Thread: Class 1 DG house insurance

Don't have a fire. Flooding not an issue.

Originally Posted by Fssprecision

I was an insurance assessor on major claims for 18 years until about a year ago and never heard of a declinature for such or saw a clause in a policy if you were sensible.

Sure if you decided to do some reloading by candle light they might get difficult but otherwise really not an issue.

I have been involved with settling many claims where people just did dumb things but they still accepted them.

You should make a thread just about some of your crazyest stories would be hella entertaining

Apparently the max you can hold under a firearms licence without a specific controlled substances licence and approved handlers and facility approval is less than 15Kg of propellant powder - no stocking up for the 50BMG boys!

Originally Posted by MCCPRO

Probably stupid question but are many of the fireproof safes also waterproof or hermetically sealed? Not talking about like a 5 gun spika safe but the big boy ones.

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A lot of them have door seals that only expand when exposed to heat so probably not water tight. That and the bolt holes in the floor.

It is important to only store powder in a plywood or similar box that does not have a great deal of strength. In the unlikely event of a fire then the containers just burn with doing anything life-threatening. If you lock powder in a steel safe or other strong container then in a fire it will build up pressure when it ignites and blow apart with considerable force. A tight, strong seal, the bigger the bang! I store mine in a cupboard in the garage in a plastic fish crate. It the event of fire it can be quickly moved to a safer place.

The reason I asked was, there should/could be a market waterproof/fireproof safes. Rhe Bolts to the floor are the easiest. But if my house theoretically got flooded, my guns are buy far my higher ticket items apart from watches.
I don't want to be paid out buy Insurance for some rifles as I wouldn't be able to get them again.


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Originally Posted by MCCPRO

The reason I asked was, there should/could be a market waterproof/fireproof safes. Rhe Bolts to the floor are the easiest. But if my house theoretically got flooded, my guns are buy far my higher ticket items apart from watches.
I don't want to be paid out buy Insurance for some rifles as I wouldn't be able to get them again.

Saving your guns promptly in a flood is vital. In 1979 mate of mine in Massachusetts (he worked for S&W) had his monthly day at the range cut short by a deluge of biblical proportions and promptly headed home but came to a Police roadblock where the road was full of water as it dipped under a rail bridge. The cop looked at the big Chevy Blazer and said "You'll get through OK in that." When the roof of the Blazer disappeared under the water it finally stopped and it was more than a minute later before my mate appeared with an armload of pistols and ammo that he dropped on the bonnet of the cop car, then went back under for the rest! The cop delivered him home! The guns all cleaned up like new because of his quick action.