Dear Charlie AD5TH:
You have performed a great service by presenting the results of K5HGR's
engineering and your work. Its educational value is almost beyond
calculation.

In this part of the world one would need to have a licensed professional
engineer (PE) sign off on such a structure. Clearly, down your way one has
freedom to innovate without concern for issues that we are required to
consider.

My goodness. I recently completed a task of a tall tower in a populated
area where I had to have design work from the factory's PE, have that work
reviewed by a local PE, get permission from the local municipality, have
the airport sign off on the height, take soil samples so that a safe
foundation could be designed, watch the fabrication of the foundation to
make sure that it was done right, and on and on... Course, we do get
serious wind up here and it just would not do to kill someone with a tower
collapse.

You sure are fortunate not to have all of the things we have to put up
with and not even have to worry about wind. Do keep us posted. The whole
story has yet to be revealed.

73 Mac N8TT
--
J. Mc Laughlin; Michigan U.S.A.
Home:

Hi Mac,
We had certain constraints to work around such as available guy anchors
vs. distance of tower from shack since it is a VHF installation I needed to
be as close to the shack as possible for transmission line loss
considerations even with 9914. Even though we have over 40 acres the tower
needed to be close as hardline was not an option.

I am in the country here so there is little building regulation to adhere to
or approvals of construction projects.

We could and still might add concreted guy anchors although they would give
more interference for the mower and foot traffic in the back and front yards
and that was a concern of the xyl.

The tower has a very low wind load on it with those 2 small lightweight VHF
antennas. I know it is very common for hams to overload their "properly
engineered and maintained " towers.

As far as mating 2 different brands of towers I was on a budget and had
access to 45ft of what has been called "Sears" brand and 40 ft of 25g. We
altered our design from an 85ft erection down to 75ft as a safety precaution
during and after the installation. Yes trees do sway but as the photos
show they don't sway where the guys are attached.

Our insurance man has added the structure to our list of covered items in
our policy so evidently it was OK for coverage.
I suppose that no matter how we installed this tower and I so naively
posted a photo link there are some that will berate it.

TY for your civility however..seriously it was quite refreshing.....
--

Charlie
Ham Radio - AD5TH
www.ad5th.com
Deep South 2 Meter SSB Net
www.deepsouthnet.net





"J. Mc Laughlin" wrote in message
...
Dear Charlie AD5TH:
You have performed a great service by presenting the results of K5HGR's
engineering and your work. Its educational value is almost beyond
calculation.

In this part of the world one would need to have a licensed
professional
engineer (PE) sign off on such a structure. Clearly, down your way one
has
freedom to innovate without concern for issues that we are required to
consider.

My goodness. I recently completed a task of a tall tower in a
populated
area where I had to have design work from the factory's PE, have that work
reviewed by a local PE, get permission from the local municipality, have
the airport sign off on the height, take soil samples so that a safe
foundation could be designed, watch the fabrication of the foundation to
make sure that it was done right, and on and on... Course, we do get
serious wind up here and it just would not do to kill someone with a tower
collapse.

You sure are fortunate not to have all of the things we have to put up
with and not even have to worry about wind. Do keep us posted. The whole
story has yet to be revealed.

73 Mac N8TT
--
J. Mc Laughlin; Michigan U.S.A.
Home:

"Charlie" wrote in message
...

Our insurance man has added the structure to our list of covered items in
our policy so evidently it was OK for coverage.

Unfortunately, your local agent will have little or no input into any damage
or property loss claim that you may make -- that is the adjusters and claim
reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated very
quickly. Fortunate that you don't have close neighbors.

gb

Unfortunately, your local agent will have little or no input into any damage
or property loss claim that you may make -- that is the adjusters and claim
reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated very
quickly. Fortunate that you don't have close neighbors.

gb

Yep underwriters are more than willing to add things to make more bucks.

Getting the claim later is an all together another proposition.

If an agent, a representative of an insurance company, sells and the company
accepts a property then anything that happens (if fortuitous, or accidental)
to that property is covered as long as it falls within the policy language,
perils insured against and property covered.

The company can't come back AFTER a loss and deny payment because of
something not defined in the policy. They can't just make it up after the
fact.

73

"Rick Scott" wrote in message
...
Unfortunately, your local agent will have little or no input into any
damage or property loss claim that you may make -- that is the adjusters
and claim reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated
very quickly. Fortunate that you don't have close neighbors.

gb

Yep underwriters are more than willing to add things to make more bucks.

Getting the claim later is an all together another proposition.

