Fire, tractor

[aircommuter]

So sorry. I trust he is well?

Yes he is fine. Lost was shop and contents, camper and two cars. One is seen the the shop. Some how it missed the house.

 

[rcrcomputing]

Thoughts are with you. Whereabouts are you. We are in Logan Cty

Close to Cleveland ok. About 30 miles Southwest of Tulsa

 

[rcrcomputing]

Sorry to hear. If nobody was hurt you have that to be grateful for the rest is just stuff but is terrible none the less.

No one was hurt, which we've all probably been through as we get older. I'm here to tell you there is no comparison between the two.. In fact, it truly is JUST STUFF. Though admittedly it still sucks...

 

[MJZ]

Property claim is progressing. Tractor claim is moving too slow....dealer is picking up tractor next week for inspection. Adjuster will review. I have good rapport with dealer and I shared my concerns with service manager. I think I have an ally.

 

[kenhar]

Probably good advice, but what can a guy with a "possibly damaged" tractor do to get a reasonable response time out of an adjuster in a wildfire disaster zone? Is there any obligation on the part of the insurance company to actually get around to him, in a reasonable amount of time?

I can't even imagine how I'd get by without the use of my tractor, at this time of year... I'd probably have to rush out and buy or rent another.


??? He didn't even mention any plastic on the tractor melting, and in fact we know the wiring and primary electronics must still be okay if it started and ran.

Annealing temperatures for steel and iron are all up above 700°C, way beyond where things like wiring and plastics turn to puddles on the floor. There is no metal fatigue if the plastic bits aren't melted beyond recognition.

If you don't get a reasonable response from your insurance company, go to the state insurance commission. Take your insurance policy to prove your coverage and any pertinent information (estimates, pictures, etc). I had a fire start from a fence charger, had liability insurance that covered fire damage coming from my farm to someone else's. The damage was on my mother's property. It was obvious where the fire started. The wind was out of the north and she lived south. The adjustor told me to get a list of the damage and they would cover it. None of my stuff was covered, only other peoples because I only had "liability" coverage. The company refused to pay not the adjustor. The insurance company contended the fire was an act of God. I showed the policy to the insurance commission and the guy asked was it my fence charger or Gods. He said I was covered but God probably was not. He wanted to know who at the insurance company was denying the claim. I found out from the local office and told him by phone from their office. When I got home my mother told me that the insurance office called and wanted to settle the claim ASAP. We went back that afternoon and they couldn't be happier to make out a settlement check. They told my mother if she found any other damage later, they would be glad to cover it. The company was Farm Bureau. I had 4 other policies with them on vehicles, house and barns. They didn't cancel any of the policies but when they came up for renewal they refused. Later, I asked the guy at the insurance commission what he had said to the company man to change his mind. He said told them I was insured for fire liability; the fence charger was mine and God wasn't involved. Either settle or quit selling liability insurance in the state of Arkansas. True story. I didn't hear it, I lived it.