Reloading and homeowners insurance
- Thread starter cberge8
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LeonCarr
Member
Don't lie...ever. There are enough liars in the world today. The Spetsnaz Commander in the movie Red Dawn said, "Lies have the stench of cowardice and defeat". Don't be a liar or a coward. There are enough of those in the world today also.
Store your powder and primers separately and store them to DOT specs and you should be ok. You can find the DOT powder storage guidelines online or in just about any reloading manual. Per DOT smokeless powder is a flammable solid, not an explosive.
Just my .02,
LeonCarr
Store your powder and primers separately and store them to DOT specs and you should be ok. You can find the DOT powder storage guidelines online or in just about any reloading manual. Per DOT smokeless powder is a flammable solid, not an explosive.
Just my .02,
LeonCarr
Whooaaaa! Some bad advices here.
First, your insurance agent, your insurance company ARE NOT YOUR FRIENDS. Never.
You insurance agent will be a tell-taler to avoid to lose his contract with the insurance company if he has too.
I worked for years for a auto/property/bonds insurance company insuring all East Coast states. My job made me work cleely with the adjusters.
Do not lie. But hide EVERYTHING. Don't even have your dogs present when the 'safety' inspection occurs. You have to list your dogs breed, if they are mutts, make them lab-mix.
Cover your fireplace wood piles or split them and you just burn a little bit of wood for comfort and not 5 cords per year. Just have the chimney swept each year by a pro and keep invoice.
Certainly NEVER display on wall , while the inspector cones, firearms or even answer a question about it. Do not have anything firearm related that he can ever see. He will report even if he sees a gun magazine on the living room table.
An insurance company cannot refuse to pay to replace a damaged roof or stolen goods because you did not divulge you have guns.
Umbrella are another thing. Personally, i have an umbrella because we have a vackyard lake and we expect floaters and the issues arising with it. As of now, no floater landed on our shore. But the umbrella is from a different insurance company than my house and car. A little bit more expansive, but safer .
i was part of the pilot team who implemented the first major credit scoring attached to your insurance premium with a major insurance company. The correlation was incredible. When we did the R&D, it was 95%. So, do not think the insurances companies dot not have R&D about firearms owners, pet owners, even the kind of underwear you wear I would guess. When I left the company for another sector, we just signed a contract with a major datawarehousing company and establish a data contract betwwen a credit card company and the insurance company to do correlations betwen customer claims and buying habits.
First, your insurance agent, your insurance company ARE NOT YOUR FRIENDS. Never.
You insurance agent will be a tell-taler to avoid to lose his contract with the insurance company if he has too.
I worked for years for a auto/property/bonds insurance company insuring all East Coast states. My job made me work cleely with the adjusters.
Do not lie. But hide EVERYTHING. Don't even have your dogs present when the 'safety' inspection occurs. You have to list your dogs breed, if they are mutts, make them lab-mix.
Cover your fireplace wood piles or split them and you just burn a little bit of wood for comfort and not 5 cords per year. Just have the chimney swept each year by a pro and keep invoice.
Certainly NEVER display on wall , while the inspector cones, firearms or even answer a question about it. Do not have anything firearm related that he can ever see. He will report even if he sees a gun magazine on the living room table.
An insurance company cannot refuse to pay to replace a damaged roof or stolen goods because you did not divulge you have guns.
Umbrella are another thing. Personally, i have an umbrella because we have a vackyard lake and we expect floaters and the issues arising with it. As of now, no floater landed on our shore. But the umbrella is from a different insurance company than my house and car. A little bit more expansive, but safer .
i was part of the pilot team who implemented the first major credit scoring attached to your insurance premium with a major insurance company. The correlation was incredible. When we did the R&D, it was 95%. So, do not think the insurances companies dot not have R&D about firearms owners, pet owners, even the kind of underwear you wear I would guess. When I left the company for another sector, we just signed a contract with a major datawarehousing company and establish a data contract betwwen a credit card company and the insurance company to do correlations betwen customer claims and buying habits.
Elkins45
Member
There's a fire code limitation on gunpowder storage. If you ever pick up one of the loading brochures the powder makers give away it usually has information on safe storage and fire code limits somewhere in the front. Reading one of them was the reason I built a powder storage magazine with 1" wood walls. I wanted to be 100% in compliance with the fire code in case there ever was a problem.
FWIW my powder storage box is located directly under where the ABS plastic water line enters the house. I have the hope this might act as sort of a primitive sprinkler system on the remote chance I ever have a powder fire. If the fire got hot enough to melt through the line then maybe the deluge of water would either cool the powder fire or at least disperse it. It may be dumb but it didn't cost anything to do.
orionengnr
Member
- Joined
- Jan 3, 2005
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- 5,709
And yet again by a first time poster....:banghead:
Jcinnb
Member
I would opine that just opening this thread, you need 100% disclosure.
You have no idea where people work, etc. your user names could be subpenoed in a big enough claim, and searches done. Plus NSA already has this recorded.
I doubt reloading would affect premium, but if it did, several dollars a month rather than a denied claim.
You have no idea where people work, etc. your user names could be subpenoed in a big enough claim, and searches done. Plus NSA already has this recorded.
I doubt reloading would affect premium, but if it did, several dollars a month rather than a denied claim.
oneounceload
member
You can hide the powder, but what are you going to do about your gun safe? Guns typically require a rider for coverage anyway
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