[MassHistPres] old house insurance and windows?

[Garrett Laws]

Chris,

Any chance your agent would be willing to share incremental cost
differences for

1) historic houses
2) full replacement value
3) replacement in kind, if there is such an insurance product

Garrett Laws
Copper & Slate Co
(781) 893-1916

On Friday, December 6, 2013, Christopher Bader wrote:

> Chubb also provides full replacement cost insurance on historic houses.
>
> We have had Chubb insurance on our c.1685 house for years.  The Chubb
> agent came to our house and took lots of photos, so they knew exactly what
> they were getting into.
>
> Christopher Bader
> Chair
> Medford Historic District Commission
>
>
>
> On Thu, Dec 5, 2013 at 9:57 AM, William Moonan <william.moonan at verizon.net<javascript:_e({}, 'cvml', 'william.moonan at verizon.net');>
> > wrote:
>
>> Marilyn:
>>
>> The Chubb Insurance Company offers the "Burgee Program" to cover Yacht
>> Clubs.  The Beverly Yacht Club in Marion operates out of a building that
>> was
>> built in the late 18th Century and uses this program for coverage.  The
>> Gowrie Group is the broker for most of the clubs on the East Coast.  You
>> can
>> reach them at 860-399-2830.  Ask for Dan Cooney, who is also an officer
>> of
>> the BYC.
>>
>> This should solve your problem.
>>
>> Bill Moonan
>>
>> -----Original Message-----
>> From: masshistpres-bounces at cs.umb.edu <javascript:_e({}, 'cvml',
>> 'masshistpres-bounces at cs.umb.edu');>
>> [mailto:masshistpres-bounces at cs.umb.edu <javascript:_e({}, 'cvml',
>> 'masshistpres-bounces at cs.umb.edu');>] On Behalf Of mfenollosa
>> Sent: Wednesday, December 04, 2013 8:59 AM
>> To: masshistpres at cs.umb.edu <javascript:_e({}, 'cvml',
>> 'masshistpres at cs.umb.edu');>
>> Subject: Re: [MassHistPres] old house insurance and windows?
>>
>> And on a related note, can anyone provide names of companies in
>> Massachusetts who are comfortable with insuring historic buildings? The
>> building in question is an historic yacht club on the North Shore.
>>
>> Thanks for any recommendations!
>>
>> Marilyn Fenollosa
>>
>>
>> On 12/3/2013 6:30 PM, Karen Johnson wrote:
>> > Hello,
>> >
>> > Wondering what you think / do you know / have you heard of issue with
>> > Insurer 2 below.
>> >
>> > My house is 90 - 100 years old. Insurer 1 will not insure for full
>> > replacement value due to the age of the house. Insurer 2 will insure
>> > for replacement cost but says:
>> > "Your home is 4.64 miles from the coast; which means that xxxx would
>> > require confirmation of the installation of the windows and doors in
>> > your home and that the specifications can withstand winds in excess of
>> > 122 mph.  We would require that proof prior to ordering and completing
>> > the required pre-inspection of the property".
>> > In further correspondence I am told "homes within 5 miles to the coast
>> > in MA, tend to have more wind damage claims". That is it.
>> >
>> > Apparently I can get replacement cost insurance if I replace all
>> > windows and doors.
>> > Not intending to start emails about old windows, I will keep mine,
>> thanks.
>> > Do you see insurers as a problem for old houses?
>> >
>> > Thanks for any feedback,
>> > Karen Johnson
>> > ******************************
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>
>

-- 
Cheers,
Garrett Laws,
President

The Copper & Slate Company, Inc.
Fine Roofing and Exterior Finish Carpentry
238B Calvary Street,
Waltham, MA 02453
(781) 893-1916

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