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Insurance woes
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MR. STEAMER View Drop Down
True Patriot
True Patriot

Only in the GTA

Joined: 03/March/2004
Location: Canada
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Points: 14549 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MR. STEAMER Quote  Post ReplyReply Direct Link To This Post Topic: Insurance woes
    Posted: 10/September/2006 at 10:17pm
lets just hope nothing happens...lol  I'll burn that bridge when I get to it...
 
we all know insurance is a load of crap...lol
www.mr-steamer.com
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cleanex View Drop Down
Carpet Cleaning Specialist
Carpet Cleaning Specialist


Joined: 17/October/2004
Location: Canada
Status: Offline
Points: 705 		Post Options Post Options   Thanks (0) Thanks(0)   Quote cleanex Quote  Post ReplyReply Direct Link To This Post Posted: 10/September/2006 at 8:04pm
We are insured for the amount we paid for the equipment, this does mean replacement value as the cost of equipment goes up. 
DON ELDRED
YOU CAN "STAND" ON OUR REPUTATION
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doug View Drop Down
King of the One Liners
King of the One Liners

Just My opinion

Joined: 31/January/2004
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Points: 32711 		Post Options Post Options   Thanks (0) Thanks(0)   Quote doug Quote  Post ReplyReply Direct Link To This Post Posted: 10/September/2006 at 3:10pm
Steamer wait till something happens? I have appraised replacement on my two classics only. There are many restrictiions that go along with that. Replacement value on a piece of equipment?? Good luck collecting on that one. Only thing I can say is your trucks and equipment are antique the same as my cars?
Just My opinion
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MR. STEAMER View Drop Down
True Patriot
True Patriot

Only in the GTA

Joined: 03/March/2004
Location: Canada
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Points: 14549 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MR. STEAMER Quote  Post ReplyReply Direct Link To This Post Posted: 10/September/2006 at 3:03pm
Originally posted by Superglide Ken Superglide Ken wrote:

Yes, I have asked. Replacement value(as in replace with a new item) is not offered on carpet cleaning equipment on a regular policy.
well then your broker is not working for you...fire him and get a new one...  My broker works for me.... he's the one that told me my regular auto insurance probally wouldn't cover it... and he was right .....I pay about 700 bucks a year per truck  but it's worth it
www.mr-steamer.com
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Superglide Ken View Drop Down
Grand Potentate
Grand Potentate

SGK

Joined: 17/March/2004
Location: Canada
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Points: 4868 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Superglide Ken Quote  Post ReplyReply Direct Link To This Post Posted: 09/September/2006 at 5:49pm
Yes, I have asked. Replacement value(as in replace with a new item) is not offered on carpet cleaning equipment on a regular policy.
Inventor of the Teflon Wand Glide and the Turboteck Rotary Air Duct Cleaners for TMs.
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MR. STEAMER View Drop Down
True Patriot
True Patriot

Only in the GTA

Joined: 03/March/2004
Location: Canada
Status: Offline
Points: 14549 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MR. STEAMER Quote  Post ReplyReply Direct Link To This Post Posted: 09/September/2006 at 7:35am
Originally posted by Superglide Ken Superglide Ken wrote:

Replacement value is offered only on some new vehicles for the first 2 years and also on some home insurence policies. Other than that, I have never seen it offered on carpet cleaning equipment.
have you ever asked???LOL because yes it is....your equipment devalues every damn year... it wouldn't be worth it unless you could get replacement value.
 
both my units are old...they would give me 5 bucks...if anything happened
www.mr-steamer.com
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Superglide Ken View Drop Down
Grand Potentate
Grand Potentate

SGK

Joined: 17/March/2004
Location: Canada
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Points: 4868 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Superglide Ken Quote  Post ReplyReply Direct Link To This Post Posted: 08/September/2006 at 12:17pm
Replacement value is offered only on some new vehicles for the first 2 years and also on some home insurence policies. Other than that, I have never seen it offered on carpet cleaning equipment.
Inventor of the Teflon Wand Glide and the Turboteck Rotary Air Duct Cleaners for TMs.
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Willy Parsons View Drop Down
Carpet Cleaning Specialist
Carpet Cleaning Specialist


Joined: 29/January/2004
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Points: 467 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Willy Parsons Quote  Post ReplyReply Direct Link To This Post Posted: 08/September/2006 at 8:05am
I carried a seperate policy on my equipment. If you can find me a carrier that  offers replacement value, I'll buy it. 
Certified to be certifiable.
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MR. STEAMER View Drop Down
True Patriot
True Patriot

Only in the GTA

Joined: 03/March/2004
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Points: 14549 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MR. STEAMER Quote  Post ReplyReply Direct Link To This Post Posted: 08/September/2006 at 7:42am
you insure for replacement value.... you pay more yes, but it's worth it..lol
www.mr-steamer.com
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doug View Drop Down
King of the One Liners
King of the One Liners

Just My opinion

Joined: 31/January/2004
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Points: 32711 		Post Options Post Options   Thanks (0) Thanks(0)   Quote doug Quote  Post ReplyReply Direct Link To This Post Posted: 07/September/2006 at 4:18pm
They just depreciate the hell out of everything. I lost some equipment once. The paid me jack?
Just My opinion
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MR. STEAMER View Drop Down
True Patriot
True Patriot

Only in the GTA

Joined: 03/March/2004
Location: Canada
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Points: 14549 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MR. STEAMER Quote  Post ReplyReply Direct Link To This Post Posted: 07/September/2006 at 3:53pm
most times you have to take out a seperate insurance for your equipment
www.mr-steamer.com
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Willy Parsons View Drop Down
Carpet Cleaning Specialist
Carpet Cleaning Specialist


Joined: 29/January/2004
Status: Offline
Points: 467 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Willy Parsons Quote  Post ReplyReply Direct Link To This Post Posted: 06/September/2006 at 11:07am
A fast heads up to check your insurance policies.  Thinking I was doing fairly well in that area, I just suffered a $20,000 +  loss (through no fault of my own) and ended up with less than $8000 in return to replace van, machinery and all my stuff.I was lucky enough to dodge the bullet, but a few years ago I may not have. Before you end up in my mess...........................................................
















CHECK YOUR INSURANCE POLICIES!!!!!!!!!


Edited by Willy Parsons - 06/September/2006 at 11:08am
Certified to be certifiable.
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