atheena@ATHEENA.COM on thu 20 mar 03
I am not having an easy time getting insurance agents to
agree to let me run my kiln in my garage.
Is there anyone out there who has insurance and their
insurance agency KNOWS about their kiln?
If you do would you please email me and let me have thier
phone number?
I am stuck with a wonderful kiln and high hopes and dreams
which cant fly because my spouse insists on insurance.
Please someone there has to be an agent out there who will
insure something like this.
Paula Kernachan
Kristin on thu 20 mar 03
I have State Farm renter's insurance, and they know
about my kilns. My agent checked with the
underwriters, and they don't care. Doesn't even raise
my rates.
But I have electric kilns, which they consider safe
because there is no open flame (she listed a
woodburning stove as a bad thing in that list). Mine
are hard-wired with separate shut-off switches, etc.,
I don't know if this matters or not.
I wish you good luck. If your kiln is electric, it
sounds odd to me that an insurance agent cares at all!
- Kristin
--- atheena@ATHEENA.COM wrote:
> I am not having an easy time getting insurance
> agents to
> agree to let me run my kiln in my garage.
>
> Is there anyone out there who has insurance and
> their
> insurance agency KNOWS about their kiln?
>
> If you do would you please email me and let me have
> thier
> phone number?
>
> I am stuck with a wonderful kiln and high hopes and
> dreams
> which cant fly because my spouse insists on
> insurance.
>
> Please someone there has to be an agent out there
> who will
> insure something like this.
>
> Paula Kernachan
__________________________________________________
Do you Yahoo!?
Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
http://platinum.yahoo.com
Rob Haugen on thu 20 mar 03
Paula,
Check to see if your kiln is UL listed. If it is provide that information
to your insurance agent and that should solve your problem.
Rob Haugen
Olympic Kilns
----- Original Message -----
From:
To:
Sent: Thursday, March 20, 2003 8:45 AM
Subject: Insurance for home with Kiln
> I am not having an easy time getting insurance agents to
> agree to let me run my kiln in my garage.
>
> Is there anyone out there who has insurance and their
> insurance agency KNOWS about their kiln?
>
> If you do would you please email me and let me have thier
> phone number?
>
> I am stuck with a wonderful kiln and high hopes and dreams
> which cant fly because my spouse insists on insurance.
>
> Please someone there has to be an agent out there who will
> insure something like this.
>
> Paula Kernachan
>
>
____________________________________________________________________________
__
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
Working Potter on thu 20 mar 03
oops i meant to say that the agent has not been informed about [and you have
documentation of such information being shared]
L. P. Skeen on thu 20 mar 03
If you tell the insurance guy that you're running a business with a kiln in
your garage, they're not gonna go for it. My insurance guy knows there's a
kiln here, (or was, before I opened the studio), and wrote the policy as if
it was a hobby kiln.
L
----- Original Message -----
From:
To:
Sent: Thursday, March 20, 2003 8:45 AM
Subject: Insurance for home with Kiln
> I am not having an easy time getting insurance agents to
> agree to let me run my kiln in my garage.
>
> Is there anyone out there who has insurance and their
> insurance agency KNOWS about their kiln?
>
> If you do would you please email me and let me have thier
> phone number?
>
> I am stuck with a wonderful kiln and high hopes and dreams
> which cant fly because my spouse insists on insurance.
>
> Please someone there has to be an agent out there who will
> insure something like this.
>
> Paula Kernachan
>
>
____________________________________________________________________________
__
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
>
>
Working Potter on thu 20 mar 03
It is my understanding if one has a kiln in one's garage or basement or
elsewhere on one's home that were to catch fire to the dwelling that the
insurance company probably has an out when it comes to paying a claim for
such.
Kathi LeSueur on thu 20 mar 03
lpskeen@LIVING-TREE.NET wrote:
>If you tell the insurance guy that you're running a business with a kiln in
>your garage, they're not gonna go for it. My insurance guy knows there's a
>kiln here, (or was, before I opened the studio), and wrote the policy as if
>it was a hobby kiln.
