RamThis
New member
Yeah but for "homeowner" insurance to be valid on something like this, doesnt it have to occur at the residence, or within so many feet of it??
Probably 15 or more years ago, we had a hay barn with about 800 bales of coastal hay in it (I lived in the country with the folks on 60 acres) A grass fire caught the barn on fire, and they lost all the hay, and the steel structure bar was melted right to the ground from the heat of the fire. had about 3 grand in the barn, and about 3 grand in the hay. Homeowner insurance would not cover it, because it was more than 50 ft from the house. It was actually about 80 feet away from the house. 6 grand lost over 30 feet distance.
Not saying another policy might cover it, just stating what we've gone through with trying to use homeowner insurance to cover a loss....
Probably 15 or more years ago, we had a hay barn with about 800 bales of coastal hay in it (I lived in the country with the folks on 60 acres) A grass fire caught the barn on fire, and they lost all the hay, and the steel structure bar was melted right to the ground from the heat of the fire. had about 3 grand in the barn, and about 3 grand in the hay. Homeowner insurance would not cover it, because it was more than 50 ft from the house. It was actually about 80 feet away from the house. 6 grand lost over 30 feet distance.
Not saying another policy might cover it, just stating what we've gone through with trying to use homeowner insurance to cover a loss....
