Tom Perilloux

Be careful as our homeowners insurance dropped us after we made a stolen
property claim (our first claim EVER) and we paid elevated insurance rates
for a few years... there were very few who would cover us and it was a pain,
a very big pain. This may be worse after the hurricanes of recent years.
There is a CLUE database which insurers share so anyone can see your claim
history.

It may not be worth making a small dollar claim.

On 3/7/07, Heather VanValkenburg wrote:
>
> I just called my home owner's insurance about this today. First, I found
> out that my home owner's policy covered up to $1000, which to many bike
> owners is good enough to re-coop most of the replacement cost. What I
> decided to do instead was to schedule my bike into my policy, separately,
> like you would with valuable jewelry, boats, trailers, and other stuff that
> would cost much more to replace if stolen than a regular policy would cover.
>
> My insurance company (PEMCO), charges $3.95 per $100 of value per year on
> an item. So, for $79 a year (which is a drop in the bucket when it's just
> added to my mortgage), I know that I can get $2000 replacement for my bike,
> with no deductable. The nice this is, this covers my bike, wherever I am- at
> a race... at a friends house... in Australia. If it's stolen, I can replace
> it.
>
> I think in terms of karma anyway, so I figure just having the insurance on
> it, will assure me that my bike won't disappear- sort of like wearing your
> rain poncho on a ride, just so it WON'T rain :)
>
>
>
> -Heather VanValkenburg
>
> ------------------------------
> From: *"Joe Cipale" *
> Reply-To: *joec@aracnet.com*
> To: *RCJohnson1@attglobal.net*
> CC: *obra *
> Subject: *Re: [OBRA Chat] Something to consider*
> Date: *Wed, 7 Mar 2007 08:53:52 -0800*
> The best way to handle this is to carry some form of homeonwers/renters
> insurance and catalog your bike(s) Serial #. DO NOT, repeat, DO NOT store
> this info on a PC. Place it in a doc file and include it in a
> JumpDrive/RAM-stick that you store in a safety deposit box along with other
> pieces of 'your life' (i.e. Insurance policies, mortgage papers, etc...).
> This way your data is safe in the event you home is broken into or destroyed
> and your PCs are lost.
>
> Just my $.0.5...
>
> Joe
>
> Rick C Johnson wrote:
>
> > Nice idea in theory but severely burdensome for a volunteer organization
> > to undertake.
> > People generally don't help out at the races to play cop...
> >
> > Rick
> >
> > Jay Rideout wrote:
> >
> > >It seems we can't go very long with hearing or reading about somebody's
> bike getting stolen. With the setup and preperation time and money ($1000
> to $6000 with a few higher or lower) we each it is a devestating loss.
> > >
> > >I would like to propose that we include a make/model/serial number on
> our event registration. I'm thinking that between OBRA, WSBA, Cascade, and
> some of the other organizations it might create a deterent. If stolen
> numbers are listed with the various organizations and somebody registers
> with matching number it would help lead to property recovery.
> > >
> > >Just a thought,
> > >
> > >Jay
> > >
> > >
> > >
> >
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