rifles in a house fire

is that a set in stone number , or a guesstimate ...... not trying to bust you balls , but rather this is something i can work with ..... i'm thinking of cutting up and heating some old barrel sections up to a know temp until i have a similar damage to the the finish on the barrel .

No, it's decidedly not. In fact, his number is WAY off. I'm a knifemaker. After I harden a blade I have to temper it to take some of the hardness out. Depending on the final hardness desired you may temper anywhere from 350 to 500. Depending on how hot they got and how long they were that hot will determine the damage. Now how much heat does it take to bubble the finish on a stock, I don't know. But you could cut a chunk off the stock and stick it in your oven (wait until your wife isn't home). Bring the heat up and wait to see where it starts to act like what you saw on the butt. You'll have a rough (and I mean ROUGH) ballpark. I would be inclined to say that they're still good, but that's purely speculation.
 
The tempering level for steels is dependent upon the steel and previous heat treat. If the original heat treat included a temper at , say, 800 degrees, anything under that will leave the metal unchanged. Unless the stocks are charred, I wouldn't be concerned.
 
First off sorry to hear of your misfortune to have had a fire.
Guns, marine equipment (boats, motors etc.), jewellery, art, and other items the insurance company deems to be in the same category, are only covered to a specified dollar value as specified in your home owners policy. If your guns were listed as insured on a separate rider under your home owners policy then you have additional coverage on that item. The question then is are you covered for present day replacement cost, or the estimated value of the item when it was lost or destroyed. For example if you had a mid 80's M-70 30-06 with a Bushnell banner scope on it. If you have full replacement cost then you get to go buy a new M-70 and comparable scope. If it is only covered for the estimated value of the gun and scope when lost then your not going to get much money for the item.

I had my hunt camp broken into many years back, they took a perfectly good old fibre glass canoe and an old but working 2 hp motor, since we had no separate riders covering them our policy only paid out $200.00 for marine equipment, so that's all we got.

Now that you have a claim your file will be turned over to an adjustor who will know every fine point in your policy and will interpret them to the insurance companies advantage not yours. Your house and contents will be covered "up to" the dollar value listed in your policy. Loose any thoughts that you will benefit financially from this loss as it is highly unlikely. The insurance company is going to be looking after their interests first and yours dead last. Having receipts for items is a huge benefit as it proves what you originally paid.
I speak from pure very hard earned unfortunate experience over many years with having to deal with insurance companies. Insurance companies are heartless sharks and I wish you all the best while dealing with them .
 
i have no choice to file a claim ..... i have no house otherwise ..... also i'm not taking a 20 ish grand hit loss on these possessions

I hear ya, No choice in your situation. Sorry to hear that happened. Hopefully they are a stand up company and will get you back up on your feet soon...

Its definitely something you only ever want to claim once...Only call when literally your house burns down or floods otherwise just pay and fix it yourself home insurance is not guaranteed in Ontario. Many mortgages require it and banks can call in loans in the property is not insured.
 
Back
Top Bottom