Quote:
Originally Posted by rwdavis
It's a '99. Maybe my homeowners insurance could help??!!
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I am an property insurance adjuster. There are many different policies with various coverages. Most, but not all homeowners policies are written on a form called the HO-3. Some omit the 3 and just call it a Homeowners Special Form.
If that is what you have, you should have a little coverage for the TM damage. It does vary from company to company but look in your policy under the section entiled "Special Limits of Liabilty" found under the Personal Property section of the policy. One of the special limits may read:
" $ 1,500 on trailers or semitrailers not used with watercraft of all types"
If so, that will give you some coverage. Be advised, that some other place in the policy, there may be a section that says if the item is separately insured under this policy or any other policy, there is no coverage on the above special limited item.
Take two asprins before attempting to read your policy. It gives coverage, it limits coverage, it takes away coverage after giving coverage.