[Jewelry making - Article 00990] - Re: [Orchid] Propane Safety

[Marty]

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>     All this talk lately about propane tanks in the house has made me
>     very nervous, although I've never had a problem. But tell the
>     insurance company?  I can't bring myself to open that can of worms. 

Dear Alan Mason,

    Your worries about contacting your insurance company are not helpful
    to you. 

    If you contact them BEFORE there is a fire or other loss then you
    will be dealing with the "good cop" insurance agent.  The agent will
    want to help you. He/she will want to find a way to keep you as a
    customer, to find a way to make your set-up work safely, in other
    words, to keep you in business so that the company keeps receiving
    your premiums and avoids risk of having to pay out for fire damage. 

    If you have to deal with the insurer AFTER there has been a fire
    then you will be dealing with the "bad cop" insurance adjustor whose
    job it is to find any possible reason to avoid paying for the
    damage.  An adjustor will ask lots of questions, look in many
    corners, etc.  

    The fact that you mention that all this talk about propane safety
    makes you "very nervous" almost guarantees that your nervousness will
    only be worse and probably quite obvious at that point in time. A
    violation of the company or government rules about your propane
    installation may be enough to void the policy even if the propane did
    not start the fire.  So get ahead of the problem. The insurers want
    to avoid payouts so they will do their best to help you get it right
    - out of simple profit-seeking good sense. 

    Another way to look at this - Why are you wasting your money paying
    for insurance that will not pay off when you need it ? Cancel the
    policy and use the money for a good party. 

    I don't think much of leak detectors, as I have mentioned in a
    previous post. Of course they might help but I can think of a bunch
    of reasons why they might not help also.  For example, if there is
    nobody home when the detector notices a leak, who will notice its
    alarm signal? Or if some well-meaning person arrives in response and
    turns on a light switch to see what's up. Or if the propane has been
    driven to the opposite end of the room from where the detector is
    located. 

Marty in Victoria.

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