Powder Storage

[3macs1]

Why were they inspecting?

Every couple of years the cooperators will send down an inspector from ontario who spends a week here doing homes
I have had two so far
They check the date on your oil tank, how old your roof shingles are, if your electrical panel is min 100 amp and installed to code , did you add any new buildings, etc etc
Cheers

 

[flashman2]

There was nothing in mine all 28 pages I read and they dumped me like a hot potato after a routine inspection of an electrical panel and seen my reloading gear. I was with them over 20 years and it was cooperators
Cheers

For sure, they can always dump you for whatever reason. Except protected grounds under human rights legislation obviously. What they can't do is deny a claim unless you did something outside the policy. That's what I'm getting at. You could get dumped, for sure. But then you're no worse off in that case than if you ask and get dumped anyway. I don't see the advantage in asking if reloading isn't covered by an exclusion in policy.

 

[3macs1]

For sure, they can always dump you for whatever reason. Except protected grounds under human rights legislation obviously. What they can't do is deny a claim unless you did something outside the policy. That's what I'm getting at. You could get dumped, for sure. But then you're no worse off in that case than if you ask and get dumped anyway. I don't see the advantage in asking if reloading isn't covered by an exclusion in policy.

How we even got involved with this is my bud with the same company had his basement flood and they came to do an inspection. Weeks went by then months to the point he borrowed money and did all the work himself. They later sent him a letter that he did not disclose he was reloading in the home and thus his insurance was void from day one and they were not paying the water claim. He lawyered up and lost the case
The company I am with now I cannot keep the powder in the home other than just what I am using for that day but they are OK with me reloading
Try to tell mama if the house burns down and they come back sorry you were reloading there
I ask and get it in writing, same as my guns, they say they are covered but I discover only to the tune of 5K so I have a rider on them
Cheers

My apologies to the OP for side tracking here

 

[flashman2]

How we even got involved with this is my bud with the same company had his basement flood and they came to do an inspection. Weeks went by then months to the point he borrowed money and did all the work himself. They later sent him a letter that he did not disclose he was reloading in the home and thus his insurance was void from day one and they were not paying the water claim. He lawyered up and lost the case
The company I am with now I cannot keep the powder in the home other than just what I am using for that day but they are OK with me reloading
Try to tell mama if the house burns down and they come back sorry you were reloading there
I ask and get it in writing, same as my guns, they say they are covered but I discover only to the tune of 5K so I have a rider on them
Cheers

My apologies to the OP for side tracking here

Well, it's entirely possible his reloading DID violate a clause in the policy, and they were right (well, not right but you know what I mean) to deny it. If there's any doubt as to it, I'd have my lawyer look at it to be sure. Without knowing what his policy said, it's impossible to say. But... the reason for that voiding would have had to been in his policy aka contract with the ins co. I'm not saying not to check, I'm not even saying to check with a lawyer, I'm saying to at least check first before outing yourself to the insurance company.

Though reloading causing flood damage... lol that's a new one, usually the concern is the opposite.

Fully relevant to the discussion I think though, insurance and powder storage isn't something many would consider 'till too late. Easily the second most important factor in storage right after safety.

Makes you wonder how many reloading related incidents there are? I've never heard of one. Hard to see how it's even remotely as dangerous as using candles...