| Author |
 Topic  |
|
|
kyriemks
4 Posts |
 Posted - 09/28/2002 : 20:11:53
|
| Is a corral with 4 sides, not touching a structure (placed in ground 50 feet away from barn) considered structures or contents? |
|
|
wraydecker
USA
9 Posts |
Posted - 09/28/2002 : 20:48:00
|
| Most farm fences are not covered |
 |
|
|
kyriemks
4 Posts |
Posted - 09/28/2002 : 20:51:40
|
quote:
Originally posted by wraydecker
Most farm fences are not covered
Not that kind of barn, no business. Barn used as house. |
|
|
|
olderthendirt
USA
370 Posts |
Posted - 09/28/2002 : 21:00:08
|
| What type of policy |
|
|
|
kyriemks
4 Posts |
Posted - 09/28/2002 : 21:01:58
|
The policy is Protector Plus Homeowners
Cov B separate structures
Cov C personal property |
|
|
|
CCarr
Canada
1200 Posts |
Posted - 09/28/2002 : 23:36:07
|
I think it is all in the "presentation". If we a/o the carrier hear about a barn with a corral, we get one impression, that leads to a coverage interpretation.
However, if the same folk hear about a dwelling and a fence, we get another impression, that leads to a coverage interpretation.
"Corral", defined in the dictionary as, "an enclosure for horses, or farm animals".
"Fence", defined in the dictionary as, "a barrier made of wood or wire, to surround an area".
So, if what you are working with is a dwelling by definition (whether it is a converted barn or a converted warehouse) that has a barrier constructed in the yard that surrounds an area - then I would see it and sell "it" (the fence) as an "other structure" on the residence premises. |
Edited by - CCarr on 09/28/2002 23:37:39 |
|
|
|
j6407
USA
14 Posts |
Posted - 09/30/2002 : 09:28:01
|
My first manager in the insurance business clarified that question this way. "Will they take it with them if they sell the house and move? If you turn the property upside down, will it fall? if the answer is no to either one, it is structure.
If, however, you are talking about flood, there is no coverage and it is a moot question.
Juannonly |
|
|
|
CLAIMSRUN
USA
6 Posts |
Posted - 09/30/2002 : 18:52:32
|
SOME FARM FENCING IS PORTABLE, IE. CATCH PENS, TEMP CORRALS, AND ETC. THEY ARE ALL METAL AND COME APART IN SECTIONS FOR MOVING TO OTHER AREAS.
RON |
|
|
| |
Topic |
|
|
|
Structure vs. Contents
Forum Locked
