KATHI LESUEUR on mon 19 oct 09
On Oct 19, 2009, at 6:44 PM, Jess McKenzie wrote:
> Michelle, can you clarify something? Did the insurance people
> say that they would not pay to folks who owned a kiln even in
> cases of, say, wind damage? Or how about a fire totally
> unrelated to the kiln?
If you hide the kiln they will deny your claim no matter what the
cause. Be up front with your insurance company.
>
> ~joan and jess, calling our agent.
>
> PS: Just talked to our State Farm agents. They say,
> unequivocally, that kilns are not excluded in homeowners
> policies in the state of Washington. Why don't you check with
> the State Farm agent in your town?
Are you listed as a "hobby potter"? Do you make ANY money from it? If
you have a business selling pottery I'd get that statement in
writing. I have a good friend who's agent listed his pottery as
"hobby" to save on insurance. Then when his studio burned down they
wouldn't cover him because it was a business. He had a $45,000 loss.
I don't believe State Farm writes business insurance and if you are
doing business from your home make sure they know it and explicitly
cover it.
KATHI LESUEUR
http://www.lesueurclaywork.com
>
>
> [
Michelle Hamilton on mon 19 oct 09
Thanks Kathi;
I actually use a broker and they are making all the calls for me. We had=
=3D
State Farm=3D20
when we lost our last house to a lightening strike fire. Found out the h=
=3D
ard way that they=3D20
have the most lobbyists on capitol hill and write the laws. The "like a =
=3D
good neighbor"=3D20
commercials are funny or not once your realize that like any corporation =
=3D
their goal is to=3D20
make money which means pay you as little as possible. We had outstanding=
=3D
coverage=3D20
and the insurance nightmare was far worse than the fire destruction could=
=3D
have ever=3D20
been.=3D20
Michelle
>
>I would bet you have your insurance through a company that has it's
>own agents such as State Farm, Allstate, etc. You need to go to an
>independent agency that writes commercial and residential insurance
>for multiple carriers. Tell them what you "plan" to do and have them
>find a company to insure you. Companies that deal only in residential
>and auto insurance are not prepared to insure the home based
>business. You need someone who also represents commercial properties.
>It can be done. I've had my home, vehicles, and studio insured with
>the same independent for over twenty years. When I had a loss the
>agent for my insurance writer dealt with the company who covered me.
>Independent agents work and represent you and their first interest is
>keeping you happy. Agents for a company like State Farm are employees
>of that company. Their first responsibility is to the company to
>minimize their risk and to keep payouts as low as possible.
>
>KATHI LESUEUR
>http://www.lesueurclaywork.com
Lis Allison on tue 20 oct 09
On Monday 19 October 2009, KATHI LESUEUR wrote:
>
> Are you listed as a "hobby potter"? Do you make ANY money from it? If
> you have a business selling pottery I'd get that statement in
> writing. I have a good friend who's agent listed his pottery as
> "hobby" to save on insurance. Then when his studio burned down they
> wouldn't cover him because it was a business. He had a $45,000 loss.
> I don't believe State Farm writes business insurance and if you are
> doing business from your home make sure they know it and explicitly
> cover it.
> > [
They do in Canada. My policy is with State Farm. They call it a 'business
on premises' rider. What I can't easily get (State Farm does not sell
this) is 3rd. party liability. For that I need an additional policy from
another company and it will add $750CAN to my insurance costs per year.
Still, next year I plan to encourage people to shop at the studio so I
will have to bite the bullet.
Lis
--
Elisabeth Allison
Pine Ridge Studio
www.Pine-Ridge-Studio.blogspot.com
Anne Elisabeth Maurland on tue 20 oct 09
On Oct 19, 2009, at 9:53 PM, KATHI LESUEUR wrote:
>
> I don't believe State Farm writes business insurance and if you are
> doing business from your home make sure they know it and explicitly
> cover it.
>
> KATHI LESUEUR
> http://www.lesueurclaywork.com
>
>>
>>
>> [
>
State Farm does write business insurance. I have one for my home based
business, albeit in a separate building. I have two electric kilns, and
they never questioned it.
The building is new as of last year, and almost immediately after
finishing it, we had a hail storm that damaged the siding. It was
covered. We had roof damage too, but the inspector couldn't see it, so
that didn't get covered. Our contractor has been back, insists there is
hail damage to the roof (we can see it too), so he and State Farm are
trying to decide what to do.
Elisabeth
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