>been reloading my own ammo for 8 years. >about to break even on costs

>been reloading my own ammo for 8 years
>about to break even on costs
>strong winds bring a tree down on the power lines which in turn contacts my shop ultimately leading to a fire and damage
>nearly all my reloading equipment along with other shop utilities destroyed
>spend 4 (four) years arguing with insurance
>claim is finally authorized via a judge in good standing
First off frick insurance companies with an iron rod. Second I just want to remind all of /k/ that if you have your fun stuff insured you really need to look into the writing. Renters Insurance or Homeowners Insurance might not cover your funs. I knew it wouldn't for my shop so I took out a policy specifically for all my equipment. Even after having a person come out there with their tablet and highvis vest and fancy fricking shoes cataloging and articulating every piece of equipment I had to make sure it could all be claimed in the event of an accident they still tried to frick me over for 4 years.

Anyone else ever have problems with insuring their funs? I mean you guys do have them insured don't you? Or are you willing to just -4k or more if something bad happens. Even after this fricking mess I would still recommend it.

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  1. 1 month ago
    Anonymous

    Frick insurance. I've been driving for 24 years without insurance. Insurance is a racket.

    • 1 month ago
      Anonymous

      Mexican detected. You have to go back.

  2. 1 month ago
    Anonymous

    >makes 6 figures selling ins from home while fingerfricking handguns and building lowers all day
    nothing personnel kid

    • 1 month ago
      Anonymous

      That's a grim looking meal tbh, literal boomer tier

  3. 1 month ago
    Anonymous

    How much did you pay for that insurance over those 8 years?

    • 1 month ago
      Anonymous

      About 5% of the total payout was what the insurance cost over those 8 year. About 20% if you include the lawyer and paperwork fees. In the end it was massively worth it. Insurance policies are fricking cheap because as I figured out they will try to blame everyone they can before paying out and a lot of those times the places they blame do pay out. The city was supposed to cut branches off that tree and they never did so that was the main hold up. Then there was bullshit about improper storage which was easily squashed by their own reporting and they did when they cataloged stuff.

      https://i.imgur.com/3eM845H.jpg

      >makes 6 figures selling ins from home while fingerfricking handguns and building lowers all day
      nothing personnel kid

      CSB

      Frick insurance. I've been driving for 24 years without insurance. Insurance is a racket.

      Might want to not do that, but you do you.

      • 1 month ago
        Anonymous

        >About 5% of the total payout
        How much?

        • 1 month ago
          Anonymous

          Payout was less than 17,000 dollars and the monthly payment was less than 9 dollars. For some reason, and I don't know why, I don't feel comfortable giving out the exact amount. The ventilation was a lot I can say that much.

          • 1 month ago
            Anonymous

            You were insured for almost $20k at $100 per year? No wonder they didn't want to pay out lol.

            • 1 month ago
              Anonymous

              That's pretty standard when it comes to general insurance. Heck timepiece insurance can be 2 to 3 percent of it's value per year. Insurance is cheap because hardly anything ever goes wrong and when it does they try with all their might to blame someone else.

            • 1 month ago
              Anonymous

              >Individual paying us an agreed upon amount for insurance
              >NOOOOO what do you mean we might have to actually pay out the insurance we agreed to provide????

              Insurance, especially in the US, is literal israelitery, and you could have been paying for 20 years with no claims and they'll still fight tooth and nail to avoid providing you with their product YOU paid for

  4. 1 month ago
    Anonymous

    How are they destroyed? Aren't they metal n shiet?

    • 1 month ago
      Anonymous

      The bench was totaled which was a chunk. The lolfirestorage I used, which the insurance company said I needed to, which stored a lot of the compounds and components apparently couldn't handle what it was designed to do. Which was another hold up because oh wow look another entity they can blame. Everything from the stool I sat on to the mat I rested my feet on to the ventilation I used and the equipment I fricked was all insured most of it too damage.

      • 1 month ago
        Anonymous

        Are the bench and stool steel or wood? What about the press and scale? It is hard to believe nothing survived. Did you staged this shit like 911?

