Kilns & Insurance

Any of you that have a kiln run into any problems with getting insurance, or raised rates? Or do you just keep quiet about it? Curious.... had a little fire and wondering if I should make a claim or just shut up about it?

Reply to
JKSinrod
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Is the damage more than your deductible?

My deduct. is $1000.00 I have 3 kilns, about every other year the insurance sends an inspector in to see if things have changed, he takes photos and makes notes, I then get a renewal notice. It has stayed pretty much the same, (meaning small increases every year, but nothing to get wound up about), I have had the same company and same agent for 20 years.

That note in the kiln manual about not putting anything flammable within 18 inches of the walls and top of the kiln is there for a reason!!

Reply to
Javahut

What's you classification, carrier and what's your approx yearly premium I wonder? Email me if you don't want to post it here Java. It's that damn pot melt folly that caused all this. I was firing at higher than usual temps, (almost 2000), and a dolly kind of started smoldering. I had sheet rock all around, but it was so hot that it actually somehow got through the fire brick enough to get it started.

Reply to
Glassman

the had a thing on the news the other day, about if turn in a claim to your insurance, they will down you and your name goes into a center, no one will give you insurance, so if its not a whole of damage, take care of it yourself.

Reply to
racing John

If it's way more than your deductible aned beyond your repair ability, you might at least "talk" to your agent. If it were me, I'd try to fix everything myself even if I had to hire outside help. BTW...I thought I heard that you were getting out of the glass biz. :-)

Andy

JK@work wrote:

Reply to
neoglassic

He was jokin', what would he do with all that free time!!

Reply to
Javahut

Spreading rumors again I see? Just because I am frequently quoted saying that the entire SG industry is in the toilet, it doesn't follow that I'll be driving a cab soon.

Reply to
Glassman

Well, actually, this is so dumb that if you think about it, you will agree - if everyone who filed a claim was redlined, then everyone would know someone to whom it happened. And for no one to give you insurance, you would have to lose your insurance and go looking. I, for one, filed a hail damage claim following a storm AFTER the insurance company notified me that they would not renew my insurance in 11 months unless I replaced my roof which was so old I should have replaced it before and they were fed up buying new roofs for people. Further, after talking it over with my agent, I got bids, made my own estimate of costs of stripping off the five old roof layers that included paying for my time and a trailer and a couple of assistants and they paid it and I kept the trailer. Here in Texas, one company was discovered to keep records that if you called to find out if you were covered for something, they assumed you had such a claim but decided not to file and noted it against your record. Not a good thing according to the state insurance board.

Reply to
Mike Firth

Maybe the part of the SG industry that has been following "your" advice is in the toilet. That wouldn't be surprising at all.

It takes one hell of a lot of silly little torchworked beads that you can sell for $5 each to make any profit.

Me? Had a record year in 2005 and this year is ahead of last. What recession?

Reply to
Moonraker

In Canada everything is devalued, from the dollar on down, eh?

Reply to
Javahut

I suppose you have some facts to prove that 25% statistic? From a source other than your rectum?

And, Dennis? You've been trumpeting this gloom and doom for years, and yet folks just keep on making a nice living and growing their businesses. It's YOU that is irrelevant.

They name streets after business models like yours.......

"Dead End" and "Wrong Way"

Reply to
Moonraker

Document where these numbers are coming from, or is it true just because you say so? Anyone can run off at the mouth with numbers, back them up with something factual.

Reply to
Javahut

More of your anally generated statistics, eh?

Devalued against WHAT other monetary system? The Canadian dollar? Bwahahahaah!

That would mean the street price of an item, say, a Chevrolet or a refrigerator or a BigMac would have nearly doubled in the last 24 months to a US consumer. It ain't so.

Funny thing, the exchange rate between the USD and the GBP hasn't changed but a few cents over the last 5 years.

The more you post about business and economics, the more convinced I become that you need to be spoon-fed Thorazine. You are a blithering idiot.

Reply to
Moonraker

Right.

BTW, how long have you been off your meds this time?

Reply to
Moonraker

You haven't followed the exchange rate much then have you. Have a look at

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years ago the GBP was about $1.45 it has gone as high as $1.90 or more in the intervening period so the USD has devalued in the time against most world currencies. The GBP against the Euro has been reasonably steady. Great for us in the UK wanting to buy from the states but US people going abroad complain about the expense when it used to be much cheaper for them.

Reply to
David Billington

Well, even assuming, for the moment, that the GBP was the "standard" against which all other currencies were measured.... (and despite all the false gloom and doom, the Yankee dollar is STILL the most stable and desirable currency in the world).

Take March of 98. The x-rate then was $1.66. In March, 2006, the x-rate was $1.74. The fluctuation of $0.08 in 8 years is hardly a 40% "devaluation". March, 2005 did have an x-rate of $1.91, which was .17 higher than the same time this year. Again, hardly a 40% decline, in fact, it's a strengthening, from last year to this year, of 9.7%.

This exercise is only a indication of the supply and demand for currency, not a singular indication of the overall health of an economy. The DowJones is

11,000, the US economy has had more than 20 consecutive quarters of GNP growth, unemployment is below 5% (even with 12 million illegals in the economy, draining our educational and social services).

Are there problems? Certainly. And unfortunately, nothing that can't be made worse by a bunch of Senators like Kennedy, Kerry, Clinton, Schumer, Boxer, Feinstein, Durbin and their ilk.

Piss-ant trolls like Dennis Brady occasionally rear their ugly heads, spewing their jealous anti-American hate.

Reply to
Moonraker

getting insurance,

J.K.:

At this point, the quiet part in the thread appears its best evolution, so how about a few lines from some song heard years ago that might let us laugh into a silent parting of the ways?

"I had the worst dream since I don't ever know when, I woke up and all my friends were insurance salesmen."

Everybody has to agree with that.

Regards,

Edward Hennessey

Reply to
Edward Hennessey

Once again, you side track from an answer, there is no discussing things with you, you can't give an intelligent answer, it is beyond you. Answer the friggin' question....

"Document where these numbers are coming from, or is it true just because you say so? Anyone can run off at the mouth with numbers, back them up with something factual."

Reply to
Javahut

So THAT'S what you have been sniffing.

Perv.

Reply to
Moonraker

Reply to
michele

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