You guys do know that an insurance company is not allow to cancel or increase your premium for doing a claim with them. HOWEVER if it comes to light your doing things not disclosed to them when you got the premium or your business model have changed they can reevaluate your insurance and make adjustments or even cancel it. Read over your policies carefully before signing it and before submitting a claim. We had a carpenter that had to use his insurance for some water damage and his insurance agent tried to BS him and we called him up told him basically that he was a fraud and he better not even consider doing anything because that would violate the regulations. Yet today the carpenter still got insurance and paying same premium and he had to do a second claim about on it.
/Eje Sent via BlackBerry from T-Mobile -----Original Message----- From: "Chris T." <part15li...@gmail.com> Date: Thu, 16 Apr 2009 19:59:58 To: WISPA General List<wireless@wispa.org> Subject: Re: [WISPA] Insurance on equipment We had a $30K claim last year with The Hartford after a lightening strike. It took a few extra weeks to get the money, but we did get it. And, they did not cancel our policy. I wonder what other's have had to claim, and how much money would define "big." ____________________________________ Crispin Tresp WiSpring, Inc. A Wireless Broadband Company 610 Main Street, Suite 2 Great Barrington, MA 01230 On 4/16/09 6:13 PM, "Josh Luthman" <j...@imaginenetworksllc.com> wrote: > What I have heard from other WISPs is that once you do a big claim they > cancel your policy. I've heard it from multiple angels from multiple > companies so I've always believed it to be true. > > Josh Luthman > Office: 937-552-2340 > Direct: 937-552-2343 > 1100 Wayne St > Suite 1337 > Troy, OH 45373 > > Those who don't understand UNIX are condemned to reinvent it, poorly. > --- Henry Spencer > > > On Thu, Apr 16, 2009 at 6:05 PM, Charles Wyble <char...@thewybles.com>wrote: > >> Why would one find another insurer? >> >> I do believe they can do a search on claims you have filed and charge >> accordingly. So changing insurers most likely won't help. >> >> >> >> Josh Luthman wrote: >>> What we do and what I've been suggested is hold onto an insurance policy >> and >>> use it when you really have to. If an AP or two and some CPEs go bad, >> don't >>> claim it as it your rates will rise or the policy may be canceled. >>> >>> If you lost an entire tower and hundreds of thousands of dollars (or >>> whatever size completely kicks your bucket) then claim it and prepare to >>> find another insurer. >>> >>> Josh Luthman >>> Office: 937-552-2340 >>> Direct: 937-552-2343 >>> 1100 Wayne St >>> Suite 1337 >>> Troy, OH 45373 >>> >>> Those who don't understand UNIX are condemned to reinvent it, poorly. >>> --- Henry Spencer >>> >>> >>> On Thu, Apr 16, 2009 at 5:33 PM, Alan Long <alan.l...@aerowire.net> >> wrote: >>> >>>> All gear. >>>> >>>> ------------------------------------ >>>> Aerowire >>>> Alan Long >>>> Director of Network Operations >>>> alan.l...@aerowire.net >>>> 687 North Dean Road >>>> Auburn, AL 36830 >>>> tel: 3342759998 >>>> mobile: 3344446092 >>>> ------------------------------------ >>>> -----Original Message----- >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>>> Behalf Of Charles Wyble >>>> Sent: Thursday, April 16, 2009 4:30 PM >>>> To: WISPA General List >>>> Subject: Re: [WISPA] Insurance on equipment >>>> >>>> I'm guessing you mean AP gear and not CPE? Or do you mean CPE as well? >>>> >>>> >>>> >>>> >>>> Alan Long wrote: >>>>> Anyone have information/experience with insuring your equipment against >>>>> damage. My main concern is weather related damage. >>>>> >>>>> >>>>> >>>>> >>>>> >>>>> >>>> >>>> >>>> >> ---------------------------------------------------------------------------- >>>> ---- >>>> WISPA Wants You! 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