>
>
>
>
>>If you actually are using your kiln for a business and you have a loss your claim will be denied. Your agent is not doing you any favors. An independent insurance agent who writes commercial insurance can set you up with coverage and you won't have to hide what you are doing with that kiln. If you think you will be covered talk to Steve Olsewski in Ann Arbor and see what his experience was.
>>
Kathi
>>
>>
Lari Ward on fri 21 mar 03
We had a fire 2 years ago in our home...unrelated to my kilns. The =
problem
was after the fire, as they cancelled our insurance BECAUSE I had kilns =
even
though my agent knew. I have a separate business and the pottery is
considered a hobby. But the insurance company said that because my =
studio
was large...I had 5, five gallon buckets of glaze...chemicals...slab =
roller,
wheel, etc...therefore I had the POTENTIAL for doing production. (oh =
my)
This was their rationale for canceling the policy. I contacted Skutt =
and
reviewed the codes for kiln installation for which I complied; wrote =
letters
to the insurance company and ultimately was reinstated; but at a
significantly higher rate. After a fire no one will accept you for =
three
years. So we have been held hostage with high rates. =20
I thought it was interesting how they determined I had the POTENTIAL for
production and asked them if they used the same rational for a person =
doing
wood working with multiple tools and large equipment. There really is a
bias. I really found that the insurance industry knows or understands =
little
about electric kilns, hazards, and pottery in general. I think =
education is
important, but my god they seem to hear only what they want to believe. =
Good luck...but definitely be sure that you have a commercial policy if =
you
are doing production. If there is any way they could tie a fire to your
kilns they would try. With a home policy you would be up a creek. =20
Lari Ward =20
-----Original Message-----
From: Clayart [mailto:CLAYART@LSV.CERAMICS.ORG] On Behalf Of
atheena@ATHEENA.COM
Sent: Thursday, March 20, 2003 5:46 AM
To: CLAYART@LSV.CERAMICS.ORG
Subject: Insurance for home with Kiln
I am not having an easy time getting insurance agents to
agree to let me run my kiln in my garage.
Is there anyone out there who has insurance and their
insurance agency KNOWS about their kiln?
If you do would you please email me and let me have thier
phone number?
I am stuck with a wonderful kiln and high hopes and dreams
which cant fly because my spouse insists on insurance.
Please someone there has to be an agent out there who will
insure something like this.
Paula Kernachan
_________________________________________________________________________=
___
__
Send postings to clayart@lsv.ceramics.org
You may look at the archives for the list or change your subscription
settings from http://www.ceramics.org/clayart/
Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
atheena@ATHEENA.COM on fri 21 mar 03
One would think that... however, USAA specifically Debbie
Rowe said it is her personal decision to never let us use
it. She said she has no intention of allowing me to ever
use my kiln in my home. Also that the UL listing means
nothing to her.
I know this is a listing that is made for insurance agents
for this very purpose. Seems she has a personal vengance.
She said she knew of a person who had a kiln and it was
always BLOWING UP... so she wont do it.
Of course we know that that is an internal blow due to a
number of things.... however, she is set in her opinion.
This is why I am looking for another insurance agent.
Thank you for your reply,
Paula
On Thu, 20 Mar 2003 14:19:08 -0500
Rob Haugen wrote:
> Paula,
> Check to see if your kiln is UL listed. If it is provide
> that information
> to your insurance agent and that should solve your
> problem.
>
> Rob Haugen
> Olympic Kilns
> ----- Original Message -----
> From:
> To:
> Sent: Thursday, March 20, 2003 8:45 AM
> Subject: Insurance for home with Kiln
>
>
> > I am not having an easy time getting insurance agents
> to
> > agree to let me run my kiln in my garage.
> >
> > Is there anyone out there who has insurance and their
> > insurance agency KNOWS about their kiln?
> >
> > If you do would you please email me and let me have
> thier
> > phone number?
> >
> > I am stuck with a wonderful kiln and high hopes and
> dreams
> > which cant fly because my spouse insists on insurance.
