Check your insurance policy!

My friend's shop burned down last week. It happened after midnight on last Tuesday. The shop was 150' or so away from their house. By the time they found it was too far gone. By the time Fire department put it out, everything in there was burnt.

Insurance company will come on Tuesday to make inventory and start claim process. What he told me was that any vehicle will be cover by vehicle insurance except your own. His son had parked 67 Chevy he just bought. It will not be covered by home owner's and since it is not registered vehicle, his son didn't have insurance on it. So it is gone. But except any parts those were off from the vehicle and in the shop. He had stripped interior trims and AC vents and had them in the shop. So they will be covered. But seats were off from vehicle and sitting outside of building so they were not covered (of course no damage by the fire). If he had the seats set in the shop but not in the vehicle, it was covered.

He had someone's Norton commando he was working on and about finished. That is gone and insurance will not cover it. His own R69/S will be covered by his vehicle insurance he had on but also home owner should cover it too.
Many things like old publications he had in there were gone and cannot be replaced.

He told me "what could happen to me could also happen to you. Check your insurance."

I will talk to insurance guy and find out what will be covered and what will not be covered. So I can put some kind of protection on those currently not covered hopefully.

Norton Commando



R69/S

Did they ever figure out what started the fire? Ed

Nope.
The fire department didn't. The insurance guys will check when they come on Tuesday.

His waste oil heater was off that day. He left the shop around 5:30 pm and his son left around 10pm. Everything was normal as any other day. Could be electric? we'll see.

650ed wrote: Did they ever figure out what started the fire? Ed

Perhaps it was a Ford parked nearby, we all know how they like to self-ignite and burn themselfs to the ground. :laugh: But really sorry to hear about your buddys shop, really sucks. Knowing the insurance they won't cover any tools lost in the fire too. :sick: I'm a technition at a local GM dealer and fear every day that I will go in to work and find all the tools gone and no way to replace them. Makes me sick how much they want for insurance for me on my tools at someone elses shop. Darn criminals don't really know it don't hurt the dealer or insurance it hurts the tech couse He has to replace them all not the company or insurance.

My home burnt down several years ago. Fortunately I had replacement cost insurance that covered everything, except my Yamaha XS750 triple. Some things just can't be replaced at any cost though.

elfmagic17 wrote:

650ed wrote: Did they ever figure out what started the fire? Ed

Perhaps it was a Ford parked nearby, we all know how they like to self-ignite and burn themselfs to the ground. :laugh: But really sorry to hear about your buddys shop, really sucks. Knowing the insurance they won't cover any tools lost in the fire too. :sick: I'm a technition at a local GM dealer and fear every day that I will go in to work and find all the tools gone and no way to replace them. Makes me sick how much they want for insurance for me on my tools at someone elses shop. Darn criminals don't really know it don't hurt the dealer or insurance it hurts the tech couse He has to replace them all not the company or insurance.

I didn't think about that. I guess it is the same deal. The dealer's insurance covers their own things but not yours. That sucks.


Steell, sorry to hear about your house.
He had books his sons gave him on his birthday when they were little with their name hand written on the back of front cover, some measuring tools from the old time in the case etc that cannot be replaced.

I hate insurance companies. The first thing they do is try to avoid paying. I lived on a boat for 12 years while restoring it. I was hit by another boater doing about 20 MPH around 1:00 in the morning while I was docked in my slip asleep, my boat sank within 15 minutes. The other boater kept going and was never caught. My insurance company, Allstate refused to pay because the other boater caused the accident. I had been paying premiums on a $45,000 hull policy for 12 years and I had to sue Allstate to get paid. After all was said and done I ended up with only $7,500. Have I said I HATE insurance companies.

"Your in good hands with Allstate" Fine print...unless you hit someone or they hit you then your on your own. Oh and your rates will go up also.

I had collectors insurance on my 66 Chevelle the policy said it would cover it upto 35000.00 due to loss not covered by homeowners or another policy including 1500.00 in addition spare parts blah blah. I never had to use it but it was rediculously cheap since it was driven less than 7500 miles a year.

I woner if there is anything like that for these old bikes?