Another kick in the nuts

[383_GrandPrix]

We all know that, but unfortunately the average person has no clue what argon is/does and unfortunately insurance companies love to take your money but will find any opportunity to refuse paying out. I hope we're wrong this time and that the OP gets compensation.

-83MONTESS- I'm sorry to hear about the fire, glad to hear everyone is okay.

 

[pontiacgp]

We all know that, but unfortunately the average person has no clue what argon is/does and unfortunately insurance companies love to take your money but will find any opportunity to refuse paying out. I hope we're wrong this time and that the OP gets compensation.

-83MONTESS- I'm sorry to hear about the fire, glad to hear everyone is okay.

I just don't think it any use to jump to conclusions to make his day any worse than it already is

 

[TURNA]

Its not making it worse

its helping him by letting him know what to be prepared for.

And how he can avoid a headache before they can get there

 

[-83MONTESS-]

I'll get the bottles out tonight. PontiacGP is right, it's argon and the other one on my mig is a mix. Inert yes, but still not worth the risk I guess. I'm gonna be fighting them over the wood burner as is, better play it safe.

 

[Flyers9928]

Sorry for you loss. At least everything can be replaced. Hopefully on the insurance company's dime.

 

[-83MONTESS-]

What do you guys think about the whole wood burner deal? Am I correct in thinking that since they did NOT make me remove it for the inspection I should be alright? I'm new to all of this.

Also, they are aware of the wood burner in the house. I have an add on style wood furnace in the basement. No issues with that insurance wise.

 

[383_GrandPrix]

My neighbor lost his garage to a fire caused by the 220 heater that he had hanging from the ceiling shorting and catching fire so I asked him about it. He said that he had 3 seperate insurances, 1 for the house, 1 for the garage and 1 for the contents of the garage and he had the garage and contents insured as a business. Was your garage insure separately or on your home owners insurance?

 

[B's 87mcss]

Sorry for your loss, lucky no one was hurt. When I asked my Cdn. insurance co. about installing a wood stove in my new shop they were pretty firm it had to be installed and signed off by a certifed WETT installer ( Wood Energy Technology Transfers) I also had to check with local authorities (county) to make sure wood stove intake was 24" off the floor, etc. etc. I did all this and no problem getting insurance coverage. The only thing comparable that I could find was "National Fireplace Institute" for the USA. It looks like they have certified installers but I couldn't find specifics for insurance coverage's. I'm not a legal beagle by any means but it would seem that since your ins. rep. walked through and about your house & shop without asking for installation doc's, didn't take pictures of the wood burning units, ask who installed them, how old, etc., then the obvious "assumption" would be all good?? Also, if you want to take a 29 hour drive up my way i have a spare nose for a Monte;

 

[ck80]

Your experience may vary. Around here, they can't retroactively cancel coverage, just going forward from the date of an alleged violation. Likewise, to deny coverage they would have to show either it fell under an exception/exclusion that was in place at the time of loss (both within the binder/policy documents, AND that the excluded condition contributed to the casualty event.)

Layman's terms - if something was excluded from coverage (unregistered/uninsured auto) when the fire happened, it's out. If something was listed as excluded (wood burning heat in garage) and it caused the loss, no coverage existed. If something was prohibited (gas tank in garage regardless of gas mix) but it didn't cause or contribute to the damage, then it's not grounds to void coverage for the loss, but, if the policy allows it, could be grounds to cancel going forward.

Again, you'd need to talk to someone local who knows more about your jurisdiction.

 

[melloelky]

Man,Glad to hear you're ok brother,everything be replaced or rebuilt with time.