> >
> > Please someone there has to be an agent out there who
> will
> > insure something like this.
> >
> > Paula Kernachan
> >
> >
>
____________________________________________________________________________
> __
> > Send postings to clayart@lsv.ceramics.org
> >
> > You may look at the archives for the list or change
> your subscription
> > settings from http://www.ceramics.org/clayart/
> >
> > Moderator of the list is Mel Jacobson who may be
> reached at
> melpots@pclink.com.
>
>
______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your
> subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached
> at melpots@pclink.com.
atheena@ATHEENA.COM on fri 21 mar 03
Dear Kristin,
Can you give me your agent and what state and phone number
so my agent can contact them?
This was one of the reasons my agent said if I could find
somoene who could explain how to write up the policy.... so
your agents name and phone number would be totally awesome.
Paula
On Thu, 20 Mar 2003 09:55:54 -0800
Kristin wrote:
> I have State Farm renter's insurance, and they know
> about my kilns. My agent checked with the
> underwriters, and they don't care. Doesn't even raise
> my rates.
>
> But I have electric kilns, which they consider safe
> because there is no open flame (she listed a
> woodburning stove as a bad thing in that list). Mine
> are hard-wired with separate shut-off switches, etc.,
> I don't know if this matters or not.
>
> I wish you good luck. If your kiln is electric, it
> sounds odd to me that an insurance agent cares at all!
> - Kristin
>
>
>
> --- atheena@ATHEENA.COM wrote:
> > I am not having an easy time getting insurance
> > agents to
> > agree to let me run my kiln in my garage.
> >
> > Is there anyone out there who has insurance and
> > their
> > insurance agency KNOWS about their kiln?
> >
> > If you do would you please email me and let me have
> > thier
> > phone number?
> >
> > I am stuck with a wonderful kiln and high hopes and
> > dreams
> > which cant fly because my spouse insists on
> > insurance.
> >
> > Please someone there has to be an agent out there
> > who will
> > insure something like this.
> >
> > Paula Kernachan
>
> __________________________________________________
> Do you Yahoo!?
> Yahoo! Platinum - Watch CBS' NCAA March Madness, live on
> your desktop!
> http://platinum.yahoo.com
>
>
______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your
> subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached
> at melpots@pclink.com.
Jennifer F Boyer on fri 21 mar 03
I never had trouble getting home insurance on my house with
studio(full time business) in basement and electric kilns in
studio. I think they charged commercial insurance on my studio
space. But adding the gas kiln to that mix was a problem. A gas
kiln attached to the house meant they wanted to charge me
commercial insurance for the whole house..very expensive. I
always kept the gas kiln out in a shed. They wanted it 75 feet
from the house. Now I have a studio seperate from the house,
with gas kiln attached...heaven.
Jennifer
Kathi LeSueur wrote:
> lpskeen@LIVING-TREE.NET wrote:
>
>
>>If you tell the insurance guy that you're running a business with a kiln in
>>your garage, they're not gonna go for it. My insurance guy knows there's a
>>kiln here, (or was, before I opened the studio), and wrote the policy as if
>>it was a hobby kiln.
>>
>>
>>
>>
>>
>>>If you actually are using your kiln for a business and you have a loss your claim will be denied. Your agent is not doing you any favors. An independent insurance agent who writes commercial insurance can set you up with coverage and you won't have to hide what you are doing with that kiln. If you think you will be covered talk to Steve Olsewski in Ann Arbor and see what his experience was.
>>>
>>
>
> Kathi
>
>
>>>
>
> ______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
>
--
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Jennifer Boyer mailto:jboyer@adelphia.net
Thistle Hill Pottery Montpelier VT USA
http://www.thistlehillpottery.com/
Never pass on an email warning without checking out these sites
for web hoaxes and junk:
http://urbanlegends.about.com/
http://snopes.com
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Mitch Kotula on fri 21 mar 03
Key is to inform your insurance company that the kiln
is UL approved and send them the specs. If gas, same
deal, but show clearly how you are venting those hot
fumes and how you are putting that concrete sheeting
on the walls and how the kiln is far, far from walls,
etc.
