how long do i have?

[windlasher]

Originally Posted by angel-lover14
http:///forum/post/2722406
theres 1 more thing i waz thinking of as a solution 4 now, i waz wondering if i could buy a kids inflateable pool, put it in my basement,and put my fish and rock and equipment in and use it as a tank untill i get a new tank cuz 4 like 50-100 bucks i could get a pretty big kids pool and put my fish in..im just wondering iz this safe..has anyone ever did this be for?thx 4 the help
As mentioned before. Your homeowners insurance will cover your tank. It will not cover your livestock unless you specifically wrote a policy for them. Call your insurance company and you should have a check in a few days.
BANG VROOM, back in business with another 580 or 350 or whatever. IF you get the 350, you should have enough left over to buy a camera.

 

[spanko]

Depending on what your deductible is.

 

[srfisher17]

Originally Posted by windlasher
http:///forum/post/2722836
As mentioned before. Your homeowners insurance will cover your tank. It will not cover your livestock unless you specifically wrote a policy for them. Call your insurance company and you should have a check in a few days.
BANG VROOM, back in business with another 580 or 350 or whatever. IF you get the 350, you should have enough left over to buy a camera.

He's in Canada,it may be different. Again, I'm no expert, just reading from my policy. Damage like this to personal property (not real property) isn't usually covered under your homeowners. However, if the damage is caused by a non-family member's negligence, it would be covered by THEIR homeowners liability section in THEIR HO policy. But, that's a good way to lose friends. (People who mess with my fish aren't my friends anyhow...Sue the

[hr]
! And, don't forget all the emotional stress, bad back from the clean up,etc) Get John Edwards to handle the case, this was his specialty...but he seems a bit busy right now.

 

[one/eighth]

The thing that makes it unbelievable is if its your Dad's tank why is he having you do all the leg work? Like finding places to put the fish and everything else. Does he have you on here looking for help? He does not know what to do either? From what I have read you have had plenty of advice. If your dad has the money to upkeep a 580 gal. tank then it shouldn't be a problem to buy a 300 gallon and put everything in it. Also spelling the word come with the letter U dosnt help your creditability either.
Just my $0.02

 

[girlina4x4]

Insurance is my family's business and I also work at one while I'm in school.
That said, the contents of your home are covered for half the value of the replacement cost of the home. For example:
Dwelling: $300,000
Contents: $150,000
So if your house burned to the ground, the insurance company would give you $450,000. So with your deductible (usually $500-$1000), which means you pay the first $500 or so, the insurance company will cover the rest. If the $2000 your dad's friend gave you does not cover all of the damage, put a claim into your insurance carrier. If you do this however, the premium (how much you pay per year) WILL increase. Let me know if this was confusing or you have more questions.

 

[srfisher17]

Originally Posted by Girlina4x4
http:///forum/post/2725099
Insurance is my family's business and I also work at one while I'm in school.
That said, the contents of your home are covered for half the value of the replacement cost of the home. For example:
Dwelling: $300,000
Contents: $150,000
So if your house burned to the ground, the insurance company would give you $450,000. So with your deductible (usually $500-$1000), which means you pay the first $500 or so, the insurance company will cover the rest. If the $2000 your dad's friend gave you does not cover all of the damage, put a claim into your insurance carrier. If you do this however, the premium (how much you pay per year) WILL increase. Let me know if this was confusing or you have more questions.
Most HO policies do not cover loss to personal property the same way as real property is covered. A tank lost to a fire, theft, vandalism, etc., would likely be covered; a loss by hitting it with a pool cue would probably not. Personal property is usually covered on a named peril basis; real property on an all risk (with some exceptions, like flood) basis In most states, premiums cannot be increased due to one unpreventable loss.

 

[1journeyman]

Originally Posted by Girlina4x4
http:///forum/post/2725099
Insurance is my family's business and I also work at one while I'm in school.
That said, the contents of your home are covered for half the value of the replacement cost of the home. For example:
Dwelling: $300,000
Contents: $150,000
So if your house burned to the ground, the insurance company would give you $450,000. So with your deductible (usually $500-$1000), which means you pay the first $500 or so, the insurance company will cover the rest. If the $2000 your dad's friend gave you does not cover all of the damage, put a claim into your insurance carrier. If you do this however, the premium (how much you pay per year) WILL increase. Let me know if this was confusing or you have more questions.
That's not exactly accurate as it fails to mention the type of homeowner policy you have or the State you live in. Both can greatly affect how a policy covers personal content.
The best thing to do is call your agent.
Also, be verrrry careful about telling people you will advise them regarding insurance on the web. If you are not a licensed agent in the State they ask from you could very well be breaking the law in your state.