I got an early Christmas present

[mx842]

Who here has ever dealt with a insurance co? I think I need help.

 

[scootr]

****! I hope your tractor wasn't in there.

 

[Fuddyduddy1952]

I have, ice storm not fire. As long as you have coverage and good insurance company you should be fine. The hardest part is remembering everything that was in there. They'll have an aduster come out.

 

[crashz]

What a disaster! I'm sorry for the loss of you shop. I hope nobody was hurt and the insurance company works with you on this.

I opened the thread hoping to see some nice present like a tool or piece of equipment.

 

[alexpops]

Damn ... have you figured out the cause? Might make a difference in the claim.

 

[mx842]

****! I hope your tractor wasn't in there.

My Wheel Horse, old Gravely and 4 wheeler was but the tractor was in another shed.

 

[mx842]

Damn ... have you figured out the cause? Might make a difference in the claim.

Fire Marshall said there was no way to determine just too much damage. All the could figure is that it must have started somewhere in the rear of the building.

 

[ruffdog]

Well that sucks now going into winter....

 

[mx842]

I have, ice storm not fire. As long as you have coverage and good insurance company you should be fine. The hardest part is remembering everything that was in there. They'll have an aduster come out.

Yeah I've been waiting for 4 days for them to come out. There is no way I could remember all the stuff that was in there all I can do is shift through the remains to find the pieces. I have found some stuff but I'm afraid to go in too deep before the adjuster does come out. All I can say is there was 60 years of collecting tools, parts and old wall hanging stuff. My machine shop, machines, tooling and everything in there was destroyed. The bad part is that all reciepts I had went up in smoke along with the rest of the stuff.

 

[mx842]

Well that sucks now going into winter....

Yeah me and my dogs are going to miss that building when it gets cold and wet.

 

[mx842]

When this happened I did trip the breaker to the shop but forgot to cut off the water and it ran for like 7 hours and now all I can get out of a pipe is mud.

 

[HawkinsHollow]

Noooooo! So sorry, what a nightmare!!

 

[duffer]

Really sorry for your loss.

Don't settle with the Insurance company until you have had sufficient time to go thru the rubble, find remnants of tools, machinery, etc, which will likely prompt your memory of other things that were in there. Ins company will say most of it was valued at 0 because of depreciation, your argument can be that they were antiques with very good value.

Ins companies are out to protect themselves, not you.

Good luck !!

 

[Ken45101]

Sorry for your loss.

So much depends upon the quality of your insurance company and the type of coverage you had. I have been lucky we had wind take off half the roof of our horse barn and six months later rental property I had burned to the ground. My insurance company was fantastic and looked for every way to assist in the pay out here. none of the nickel and diming me or demanding proof or anything like that but I pay a lot for a good quality insurance. FWIW I have Westfield insurance.

 

[mx842]

That's another thing I was wondering about. I don't really run a business out of the shop. I do build things from time to time for other people. I do charge them for materials and consumables and if they want to chuck in a few extra bucks I don't turn it down. Most of my machines are old but they will....or would have been around when these new ones are dead and gone.

 

[mx842]

Sorry for your loss.

So much depends upon the quality of your insurance company and the type of coverage you had. I have been lucky we had wind take off half the roof of our horse barn and six months later rental property I had burned to the ground. My insurance company was fantastic and looked for every way to assist in the pay out here. none of the nickel and diming me or demanding proof or anything like that but I pay a lot for a good quality insurance. FWIW I have Westfield insurance.

I have USAA and they were good to deal with when we had storm damage a few years back.

 

[kenmbz]

I hope you have good luck with insurance.
Carry a notebook or something and write stuff down as you think of it or see it.
Lookup the current cost to replace to help negotiate.

Hope this gets through quickly and you do well. Fire/water damage is a pain.

Make sure you understand cleanup costs too.

 

[mx842]

Really sorry for your loss.

Don't settle with the Insurance company until you have had sufficient time to go thru the rubble, find remnants of tools, machinery, etc, which will likely prompt your memory of other things that were in there. Ins company will say most of it was valued at 0 because of depreciation, your argument can be that they were antiques with very good value.

Ins companies are out to protect themselves, not you.

Good luck !!

Now they are telling me that I cant touch the building until their fire investigators take a look. At first they told me I needed to start getting a list of the stuff I lost. I told them to do that I would have to dig through the rubble which didn't bother them at the time now they have changed their tune. I don't know how that will shake out.

 

[alexpops]

dealt with USAA from the other side. I had a fence taken out by a USAA insured driver who passed out after giving blood for COVID antibodies & they nickel & dimed me on everything.

 

[mx842]

I hope you have good luck with insurance.
Carry a notebook or something and write stuff down as you think of it or see it.
Lookup the current cost to replace to help negotiate.

Hope this gets through quickly and you do well. Fire/water damage is a pain.

Make sure you understand cleanup costs too.

Heck, I've done tree work, pipe fitter, welder, jack leged machinist, a rigger, done electrical work, a boat and car mechanic, done AC work and probably a few other things in my lifetime and when I needed a tool I went out and bought it. My shop was loaded with tools and equipment that a lot of mechanical companies don't have on hand. I can look in one small corner and see $10,000 in tools of one kind or another. I had more than $20,000 in powder coat equipment not to mention the tooling for my lathe, mill, and drill machine. I don't know how all this is going to shake out but I guess I'll soon find out. Now I don't even have a screwdriver or a pipe wrench to work on my mud filled well that ran for about 7 1/2 hours when the water line burned off at the shop and was pumping water all that till the fire crew finally saw the leak and came up to tell me to cut off the water line.