julie milazzo on mon 31 mar 03
Hey All!
Man, I've missed Clayart, and it finally got to the point where I've had enough clay-related issues build up that I can justify giving more time to the computer, and, particularly, this wonderful group.
I'm writing to ask anyone who has insurance on his/her home with an electric kiln in it, to please let me know how you managed to get insured. I had homeowner's, flood and hazard insurance on my property, and all was going well, until last week, when my insurance agency called to let me know that "though it was no fault of yours" and "truly our error", they had neglected to allocate my monthly payments (made with mortgage payment) to the proper agency, and I had not been covered for anything since September.
I was assured that if anything had happened, it would have been covered under their Errors and Omissions clause, but would I be kind enough to come right down and sign something, and also bring a check for four hundred something dollars, since we missed the renewal date with my old company, and they are full, so the next lowest bid is that much more expensive.
I said no, I wouldn't sign anything, and that I shouldn't have to pay more for their (admitted) error. Then she asked me if i ran any kind of business out of my house. I said I did. She said, "Uh huh, it's a pottery studio, right? So you have a kiln in there, right?", and then proceeded to tell me that i'd be lucky to get anyone to insure me, blah blah blah...
Long story short, i got a refund check in the mail on Friday, I am no longer insured at all, and I need to find something before my next mortgage payment goes out. I'm also seeing a lawyer about this, to see what my options are. It would cost a lot to have the kiln moved and wired into another (non-existant) structure, but I also can't afford to pay much more in insurance than I was before.
Anyone who has been through this and can help, I would appreciate a little guidance. Thanks! Jules
---------------------------------
Do you Yahoo!?
Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
annsemple on mon 31 mar 03
Julie
I'm covered by State Farm - I hope. We went through all the garbage of
where, what, why etc when I first set up and from the looks of my contract,
I am covered. They were easy to deal with -and I hope that means they didn't
have a clue what they were dealing with.
I guess a quick phone check is in order after all the problems cited on
Clayart, but I did get out my contract and it seems pretty specific.
Good luck
Ann
annsemple@shaw.ca
oooO
( )Clayfoot Crockery
\ ( Victoria, B.C. Canada
\ _ )
----- Original Message -----
From: "julie milazzo"
To:
Sent: Monday, March 31, 2003 7:32 AM
Subject: back again, insurance/kiln in basement issues
> Hey All!
>
> Man, I've missed Clayart, and it finally got to the point where I've
had enough clay-related issues build up that I can justify giving more time
to the computer, and, particularly, this wonderful group.
>
> I'm writing to ask anyone who has insurance on his/her home with an
electric kiln in it, to please let me know how you managed to get insured. I
had homeowner's, flood and hazard insurance on my property, and all was
going well, until last week, when my insurance agency called to let me know
that "though it was no fault of yours" and "truly our error", they had
neglected to allocate my monthly payments (made with mortgage payment) to
the proper agency, and I had not been covered for anything since September.
>
> I was assured that if anything had happened, it would have been
covered under their Errors and Omissions clause, but would I be kind enough
to come right down and sign something, and also bring a check for four
hundred something dollars, since we missed the renewal date with my old
company, and they are full, so the next lowest bid is that much more
expensive.
>
> I said no, I wouldn't sign anything, and that I shouldn't have to pay
more for their (admitted) error. Then she asked me if i ran any kind of
business out of my house. I said I did. She said, "Uh huh, it's a pottery
studio, right? So you have a kiln in there, right?", and then proceeded to
tell me that i'd be lucky to get anyone to insure me, blah blah blah...
>
> Long story short, i got a refund check in the mail on Friday, I am no
longer insured at all, and I need to find something before my next mortgage
payment goes out. I'm also seeing a lawyer about this, to see what my
options are. It would cost a lot to have the kiln moved and wired into
another (non-existant) structure, but I also can't afford to pay much more
in insurance than I was before.
>
> Anyone who has been through this and can help, I would appreciate a
little guidance. Thanks! Jules
>
>
>
> ---------------------------------
> Do you Yahoo!?
> Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
>
>
____________________________________________________________________________
__
> 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.
Althea Vail on mon 31 mar 03
Hello Julie,
I had to change home insurance carriers because Prudential wouldn't insure
my kiln, even though it's in the garage. I'm now with Cumberland Insurance
Company, a smaller company here in NJ. I don't know where you live, but if
it's near me, I can give you the number for Cumberland as well as the name
of another company I just became aware of and may switch to.
I actually have two policies, one for my home and one for my business, both
through Cumberland.
Good luck with this.
Althea Vail
Pine tree Pottery
Blackwood, NJ
>From: julie milazzo
>Reply-To: Clayart
>To: CLAYART@LSV.CERAMICS.ORG
>Subject: back again, insurance/kiln in basement issues
>Date: Mon, 31 Mar 2003 07:32:45 -0800
>
>Hey All!
>
> Man, I've missed Clayart, and it finally got to the point where I've
>had enough clay-related issues build up that I can justify giving more time
>to the computer, and, particularly, this wonderful group.
>
> I'm writing to ask anyone who has insurance on his/her home with an
>electric kiln in it, to please let me know how you managed to get insured.
>I had homeowner's, flood and hazard insurance on my property, and all was
>going well, until last week, when my insurance agency called to let me know
>that "though it was no fault of yours" and "truly our error", they had
>neglected to allocate my monthly payments (made with mortgage payment) to
>the proper agency, and I had not been covered for anything since September.
>
> I was assured that if anything had happened, it would have been
>covered under their Errors and Omissions clause, but would I be kind enough
>to come right down and sign something, and also bring a check for four
>hundred something dollars, since we missed the renewal date with my old
>company, and they are full, so the next lowest bid is that much more
>expensive.
>
> I said no, I wouldn't sign anything, and that I shouldn't have to pay
>more for their (admitted) error. Then she asked me if i ran any kind of
>business out of my house. I said I did. She said, "Uh huh, it's a pottery
>studio, right? So you have a kiln in there, right?", and then proceeded to
>tell me that i'd be lucky to get anyone to insure me, blah blah blah...
>
> Long story short, i got a refund check in the mail on Friday, I am no
>longer insured at all, and I need to find something before my next mortgage
>payment goes out. I'm also seeing a lawyer about this, to see what my
>options are. It would cost a lot to have the kiln moved and wired into
>another (non-existant) structure, but I also can't afford to pay much more
>in insurance than I was before.
>
> Anyone who has been through this and can help, I would appreciate a
>little guidance. Thanks! Jules
>
>
>
>---------------------------------
>Do you Yahoo!?
>Yahoo! Platinum - Watch CBS' NCAA March Madness, live on your desktop!
>
>______________________________________________________________________________
>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 mon 31 mar 03
Unfortunately, having homeowner's insurance generally does not include public
liability where a business is in the home as well with a sign outside and
customers entering the home/business.Whether you have a kiln in the home can
be different than if you have a sign indicating you are open business hours
to the public.You might be more in need of a business coverage policy to be
really covered to be properly protected should a claim need to be filed.
Issue #2, if your mortgage company failed to pay premiums and you are loosing
insurance coverage is a very serious issue that you would be best advised by
a competent lawyer as how to preceed, especially in that the mortgage can be
called [payable on instant demand]and should you have had prior recent
claims events that warranted a situation that might now make a property
uninsurable/unsalable to future agents when revealed, as is the law now, you
may wish not to reveal more facts publically before first consulting
competent specialized legal advice.
| |
|
