
09/24/10, 04:36 PM
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Join Date: Jun 2009
Location: North Eastern Missouri
Posts: 1,629
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Not so worried about city codes...there are none where we live. More worried about what the insurance companies want and our own safety. City codes are pussy cats to handle in comparison to insurance codes.
Typical conversation with agent while looking for insurance:
Agent: What type of wiring do you have?
Me: Ummm, none, it is an Amish homestead.
Agent: No, what type of wiring, 110 or 220 it has to be wired with one of those. You do have electricity don't you?
Me: No, it's an AMISH homestead. NO wiring, NO electricity, we are lucky to have an inside toilet.
Agent after a moments silence: Well, what are you using for power?
Me: Generator
Agent: No wiring?
Me: NO WIRING! No 110 No 220 just a generator with extension cords at the moment.
Agent. Oh, we can't insure you if you don't have wiring.
At that point I was ramming my head into the wall and inventing new swear words. What does having on the grid electricity have to do with it? We had everything else. Water on the property, both city and in the form of ponds. There were no problems with our buildings, just the blasted city electricity thing. If it wasn't so serious it would be funny.
The next agent couldn't insure us because we bought the place to cheap. They couldn't replace it for what we paid for it. Therefore, it was uninsurable.
Farm Bureau: You need insurance, no problem. We can do that. No inspections, we will just drive by and take a look. We are at your service. They are nice folks. I recommend any homesteader to check in with them if you need help with any farm oriented problems or needs.
No lie. One agent came out, looked the place over and told us we had to fix the stove pipe like we are doing now. He told us we would have 30 days to do it. No problem. Three days later we get a letter from the company telling us we had 7 days to do the upgrades. That was a problem for two working people who come home exhausted at night and basically stare into space before going to bed to do it all again the next day.
We are so far out in the country that codes aren't a problem. Insurance companies are.
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