        • 1 month ago
          Anonymous

          Have you ever had to deal with a car insurance claim after an accident? It's kind of like that in sense. Even if the car isn't full scaled can't even use the seat belt for parts fricked they would rather just give you the money to buy a new car instead of having it all fixed because it would be more expensive when you factor everything in. The stools wheels and seat were ruined. The bench was no longer structurally sound. It saves them money to pay the claim than to search around and fix everything.

  5. 1 month ago
    Anonymous

    I’d rather build a house in the country away from trees, then have the shop be built with concrete and metal so it can’t burn down. But I also don’t like people and $4k isn’t much money

    • 1 month ago
      Anonymous

      4k is a lot of money to 99% of the population. My shop was worth way more than that. The 4k reference was to what I assume the average is that people have invested into their funs, larp gear, and ammo. Not insuring something that doesn't have a warranty in that price range is pretty dumb. Renters insurance is like 13 dollars a month. You can get a general sub 5k general policy for like 4 dollars a month or that is why my friend pays for his funs.

  6. 1 month ago
    Anonymous

    insurance is a minefield because of the fundamental misalignment of interests between the insured and insurer. also i notice that arguments about breaking even on costs, whether insurance (or high efficiency hvac) sometimes become moot with real world issues. or as you found out, they did pay out but only after massive aggravation and your unpaid time dealing with it. the only good solution is limit the investment to the point that it doesn't become painful or make more money somehow. all of this is just so insurance companies won't shorten your life with stress.

    • 1 month ago
      Anonymous

      good post

    • 1 month ago
      Anonymous

      How is that any different from selling goods and services that seller will always want to give the minimum and charge the maximum, while customer wants to get the most and pay the least? The only common interest is the future of a local industry and its market.

      • 1 month ago
        Anonymous

        it's different because the seller is going to do their utmost to weasel their way out of fulfilling their end of the bargain, at the worst possible time for the buyer. it's like paying a contractor to build a house, and you pay him everything upfront so he can frick you over later.

        • 1 month ago
          Anonymous

          So its all business.

  7. 1 month ago
    Anonymous

    Nice blogpost, gay.

  8. 1 month ago
    Anonymous

    @878
    Yes, insurance is a scam. See @083.

    • 1 month ago
      Anonymous

      lurk 2 years before posting

  9. 1 month ago
    Anonymous

    I pay 3 dollars a month for insurance on my gun safe and eveything in it. Plan is through my credit union and they have been good to me so I assume they would pay if it exploded or something. They paid for a new key for me for it. Have no idea how they make money off of these plans though.

    • 1 month ago
      Anonymous

      >Have no idea how they make money off of these plans though.
      Protip: it involves letting money come in, and never letting it go out.

    • 1 month ago
      Anonymous

      it's all math to them.
      if there's a black swan event that affects many policy holders, they'll frick you over.
      that's why so many florida homeowners can't get regular house insurance anymore. after too many hurricanes, the insurers said frick this climate change, we're canceling all the policies and leaving the state.

  10. 1 month ago
    Anonymous

    A coworker of mine used to work for Progressive, I forget what his title was but he helped out with claims involving home insurance.
    According to him, if you have a house fire/total loss/insurance claim/whatever, the more specific you can be the better. As in, if you tell the insurance company you merely had "a coffee pot" or "a computer" they'll spot you for a $30 Mr. coffee machine and whatever cheap laptop they can look up, but if you tell them you had a Bialleti sextuple espresso Auto-asspounder and an Alienware Tentacle-Tetra-Ram Gaming PC, they'll generally pay out for the more specific, pricey items if you can list them and the damage is so bad that the actual items are unidentifiable.
    Just some food for thought, I keep a list in several places of the serial numbers, make and model of most of my guns/audio equipment/fancy cookware just in case.

    • 1 month ago
      Anonymous

      This is exactly why I had a person come into my shop and catalog everything. I thought them having everything written down and logged by a person they employ would speed up the process if something bad happened. A rule of thumb is always be specific.

    • 1 month ago
      Anonymous

      Least here they also have a price decay clause so if something cost you for example 4k five years ago they might only give you 3k for it due to it being old.

  11. 1 month ago
    Anonymous

    insurance companies are the israeliteiest of the israelite of business around.

  12. 1 month ago
    Anonymous

    >he doesn't know about (you) denial
    (y-(you) too

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