Bob Briscoe has two, maybe more, huge gas kilns in a
garage-like building attached to his house and studio.
I use USAA and had no trouble with my electric Skutt
and Olympic.
Mitch
=====
Mitch Kotula
Development Plus
PO Box 2076
Hamilton, MT 59840-4076
406-961-5136 (Home)
406-546-6980 (Cell)
__________________________________________________
Do you Yahoo!?
Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
http://platinum.yahoo.com
Brian O'Neill on sat 22 mar 03
For the record, I had my homeowners policy canceled by USAA when I
relocated and bought a home on 5 acres with a barn which is where I set
up my studio. When I requested business insurance for the barn and
studio USAA said they couldn't accommodate me gave pretty weak reasons
for not even wanting to insure my home (which is 100 feet away from my
house).
I got a policy through Safeco. They have a business package that seems
to be aware of some of the specifics of a pottery studio, but I have a
lingering suspicion that if there ever was a fire, they would find other
"specifics" that I may not be meeting. They never came and inspected anything.
Brian O'Neill
Jim Tabor wrote:
>
> "Who's Eligible" left out dependents of miitary officers. My Father was
> Captain in USAF when he was killed in Korea in 1952 and I have been with
> USAA since 1972 even though I was never in the service.
> Auto and house claims have been fast and generous. I use them for my
> 401K and investments. They also refund a portion of auto insurance
> payments each December. I highly recommend anyone who can qualify to
> look into their services.
>
> Jim Tabor
>
> Rick Hamelin wrote:
>
> > The statement below is from their website. Unfortunately, I am not eligible
> >to apply for their policies. Thank God for the web, otherwise I would be
> >wasting alot of my time trying to track USAA for a quote. Now I know.
> >Join the USAA Family
> >A worldwide insurance and diversified financial services association, USAA has
> >provided insurance and financial services to the U.S. military community and
> >their families since 1922. And, like family, USAA understands the special
> >needs of its more than 4.9 million members.
> >A member-owned Fortune 500 company, USAA owns and manages more than $65
> >billion in assets. https://ww3.usaa.com/lcs_corp/Logon
> >
> >Who's Eligible
> >Active duty, National Guard and Reserve enlisted personnel, officers and
> >officer candidates, and their families are eligible for membership in USAA. Do
> >you want to find out if you are eligible?
> >
> >
> >>Key is to inform your insurance company that the kiln
> >>is UL approved and send them the specs. If gas, same
> >>deal, but show clearly how you are venting those hot
> >>fumes and how you are putting that concrete sheeting
> >>on the walls and how the kiln is far, far from walls,
> >>etc.
> >>
> >>Bob Briscoe has two, maybe more, huge gas kilns in a
> >>garage-like building attached to his house and studio.
> >>
> >>I use USAA and had no trouble with my electric Skutt
> >>and Olympic.
> >>
> >>Mitch
> >>
> >>
> >>=====
> >>Mitch Kotula
> >>Development Plus
> >>PO Box 2076
> >>Hamilton, MT 59840-4076
> >>406-961-5136 (Home)
> >>406-546-6980 (Cell)
> >>
> >>__________________________________________________
> >>Do you Yahoo!?
> >>Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
> >>http://platinum.yahoo.com
> >>
> >>______________________________________________________________________________
> >>Send postings to clayart@lsv.ceramics.org
> >>
> >>You may look at the archives for the list or change your subscription
> >>settings from http://www.ceramics.org/clayart/
> >>
> >>Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
> >>
> >>
> >
> >______________________________________________________________________________
> >Send postings to clayart@lsv.ceramics.org
> >
> >You may look at the archives for the list or change your subscription
> >settings from http://www.ceramics.org/clayart/
> >
> >Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
> >
> >
> >
>
> ______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
Jim Tabor on sat 22 mar 03
"Who's Eligible" left out dependents of miitary officers. My Father was
Captain in USAF when he was killed in Korea in 1952 and I have been with
USAA since 1972 even though I was never in the service.
