[Jewelry making - Article 01254] - Re: [Orchid] Studio in house

[jlh/nlh]

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>        You basically get it correctly. plus if the city or community
>     has no manufacturing in a residential area, your home owners
>     insurance will be void. 

    Well, yes and no. I was once a claims adjuster in the dim and
    distant past. I would venture to say that no adjuster worth his
    license will give you a flat statement as to whether or not a
    company would pay in  any given case. He or she might give an
    educated opinion, but probably would not bet the farm on it.  One
    thing that results in a pretty fair chance of voiding the policy is
    lying on the application. If the ap form asks whether or not you are
    running a business in your home, you would be very wise to tell the
    truth. Once you have the policy, pay close attention to the
    "exclusions" section and the endorsements. There are several
    standard  insurance forms. They provide differing levels of coverage
    for which you are charged differing amounts. The  endorsements 
    provide additions, deletions and modifications to the various
    provisions in the basic form. Not only that but insurance law is
    constantly being revised and added to through court decisions and 
    state legislatures are constantly exerting their influences as well.
    What I'm trying to say is that no one on this list is be able to
    make a definitive statement regarding  your chance of recovering in
    any given instance once the loss has occurred. By the way, the
    respondent who said that their is a lot of difference between what
    an agent will tell you and what the claims people will tell you is
    right on. Sales and claims are two distinctly different parts of the
    business. 

Jerry in Kodiak

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