You mean like the bogus claim mentioned on the other recent thread where house was blown to smithereens?I know better than to ask my insurance company about reloading in my house. Has anybody dealt with reloading and homeowners insurance?
my question is, will the homeowners insurance cover me if I make a mistake?
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.You mean like the bogus claim mentioned on the other recent thread where house was blown to smithereens?
In this context, don’t ask, don’t tell might rule the day unless there is a “better disclose in advance” clause in the policy.
Many homeowners use refillable propane tanks for residential grill/BBQ. I know of an incident where a residential grill/BBQ had a propane leak that caused an explosion of the garage that literally blew the attached garage apart and part of the main house.You mean like ... where house was blown to smithereens?
In this context, don’t ask, don’t tell might rule the day unless there is a “better disclose in advance” clause in the policy.
What are your concerns?I’m going to look at storing my powder/primers/ammo off premises
If the propane tank was in the garage and that’s where he was grilling, he should’ve disclosed he wasn’t very bright.Many homeowners use refillable propane tanks for residential grill/BBQ. I know of an incident where a residential grill/BBQ had a propane leak that caused an explosion of the garage that literally blew the attached garage apart and part of the main house.
Should that homeowner have disclosed to the insurance company that he might have a grilling/BBQ "mistake"?
What are your concerns?
LOL .If the propane tank was in the garage and that’s where he was grilling, he should’ve disclosed he wasn’t very bright.
That’s a frightening scenario. Remember back when we were permitted to fill our own tanks at the hardware store? I saw a guy start filling without fully screwing down the connector….the tank broke loose under pressure and shot across the parking lot.LOL .
Propane grill/BBQ was "stored" in the garage when leak occurred and home owners was not actively cooking in the garage. According to news report, fire department presumed the entire content of the propane tank leaked into the garage over time while the homeowner was away from the house and stressed storing of propane tanks in areas where any leaks can vent to atmosphere.
I just read my policy (with an old large well known insurer) and the only place “explosion” is mentioned is if I rent my property, explosions are excluded. Otherwise I presume you’re correct, if it’s legal, it’s covered. Presumptions are really dangerous though, eh? But I dare not ask.Once upon a time, I was in the insurance industry. The language in your policy rules, but my guess is that unless it is specifically excluded, it is covered so long as it is a legal activity. Say you burned your house down cooking meth.......probably not going to be covered. Then there are some other strange twists......for example an arson fire is covered........unless it was you what set it.
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. For those type customers, agents and company tend to pay reasonable claims.....no questions asked. An online company......say one like you see on TV......has no loyalty to anybody. Independent adjusters who handle their claims may be instructed to look for ways to avoid paying if they can.
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.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 conception (and give you back all your money to boot).
They will insure you for the business use, but rate you up because of it.
My insurance agent told me back when I was working/commuting into DC, if I exceeded my mileage or used a different car once and a while, a “reasonable person/good faith standard” was applied as required by State Insurance Commission. Doesn’t mean they wouldn’t try to back out, but at least I had a recourse.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, AL, TX (Twice) and 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?
Here are SAAMI recommendations and requirements for "residential" storage of powders and primers - https://saami.org/wp-content/uploads/2018/04/Info-Doc-Smokeless-Powder.pdfI’m going to look at storing my powder/primers/ammo off premises
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
under ground in my back yard! was thinking of digging a hole and water proof itWhere exactly would this off premise location be? Who is gonna let you store flammable (powder) or explosive (primers)??
Put it next to the primer factoryunder ground in my back yard! was thinking of digging a hole and water proof it
Put it next to the primer factory
Independent adjusters who handle their claims may be instructed to look for ways to avoid paying if they can.
Put it next to the primer factory
Sorry Mark_Mark, but these comments never get old....LOL.....
I have surrendered to the joke and will live with it the rest of my internet life!Sorry Mark_Mark, but these comments never get old....LOL.....
i hate everyone here! lolAnd yes, I'm chuckling...