Reloading Home Owners Insurance

Discussion in 'Handloading and Reloading' started by Mark_Mark, Oct 10, 2021.

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  1. Soonerpesek

    Soonerpesek Member

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    You're a good sport.....good on you....:thumbup:
     
  2. CQB45ACP

    CQB45ACP Member

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    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.
     
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  3. Armorer 101

    Armorer 101 Member

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    Mark, call your agent or company representative and ask about the HO coverage for your personal hobby.
     
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  4. twarr1

    twarr1 Member

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    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.
     
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  5. Mark_Mark

    Mark_Mark Member

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    last time i called, they tried to royal eat me alive. I’ll have to figure out a plan of action. I think I’ll get some of those Prepper tube and bury them in the back yard. Problem is it rains alot in Seattle
     
  6. Mark_Mark

    Mark_Mark Member

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    Wow you wrote me a poem! Steak Dinners on ME! wink wink
     
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  7. FROGO207

    FROGO207 Member

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

    Mark_Mark Member

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    Washington is very free… for now. CCW permits are done by mail. I’m moving to Florida, I for a buddy there, :)!
     
  9. kfd518

    kfd518 Member

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    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.
     
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  10. Airborne Falcon
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    Airborne Falcon Contributing Member

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    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.
     
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  11. ParallelCode

    ParallelCode Member

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

    Mark_Mark Member

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    Did a hole in your back yard or under a barn or shed. That’s what I’m doing. They also have The Puck and it’s a humid and temp and motion monitor
     
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  13. Mark_Mark

    Mark_Mark Member

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  14. Mark_Mark

    Mark_Mark Member

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    $32 on Amazon… buying it now
    5401FDC8-BF70-472F-948A-8BB7F65A9519.jpeg
     
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  15. Airborne Falcon
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    Airborne Falcon Contributing Member

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    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).
     
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  16. Mark_Mark

    Mark_Mark Member

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    store the powder and primer in the mother in/law suite. Not joking, then get only what you need in small quantities. I think a blast cabinet with a electronic monitor Puck would be great idea.
     
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  17. Mark_Mark

    Mark_Mark Member

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    also carful what you tell your insurance company, thus could turn out to be an expensive call
     
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  18. reddog81

    reddog81 Member

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    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.
     
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  19. gifbohane

    gifbohane Member

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  20. higgite

    higgite Member

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    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. ;)
     
  21. Mark_Mark

    Mark_Mark Member

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    I’ll try it, don’t like it… return it. $32
     
  22. GeoDudeFlorida

    GeoDudeFlorida Member

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    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.
     
  23. GeoDudeFlorida

    GeoDudeFlorida Member

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    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? o_O:thumbdown:
     
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  24. GeoDudeFlorida

    GeoDudeFlorida Member

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    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!
     
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  25. Walkalong

    Walkalong Moderator Staff Member

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    Wandered off topic
     
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