[TheForge] Insurance (Re: Equipment for a newbie)

[Bruce Freeman]

I found that to be true with respect to the city Fire Marshall.  "Coal
forge?  What's a coal forge?"  But when I pointed out that the flue
could not possibly get as hot as a wood stove flue does, they agreed
to permit it on that basis and by those rules.
My garage shop is detached from the house, so there's not much worry
about setting the house on fire.  However, I do store all significant
quantities of flammables in sheds out back.  That includes paint
thinner, gasoline, kerosene, propane, etc.  I may have some beeswax
and as much as a quart of linseed oil in the shop.  Also small,
bernzomatic type gas cylinder.  The shop is leaky enough that I don't
worry much about those.

On Sun, Nov 14, 2010 at 8:10 PM, Paul N <crosspein at sbcglobal.net> wrote:
> I've been polling others that I know that have "home" shops with indoor
> forges, and it seems that in general, the insurance agents are more
> concerned about wood burning stoves for heat then the forges (either
> coal or home-built gas). My assumption is that they only understand the
> stoves, and the forges are too much of an unknown to make the actuarial
> tables.
>
> I'm continuing to look, and I'm actually kind of encouraged by what I'm
> learning. One thing for sure is, if I get a verbal OK on a shop with a
> forge, I'm going to insist I get it in writing.
>
> Thanks for the discussion
> **paul
>
> On 11/13/2010 6:51 PM, Jerry Frost wrote:
>> We have a farm rider on our insurance too but it's limited coverage, mostly
>> for personal injuries if a barn cleaning teenager is maulled by a pygmy
>> goat. The wood stove in the house bumps our insurance a couple hundred a
>> year and I wouldn't want to even hear what they said about a home made
>> propane forge. Of course it'd probably be something like NO!
>>
>> Jer
>> ----- Original Message -----
>> From: "Jerry Smith"<jerry_smith at anvilsandinkstudios.com>
>> To: "Blacksmithing List Sponsored by ABANA"<theforge at mailman.qth.net>
>> Sent: Saturday, November 13, 2010 4:07 PM
>> Subject: Re: [TheForge] Insurance (Re: Equipment for a newbie)
>>
>>
>> Because I live and work a farm, my shop is covered, but that insurance is
>> not
>> cheap.
>>
>> Jerry
>>
>>
>>
>>
>> ________________________________
>> From: Kim George<klgeorge at kent.edu>
>> To: Blacksmithing List Sponsored by ABANA<theforge at mailman.qth.net>
>> Sent: Fri, November 12, 2010 11:34:54 PM
>> Subject: Re: [TheForge] Insurance (Re: Equipment for a newbie)
>>
>> That insurance agent is probably wrong.I had some storm damage and the
>> adjuster agreed to cover the damage but a second adjuster came later
>> and said they couldn't cover the shop under the house policy. That I
>> had to get a commercial policy. I have a coal stove and a coal forge.
>>
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-- 
Bruce
NJ