"John" wrote in message
news:Wkmye.61939$%Z2.8135@lakeread08...
If an agent, a representative of an insurance company, sells and the
company accepts a property then anything that happens (if fortuitous, or
accidental) to that property is covered as long as it falls within the
policy language, perils insured against and property covered.

The company can't come back AFTER a loss and deny payment because of
something not defined in the policy. They can't just make it up after the
fact.

73

I'll bet that there's "language in the policy" that is sufficiently vague
and flexible such that the company can stretch a loophole for anything that
it wants. Maybe I'm too paranoid, but the insurance company expects that an
insured property is a normal and typical example of materials and
construction, and that due care was applied to the design. Further, the
property should be in compliance with local existing building codes and
standards.

If you wired half your house with lamp cord, never got a permit, and have no
record of inspection, do you think the company agent should know this by
himself? If the loss is big enough, and especially if there's some unusual
circumstances (fire inspector's report, neighbor's claims), then the
company's lawyers have plenty of room to work in. You may have the utmost
confidence in your own workmanship, but, if the insurance company is trying
to avoid a $500k claim, all they have to do is say "no." So then what
happens? You take the insurance company to court, and they ask you about
your experience in soils engineering, concrete construction, structural
engineering, calculation of wind loading, welding certifications, experience
with lightning protection, etc. They will cut you up into very small pieces.

Everything unusual about your property should be defined, and if your agent
is still eager to sell you a policy despite your "creative engineering",
then I would start to wonder why the agent is so desperate to sell policies.

--
Ed
WB6WSN
El Cajon, CA USA

"Ed Price" wrote in message
news:Ifpye.27243$ro.18610@fed1read02...

"John" wrote in message
news:Wkmye.61939$%Z2.8135@lakeread08...
If an agent, a representative of an insurance company, sells and the
company accepts a property then anything that happens (if fortuitous, or
accidental) to that property is covered as long as it falls within the
policy language, perils insured against and property covered.

The company can't come back AFTER a loss and deny payment because of
something not defined in the policy. They can't just make it up after the
fact.

73

I'll bet that there's "language in the policy" that is sufficiently vague
and flexible such that the company can stretch a loophole for anything
that it wants. Maybe I'm too paranoid, but the insurance company expects
that an insured property is a normal and typical example of materials and
construction, and that due care was applied to the design. Further, the
property should be in compliance with local existing building codes and
standards.

If you wired half your house with lamp cord, never got a permit, and have
no record of inspection, do you think the company agent should know this
by himself? If the loss is big enough, and especially if there's some
unusual circumstances (fire inspector's report, neighbor's claims), then
the company's lawyers have plenty of room to work in. You may have the
utmost confidence in your own workmanship, but, if the insurance company
is trying to avoid a $500k claim, all they have to do is say "no." So then
what happens? You take the insurance company to court, and they ask you
about your experience in soils engineering, concrete construction,
structural engineering, calculation of wind loading, welding
certifications, experience with lightning protection, etc. They will cut
you up into very small pieces.

Everything unusual about your property should be defined, and if your
agent is still eager to sell you a policy despite your "creative
engineering", then I would start to wonder why the agent is so desperate
to sell policies.


Um ... let me guess ... you don't carry a general liability rider?
Or if you do, you were not careful to read the details?

They are not expensive, and will cover anything ... and can even
cover intentional neglegence by the owner. Every ham with a tower
(or a pool, or horses, or a big dog, or ...) should have one.

--

... Hank

http://home.earthlink.net/~horedson
http://home.earthlink.net/~w0rli

John (nospam) wrote:
If an agent, a representative of an insurance company, sells and the company
accepts a property then anything that happens (if fortuitous, or accidental)
to that property is covered as long as it falls within the policy language,
perils insured against and property covered.

The company can't come back AFTER a loss and deny payment because of
something not defined in the policy. They can't just make it up after the
fact.

sadly they can try and then it becomes a matter of Lawyers and the
roullete game that involves


73

"Rick Scott" wrote in message
...
Unfortunately, your local agent will have little or no input into any
damage or property loss claim that you may make -- that is the adjusters
and claim reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated
very quickly. Fortunate that you don't have close neighbors.

gb

Yep underwriters are more than willing to add things to make more bucks.

Getting the claim later is an all together another proposition.

Your trees will SNAP and your tower will fall down.

Sure, your antenna have little wind load, however,
how much wind load is the TOWER ?

Please inventory your gear for the ESTATE sale !

Luke

Yes trees do sway but as the photos
show they don't sway where the guys are attached.