piedpotterhamelin@COMCAST.NET on mon 1 sep 03
Wow. Sorry about the grammer and spelling.
I shall never write in the late of night, exhausted with a major head cold but
unable to sleep, another letter to ClayArt. Ouch.
Rick
> Listen carefully.
> Several Massachusetts' insurance agents basically told me the same thing;
> The existance of a kiln and not telling the Insurance Company of this could
> prevent a claim of being paid, even though another cause, such as a blowdryer
> could have been the fault.
> Every small business person that I know of here in Mass has had their detached
> place of work become part and parcel with their home by the demands of their
> insurance company. The game and rules have changed. My home is now commercial
> and I have become a tenant because my studio is in the basement. same with the
> auto body shop guy that I know who has been in business their for 25 years.
>
> Being it that we are now in the process of building a detached studio on my
> property, we have initiated reviewing our policy and what is offered.out
> there.
> My agent, in reviewing my request for additional coverage while the structure
> is being built, as me questions such as if I use radioactive materials, do I
> sell to NASA, do I use flammables.
> My coverage has increased in cost 400 percent, but the payout has remained the
> same.
> Rick
> > "Mr. Uptight" is right; whether you liked the presentation or not. My
> > better half works for AXA Insurance....
> >
> > If it's not stated in the policy - worse, if it's excluded, and your next
> > overfiring leads to a fire, you'll be S.O.L.
> >
> > Crying "but I didn't know" doesn't help.
> >
> > signed - "Mrs. Uptight" securely insured in Melbourne (and no, NOT through
> > AXA).
> >
> >
> > Sam - Maid O'Mud Pottery
> > Melbourne, Ontario CANADA
> >
> > "First, the clay told me what to do.
> > Then, I told the clay what to do.
> > Now, we co-operate."
> > sam 1994
> >
> > http://www.ody.ca/~scuttell/
> >
> > ----- Original Message -----
> > From: "Miriam"
> > To:
> > Sent: Sunday, August 31, 2003 9:34 AM
> > Subject: INSURANCE
> >
> >
> > > Just because your insurance agent knows that you have one, two, four, a
> > > dozen kilns in your house, under your bed, whatever
> > > does NOT mean that you are covered if or when they cause damage! Even if
> > > they have bats in their eyes.
>
> > > READ YOUR POLICY!!! if it does not specifically STATE IN WRITING that you
> > > are covered from that type of damage,
> > > then most likely YOU ARE NOT. It might be listed in the exclusions
> > instead.
> > >
> > >
> > > My, My... what is your reason for being so bloody UPTIGHT!!!! Mr. Know
> > All!!! Cheeze...JUST for your information, I don't keep my kilns under the
> > bed, do YOU?? the next time I want some light reading with my glass of ice
> > tea, I'll just go dig out my Ins. Policy for a good read
> > through......Doesn't that sound like great fun??????
> > >
> > > Of course, the alternative would be to just CALL THE AGENT AND ASK!!!!!!
> > where it's stated, however, that's probably far too simple a solution for
> > any man who likes to do everything the hard way. I've been running kilns
> > since 1969, & even seriously over firing one, immediately after being
> > worked on by an obviously inferior Kiln Repairman... did not lead to FIRE..
> > >
> > > Miriam
> > >
> >
>
> > ______________________________________________________________________________
> > 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.
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