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#41
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Hi Jan:
Shouldn't be a problem. If they deny a claim, then they will have to deny the claim of a hobbiest that uses epoxy and welding torches, etc. The only real question that comes up with manufactured homes is if there is a wood stove installed. The only fire that I've heard of regarding a studio is that the woodstove got out of hand or that some one doing raku dropped a piece on the floor that sparked a fire. That was pure carelessness. Should have set the kiln up outside rather than inside the shed then caring the garbage can outside. The building next door is still part of your property and would be automatically covered on that same policy as an "other structure". Would be safer, of course, to have it away from your living structure, if possible. Please let me know how it turns out. Diego "Jan Clauson" wrote in message k.net... Thank you, Diego. I will call them today. Pottery is now a hobby for me, however, I did help set up and run a pottery that was open to the public for a few years. The reason I have been declaring the kiln is that there have been several reports of claims being denied because there was a kiln on the premises. I have no way of confirming these stories, but I thought it prudent to declare the kiln. Don't want to have a fire and find out my insurance is invalid. However, I am rethinking this position. I do have a second option to put the kiln in a shed on the lot next door, which I also own. However, there is no power to that lot and the shed requires a lot of work. This would require a little more money than I had intended to spend at this time. I'll give Foremost a try, and If that bombs, on to the shed! Thanks again, Jan C. |
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#42
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Jan,
I used to live in Lake County (in the early '80s), and I have never heard of anyone being denied insurance. This includes welders with home-based businesses and blacksmiths...from all corners of the county. Try asking some of the businesses in and around Lower Lake or on the north shore to see if they can give you the names of some companies. Dave "Jan Clauson" wrote in message link.net... Yes, I am in CA - but have moved from Bay Area. I honestly don't remember her name. The woman I am referring to has pieces hung in lobbys of some large buildings in the area. If I remember correctly her husband is an architect. I do have her name in my notes somewhere, but, I am still moving. I have been renting temporarily and recently bought a place. It is being refurbished. I have asthma so won't move in until the dusty work is done. The notes are all packed away. However, the studio will be the first thing unpacked - hopefully in a week or two. Incidentally, I wonder if anyone out there has a suggestion on homeowners insurance. The place I bought is a trailer on a permanent foundation on a city lot (50' x 100') with a wonderful workroom attached. This is standard construction for this area (Lake County, California). It is in an unincorporated area. The community is so small, they don't even have home mail delivery. You have to rent a PO box. I am unable to find anyone who will insure it. One company said they would, but not with a kiln on the premises. That's just not an option. Jan C. |
#43
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Jan & Diego
I insure just my home on the home owners, it saves me money. My out-building-studio-barn is not insured and has 3 large electric kilns and a wood stove for heat. I realize that this is risky but is an option for those of us who need creative ins. solutions in order to have some ins at all. The ins co. doing the special ins is: Scottsdale Ins, Scottsdale Az 800 423 7675 . The ins is under the "Fair Plan" and my agent in the East Coast wrote the policy and submitted it to the ins co in Scottsdale. Its a bit pricey but covers special ins situations. Nancy Jane v |
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