Say it is not true!!

dynapig

dynapig

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I hear tell that some insurance companies will cancel your policy and refuse coverage in the event of a fire if they discover you are a re-loader and have/had powder for either reloading or for muzzle loading purposes. I am considering getting into loading myself, this does not fill me with warm and fuzzy feelings!!

What is the difference between having a few flats of factory shot gun ammo, or a few bricks/cases of factory rifle ammo and having a jug of powder!?!?!!! They both will make a heck of a fire.

I know if you are into loading rounds for profit/business you have problems however for average joe?


Fact or Fiction?
 
I was once told by the really famous Horacio Caine, while he did his crooked head thing : "I say ... you have the right to remain silent and fight later if you ever need too".

for most insurance what you heard is true
 
volks_r_us said:
I was once told by the really famous Horacio Caine, while he did his crooked head thing : "I say ... you have the right to remain silent and fight later if you ever need too".

for most insurance what you heard is true
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Good Point, "I know nothing. Seen nothing. What is gun powder do you snort it? Duuh"!!

However the plea "Who me never"!?

I am not convinced.:onCrack:
 
My State Farm policy specificly allows consumer products stored in thier origional packaging or approved containers. It seems likely to have been drafted to cover paint, propane, etc.
 
Canuck223 said:
My State Farm policy specificly allows consumer products stored in thier origional packaging or approved containers. It seems likely to have been drafted to cover paint, propane, etc.
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Paint, propane, smokeless powder, black powder. ect. perfect!!
 
Let us be serous but for a moment!! and get back to the original question. Possessing gun powder will it cancel my policy?
 
not sure about their policy on gun powder but our insurance company doesn't want me to keep any more than 1 cord of firewood in the basement at any one time incase the house should catch on fire.it is almost impossible to put out a 6-8 cord pile of burning hardwood.so there would be less chance they would be able to save the structure.the only way to be sure would be call them and ask.
 
Look back a couple of months for other threads on this topic. One guy in PEI had his canceled w/o warning. I was changing companies at renewal time, about the same time and specifically asked the agent. She called the underwriter and No Issues with them, Intact. thou I seen someone from the East say different with the same company since then.
Clint
 
All policies are differant, make sure you know yours. Some have limits on things like jewelry and guns. Mine has a $2000 limit on non motorised boats, so my carbon fibre canoe won't be completely covered. It can be a catch 22. If you tell them you reload, they may cancel you, in which case you find another insurer. If you don't tell them and they find out after a fire they will refuse to pay and it could cost you your entire house and contents. Get a copy of your entire policy not just the short version and do something most people never do, read it from start to finish. If there are exclusions they will be in there.
 
dogzilla said:
All policies are differant, make sure you know yours. Some have limits on things like jewelry and guns. Mine has a $2000 limit on non motorised boats, so my carbon fibre canoe won't be completely covered. It can be a catch 22. If you tell them you reload, they may cancel you, in which case you find another insurer. If you don't tell them and they find out after a fire they will refuse to pay and it could cost you your entire house and contents. Get a copy of your entire policy not just the short version and do something most people never do, read it from start to finish. If there are exclusions they will be in there.
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Best Answer so FAR!!:) However I must admit telling my broker OH By the way do you mind the fact I have explosives in my house bother you. makes me a bit tentative!!
 
"...I have explosives..." Smokeless powder isn't an explosive. Propane tanks are more hazardous. Some insurance companies are becoming anti-firearm though. Read your policy.
"...$2000 limit on non motorised boats..." Can you buy a replacement value rider(something you should have on firearms)? Just curious.
 
First, never offer information to your insurance company. In the event of a fire, unless you're pleased with what they offer, you'll be contacting a lawyer anyway. If the FD reports on the presence of powder and primers, you'll just be talking to the laywer sooner. One way or the other, unless they specfically spell it out, you've got a leg to stand on. Like other have been saying....get a full copy of your coverage. Nothing in there about reloading stuff ? No problem.
 
sunray said:
"...I have explosives..." Smokeless powder isn't an explosive.
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As my grandfather said many times "Son, never break the law until you know what the law is". This is what the Canadian Explosive Act has to say about "Smokeless Powder" (propellant powder)

Act: Explosives Act, R.S.C. 1985, c. E-17
Regulation: Explosives Regulations C.R.C., v. VI, c. 599, p. 3961, as amended

More Information
Explosives Regulatory Division
To Whom Does This Apply?
Manufacturers, importers, distributors and users of blasting explosives, pyrotechnics (special effects), fireworks (family and display), ammunition, propellant powders, toy pistol caps, and other safety-oriented types of explosives (safety flares, airbag inflators). This is accomplished through a system of authorization, licensing, certification and permits supported by a compliance inspection program.

Regards

Aubrey
 
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