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Post by smiths on May 30, 2018 11:27:49 GMT -6
Does a Barn entry have to have a Door by Law ?. this would be a end of the Barn tractor bay entry. the doors that were on the Barn many many years ago were sliders and you could either have both bay doors closed or one over laps the other and you can only have one open at a time.
I'm told by an Insurance person that I MUST have doors on the Barn.
If there is such a requirement can someone please point me to the written law.
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Post by Dave on May 31, 2018 11:45:29 GMT -6
Does a Barn entry have to have a Door by Law ?. this would be a end of the Barn tractor bay entry. the doors that were on the Barn many many years ago were sliders and you could either have both bay doors closed or one over laps the other and you can only have one open at a time.
I'm told by an Insurance person that I MUST have doors on the Barn.
If there is such a requirement can someone please point me to the written law.
A couple of questions, In what state is the barn? And what type of insurance are you requesting. Theft, fire, wind , storm damage ? |
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Post by smiths on Jun 8, 2018 11:15:15 GMT -6
A couple of questions, In what state is the barn? And what type of insurance are you requesting. Theft, fire, wind , storm damage ? Barn is in Michigan. The Barn is and has been insured for several years as part of a residence and has the typical homeowners Insurance .
The underwriter for the Insurance co. just happened to come by to take pictures of the property and documented this perticular barn which I keep a couple tractors in did not have the doors on it ...these doors were removed a long time ago but there is remnents of doors being in place at some time . My guess is the doors just got in the way so they were removed , I do not see a problem with not having doors but my insurance co. does, they say a child may wander in the barn and get hurt on my tractor . They do not seem to care if I leave the tractor outside . I cannot find any ordinance stating all barn entrances must have doors . And yes I am reviewing other Insurance companies to find a "farm friendly" company.
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Post by Dave on Jun 8, 2018 13:40:30 GMT -6
I would say you have the right approach to the issue. Checking with some other "farm friendly" ins.
Please let us know how this turns out.
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Post by Dave on Jun 8, 2018 13:58:55 GMT -6
The following was copied from a Nationwide ins site.
An important part of your farm property insurance policy is the protection it provides for covered damage to your barns and other farm buildings. Your farm and ranch structures must be listed on your policy to be covered.
Barn coverage includes protection for:
•Equipment that is used in the service of the building, such as water pumps, motors and outdoor equipment
•Furniture, fixtures, machinery and equipment used for the operation of the building – located in, on or within 100 feet of the structure
Be sure to talk to your agent about:
•Insuring your barns or other buildings for replacement cost or actual cash value.
•The causes of loss (basic, broad or special) you want to insure for.
•How much deductible to carry. A higher deductible may lower your premium, but you would have to pay more in the event of a loss.
Under certain conditions, AgriChoice® may provide coverage for collapsed structures. Your policy explains the conditions and causes of loss for which a collapse would be covered.
Did not say anything about having to have doors.
It actually implies that they would insure a collapsed barn, hard to close the door on a collapsed barn.
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