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muladzh Profile
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Re: The perfect hot topic


The replacement vehicle is one we have owned for the last five years - it is an '05 Jeep TJ, not a Rubicon, so no lockers or such, but it is a good vehicle, that has been in deserts all over the country, without bursting into flames. It is nearly all metal, very little plastic anywhere, and has a good straight six motor. It may have a little difficulty in the sand, being that it has open diffs, but it has a winch, so I can yank myself out of deep sand, with a holdfast and shovel.

The stuff we lost was all bought at discount prices, so we will have our work cut out to replace it all with the settlement, what ever it is, but.... We will have $575 more money every month

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9/22/2010, 3:26 pm Link to this post Send Email to muladzh   Send PM to muladzh Blog
 
muladzh Profile
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Re: The perfect hot topic


The insurance are balking at the personal property lost, so they probably won't be paying anything at all. I will concentrate on this problem, and cast a few in their direction.

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9/22/2010, 6:14 pm Link to this post Send Email to muladzh   Send PM to muladzh Blog
 
Firlefanz Profile
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Re: The perfect hot topic


Well, at least you found a good replacement vehicle. And I hope the insurance company will change their mind.

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Hannah Steenbock
Hannah Steenbock's Forum
9/23/2010, 3:18 pm Link to this post Send Email to Firlefanz   Send PM to Firlefanz Blog
 
muladzh Profile
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Re: The perfect hot topic


The entire concept of insurance is annoying - the law says you must have it, but the companies don't like paying out. They take money for years, thousands of dollars in my case, then won't pay up when I make a claim. As soon as the house in Indiana either sells, or is foreclosed, the insurance on my home ends. The new homestead will not be insured, as they would have a fit if I tried to get them to.

The new homestead will be so far away from modern ideas, nobody will see it as viable. I have many ideas of protecting it from fire - the only real danger - nothing would attract criminals.

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9/23/2010, 3:56 pm Link to this post Send Email to muladzh   Send PM to muladzh Blog
 
Queenyforever Profile
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Re: The perfect hot topic


I hear ya on the [sign in to see URL] beginning to end they are a money making rip off!
I don't blame you for not bothering with house insurance either, not like they would, but you can probably set up better protection via overhead sprinklers from a holding tank and a heat sensors anyway...

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✴ Birthplace: Earth ✴ Race: Human ✴ Politics: Freedom ✴ Religion: Love♥

9/23/2010, 9:56 pm Link to this post Send Email to Queenyforever   Send PM to Queenyforever Blog
 
muladzh Profile
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Re: The perfect hot topic


The new homestead won't be within range of any 911 response, it is far more out of the way than the 26 miles distance that the Jeep burned at, and that took the fire crew over twenty minutes to arrive - the homestead is about 20 miles further, over rough terrain, so it would probably take them nearly an hour to arrive, so we will have about 1500 gallons in a cistern up the hill above the house, with a 1.5 inch delivery hose, to a spray nozzle. Quite sufficient to effect an escape.

The location, and the building would not satisfy any insurance company, or zoning law, so they are not even an option. The way the new house will be built will be make combustion difficult - any house will burn, but this one will take a lot of heat to get it to, the surrounding ground will be clear of vegetation for a couple of hundred feet, so when the desert burns, as it does once or twice a decade, the house and equipment will be safe.

However, that is the future. At present, the insurance company is managing to prove how unpleasant commerce really is.

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9/24/2010, 1:56 am Link to this post Send Email to muladzh   Send PM to muladzh Blog
 
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Re: The perfect hot topic


Sounds like you have it worked [sign in to see URL] your house going to be built "into" the hillside?
Sure hope the insurance gets their heads out of their arses...

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✴ Birthplace: Earth ✴ Race: Human ✴ Politics: Freedom ✴ Religion: Love♥

9/24/2010, 4:21 pm Link to this post Send Email to Queenyforever   Send PM to Queenyforever Blog
 
muladzh Profile
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Re: The perfect hot topic


We haven't decided on the exact location yet, I need to get new survey tools - they were in the jeep, so I can work out angles of slope. Whatever site we choose, three walls will be completely buried, with a concrete front wall exposed over four feet up. The roof will be corrugated metal on a metal frame, so nothing combustible will be open to air. The inside will be stucco as well - saves a lot on building materials, using sand bags inside and out. The roof structure will be supported on twelve in diameter poles, but they will be within the sandbag walls so not easy to get burning. There will be four lightning conductors on the roof, grounded with two inch straps.

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9/24/2010, 5:11 pm Link to this post Send Email to muladzh   Send PM to muladzh Blog
 
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Re: The perfect hot topic


Sounds good. I'm sending good luck and smooth working.

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Hannah Steenbock
Hannah Steenbock's Forum
9/26/2010, 5:45 pm Link to this post Send Email to Firlefanz   Send PM to Firlefanz Blog
 
Queenyforever Profile
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Re: The perfect hot topic


Sounds safer than a house built right next to a fire station! emoticon

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✴ Birthplace: Earth ✴ Race: Human ✴ Politics: Freedom ✴ Religion: Love♥

9/27/2010, 8:35 pm Link to this post Send Email to Queenyforever   Send PM to Queenyforever Blog
 


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