Home Owner's Insurance & Ammo Storage

[ronny]

Ya'll are getting off topic. The issue is not if ammo can be a problem in a fire, it's is the insurance affected by the existence of the ammo. Unless it's some jake-leg company with their own filed exclusion, the only thing they can hang their hat on is "an increase in hazard" and I'd fight 'em all day long on that one. It can safely be argued that it is normal for a home in Oklahoma to have ammo stored in it.

BTW, it's never been explained here what a "large" supply of ammo is. I suppose if you had your 3rd bedroom full to the brim, there might be an issue. But, even there, barring something in the policy itself which they can hang their hat on, it is up to the courts to decide.

 

[MLR]

I took a arson course once that had a section about ammunition being in a fire, and a insurance agent on the H&H forum discussed this last year...the real danger to firemen is ammunition chambered in a gun cooking off because it is just about like pulling the trigger... and if it is a semi-auto it can keep cycling until the magazine is empty. Loose ammo doesn't have anything to help compress or concentrate the powder blast so it isn't much more than a big firecracker going off. The bullet pops out of the brass a little like a cork out of a champaign bottle. Still something to be concerned about.. but not nearly as dangerous as a chambered round cooking off.

Would like to see a Myth Busters test on this. If it was hot enough to cook off the round in the chamber then wouldn't the rounds in the magazine cook off as well? Before being cycled through the action?

Michael

 

[JB Books]

Sounds like another confirmation that insurance companies are in it only to make money and not to protect the insured. Insurance is one of the few businesses that if the profits aren't as much as the previous year they raise rates or cut services.

Yes and the majority of members here keep voting for legislators that continue to allow the insurance company to screw the public.

 

[tRidiot]

Yes and the majority of members here keep voting for legislators that continue to allow the insurance company to screw the public.

How about the lawyers who continue to screw everybody?

 

[Glocktogo]

Yes and the majority of members here keep voting for legislators that continue to allow the insurance company to screw the public.

Because our lives would be SO much better if instead we voted for the liberals that would simply allow a different class of scum to screw us!

How about the lawyers who continue to screw everybody?

Yep, they be rapin' errbody out here!

 

[JB Books]

How about the lawyers who continue to screw everybody?

As opposed to so-called medical professionals who regularly berate their paitents?

 

[ultimatesooner]

I have over a decade of experience in insurance and have never heard of this. Its not part of a standard homeowners policy but something the company could have done to endorse the policy

 

[JB Books]

Because our lives would be SO much better if instead we voted for the liberals that would simply allow a different class of scum to screw us!



Yep, they be rapin' errbody out here!

Typical "all or nothing" response. Thanks for not disappointing.

 

[tRidiot]

As opposed to so-called medical professionals who regularly berate their paitents?

Just the drug-seekers.

Feeling put-upon?

 

[Glocktogo]

Typical "all or nothing" response. Thanks for not disappointing.

Just pandering to your preconceived notions there JB!