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second_decimal

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Aaaand It’s not over yet.. just for reference and not to be a harbringer of bad news about all the solar winds hacks and that stuff, if you wondered how that even matters, now you have a taste. If the power plants from the grid can be compromised and shut off (overloaded to physically damage equipment) this is what happens. Worse, if the incident spreads to other supply chains at the same time (think credit card processing at the gas pump and things like that) things could get hairy pretty quick. That’s what war in the 21st Century looks like.
 

Cody

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Has anyone ever tried to file tank loses with home owners insurance? I am VERY lucky and will have to make a claim for flooring tiles that popped and cracked and thought about putting my tank loses on the claim as well.


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My brother was saying that I could very well do that. I’d have to check with my hone insurance though.
 

Erin

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Even with the comforter wrapped mine tank still dropped to 67 Tuesday morning. CA869655-A0E9-4AB0-B97A-BC960A2933E4.jpeg
Yeah, Monday night was rough... I had the generator ready for the heaters.
 

gregg

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Yeah my agent had put them down as property instead of pets or animals. So I guess you can find some loop holes here and there.
The thing is that your agent is not going to be the one who appraisers your loss. They sell you the policy but that’s about it. Animals are not covered under a home owners policy unless you get a rider and that’s usually only for businesses and are very costly. If they cover your claim then you are truly blessed and should spread the word.
 

mittens

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The thing is that your agent is not going to be the one who appraisers your loss. They sell you the policy but that’s about it. Animals are not covered under a home owners policy unless you get a rider and that’s usually only for businesses and are very costly. If they cover your claim then you are truly blessed and should spread the word.

Business policy doesn’t cover livestock lol. I made my agent look high and low. No one covers it.


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Erin

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Business policy doesn’t cover livestock lol. I made my agent look high and low. No one covers it.


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“Business policy” meaning a tank in an office? Because if you are in the business of selling fish/coral (or breeding dogs, cats, cattle, or anything else), you can absolutely get coverage for loss of livestock.
 

mittens

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“Business policy” meaning a tank in an office? Because if you are in the business of selling fish/coral (or breeding dogs, cats, cattle, or anything else), you can absolutely get coverage for loss of livestock.

I need to incorporate my tanks then. Yes business policy as in within an office.


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Erin

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The thing is that your agent is not going to be the one who appraisers your loss. They sell you the policy but that’s about it. Animals are not covered under a home owners policy unless you get a rider and that’s usually only for businesses and are very costly. If they cover your claim then you are truly blessed and should spread the word.
Right. Just like anything else, I’m sure there’s some part of the industry that will cover animals, but it’s going to cost a LOT! (And it is completely separate from your homeowners policy)
 

Erin

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I need to incorporate my tanks then. Yes business policy as in within an office.


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Then, no, that won’t be covered any more than if you decided to have an office pet.
 

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Well what you are going through is not the worst. I have not gone through one but in the late 90's there was a bad one in extreme north east U.S..South .Eastern Ontario and South West Quebec. It is called an ice storm. It is when you get a heavy rain then it slowly turns to ice. And lots of ice. Power lines and those big steel power transmission towers come tumbling down. It is a real mess with loss of power as well.
 

Erin

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Right. Just like anything else, I’m sure there’s some part of the industry that will cover animals, but it’s going to cost a LOT! (And it is completely separate from your homeowners policy)
Edit: after looking into this online, the only real “pet insurance“ I can find is for live pets’ veterinary bills, etc - and one or two do seem to cover fish (like one specific fish, not your whole tank). Other than that, you’d be looking for pet life insurance, which mostly seems to cover pet funeral costs, not replacement.
So basically, we’re on our own.
 

Erin

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Well what you are going through is not the worst. I have not gone through one but in the late 90's there was a bad one in extreme north east U.S..South .Eastern Ontario and South West Quebec. It is called an ice storm. It is when you get a heavy rain then it slowly turns to ice. And lots of ice. Power lines and those big steel power transmission towers come tumbling down. It is a real mess with loss of power as well.
I’m sorry, but this is not a helpful comment. Maybe you were trying to cheer us up by pointing out that others have more serious problems, but the degree of misery is not the issue.
 

DAreefer

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Well what you are going through is not the worst. I have not gone through one but in the late 90's there was a bad one in extreme north east U.S..South .Eastern Ontario and South West Quebec. It is called an ice storm. It is when you get a heavy rain then it slowly turns to ice. And lots of ice. Power lines and those big steel power transmission towers come tumbling down. It is a real mess with loss of power as well.
I moved to Houston from Boston, i know what it’s like dealing with this type of natural disaster. a few years ago we dealt with a historic blizzard thst accumulated over 8 feet of snow. But it’s a whole different situation down here as none of the infrastructure was built for this type of weather. With that being said, not a very helpful comment as there are so many people struggling... I don’t have good recommendation as i’m fairly new to the hobby, can only report my own situation.
 

DAreefer

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By the way, not sure if it’s a bad idea but a buddy if mine suggested to boil some of the tank water to 80-90 degrees and slowly pour it back to raise the temp in the tank. Obviously do it wisely... hopefully it may help.. also i heard autozone is still selling 500w inverter for 70 bucks
 
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