Auto and house claims have been fast and generous. I use them for my
401K and investments. They also refund a portion of auto insurance
payments each December. I highly recommend anyone who can qualify to
look into their services.
Jim Tabor
Rick Hamelin wrote:
> The statement below is from their website. Unfortunately, I am not eligible
>to apply for their policies. Thank God for the web, otherwise I would be
>wasting alot of my time trying to track USAA for a quote. Now I know.
>Join the USAA Family
>A worldwide insurance and diversified financial services association, USAA has
>provided insurance and financial services to the U.S. military community and
>their families since 1922. And, like family, USAA understands the special
>needs of its more than 4.9 million members.
>A member-owned Fortune 500 company, USAA owns and manages more than $65
>billion in assets. https://ww3.usaa.com/lcs_corp/Logon
>
>Who's Eligible
>Active duty, National Guard and Reserve enlisted personnel, officers and
>officer candidates, and their families are eligible for membership in USAA. Do
>you want to find out if you are eligible?
>
>
>>Key is to inform your insurance company that the kiln
>>is UL approved and send them the specs. If gas, same
>>deal, but show clearly how you are venting those hot
>>fumes and how you are putting that concrete sheeting
>>on the walls and how the kiln is far, far from walls,
>>etc.
>>
>>Bob Briscoe has two, maybe more, huge gas kilns in a
>>garage-like building attached to his house and studio.
>>
>>I use USAA and had no trouble with my electric Skutt
>>and Olympic.
>>
>>Mitch
>>
>>
>>=====
>>Mitch Kotula
>>Development Plus
>>PO Box 2076
>>Hamilton, MT 59840-4076
>>406-961-5136 (Home)
>>406-546-6980 (Cell)
>>
>>__________________________________________________
>>Do you Yahoo!?
>>Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
>>http://platinum.yahoo.com
>>
>>______________________________________________________________________________
>>Send postings to clayart@lsv.ceramics.org
>>
>>You may look at the archives for the list or change your subscription
>>settings from http://www.ceramics.org/clayart/
>>
>>Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
>>
>>
>
>______________________________________________________________________________
>Send postings to clayart@lsv.ceramics.org
>
>You may look at the archives for the list or change your subscription
>settings from http://www.ceramics.org/clayart/
>
>Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
>
>
>
Rick Hamelin on sat 22 mar 03
The statement below is from their website. Unfortunately, I am not eligible
to apply for their policies. Thank God for the web, otherwise I would be
wasting alot of my time trying to track USAA for a quote. Now I know.
Join the USAA Family
A worldwide insurance and diversified financial services association, USAA has
provided insurance and financial services to the U.S. military community and
their families since 1922. And, like family, USAA understands the special
needs of its more than 4.9 million members.
A member-owned Fortune 500 company, USAA owns and manages more than $65
billion in assets. https://ww3.usaa.com/lcs_corp/Logon
Who's Eligible
Active duty, National Guard and Reserve enlisted personnel, officers and
officer candidates, and their families are eligible for membership in USAA. Do
you want to find out if you are eligible?
> Key is to inform your insurance company that the kiln
> is UL approved and send them the specs. If gas, same
> deal, but show clearly how you are venting those hot
> fumes and how you are putting that concrete sheeting
> on the walls and how the kiln is far, far from walls,
> etc.
>
> Bob Briscoe has two, maybe more, huge gas kilns in a
> garage-like building attached to his house and studio.
>
> I use USAA and had no trouble with my electric Skutt
> and Olympic.
>
> Mitch
>
>
> =====
> Mitch Kotula
> Development Plus
> PO Box 2076
> Hamilton, MT 59840-4076
> 406-961-5136 (Home)
> 406-546-6980 (Cell)
>
> __________________________________________________
> Do you Yahoo!?
> Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
> http://platinum.yahoo.com
>
> ______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
| |
|
