existence of on-time premium payments.
Which bet would you rather win?

FROGO207 said:

If that is all they can pin on you then rest easy OP.
You know, if it ever becomes unbearable there is always the option to move to one of the free states. We will welcome you.

Click to expand...

Except Florida. Don't come here. It's dangerous, the place is filled with bugs and poisonous snakes. Everything that crawls, flies and walks will eat you. The natives are ignorant and hostile. Stay away! We have COVID out the wazoo! If you live north of the Georgia line, turn around now before it's too late!