Insurance - Protecting your reef?

[Parker]

Originally Posted by Delphinus

Interesting question. Did you guys approach your adjusters and ask for specific coverage or did you just read the policy and find the info?

I'm curious now because water damage from an aquarium, particularly a DIY unwarrantee'd non-UL non-CSL approved e,i,e,i,o's, I could see being a problem in the event of an incident. Or do they simply say "it's fine until you make a claim but if you do make a claim boy howdy are we gonna gitcha on your rates" (they might phrase it somewhat differently in insurease-speak).. ?

Tony,

I did the same thing as Lance, I approched my carrier and went over everything and had them provide me a letter stating I was covered. We've all dealt with insurance companies and know what they are capable of so I made sure I had it in writing.

Years ago I have my car broken into in my garage and my insurance company got into an fight with themselves over who should pay, the house and car were covered by the same company. Each division ( Home & Auto ) thought the other should pay out the claim. We never did reach a settlement and I left and went elsewhere.