Insurance on state cabin - The HuntingPA.com Outdoor Community
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post #1 of 26 (permalink) Old 10-09-2018, 12:55 AM Thread Starter
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Insurance on state cabin

I went up to our cabin 2 weeks ago with my father to put out trail cameras and check on camp. Everything seemed normal. Then went up this past thursday into Friday with a buddy to check cameras and scout for deer when we came across a burnt down cabin. It definitely was not burnt down the week before. On our way home we called the sproul state office and reported it. They had no clue. Couple days later the cabins owner called my buddy and the dcnr or state fire Marshall determined it was arson. I checked with my treasurer about our insurance and he said we didn't have any due to no electric ran to the building and he thinks because it has a stone foundation. I was wondering if anyone could help me out and let me know if there is a insurance company that they know of that would insure this state lease cabin even if it's for fire damage for $30k.
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post #2 of 26 (permalink) Old 10-09-2018, 08:02 AM
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What part of Sproul was the burnt cabin in ? I hadnít heard anything about it.
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post #3 of 26 (permalink) Old 10-09-2018, 09:30 AM
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The problem with insurance on these type of cabins is that it is hard to get them to insure them for the true cost to rebuild if anything would happen. We had a policy on ours which was destroyed by wind shear last year, but it was impossible to rebuild for the policy payout.
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post #4 of 26 (permalink) Old 10-09-2018, 09:58 AM
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Originally Posted by ryanlefever View Post
The problem with insurance on these type of cabins is that it is hard to get them to insure them for the true cost to rebuild if anything would happen. We had a policy on ours which was destroyed by wind shear last year, but it was impossible to rebuild for the policy payout.

Then you had it underinsured.
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post #5 of 26 (permalink) Old 10-09-2018, 10:02 AM
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bobcat85 I suggest you pm dce, he is an insurance agent. If anyone here can help you Doug can
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Last edited by Woods walker; 10-09-2018 at 10:05 AM.
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post #6 of 26 (permalink) Old 10-09-2018, 10:26 AM
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And the problem with those leases not being properly insured is you can not sell the lease without a cabin on the lot. You have nothing to sell! Better have proper insurance.
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post #7 of 26 (permalink) Old 10-09-2018, 10:28 AM
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Originally Posted by bobcat85 View Post
I went up to our cabin 2 weeks ago with my father to put out trail cameras and check on camp. Everything seemed normal. Then went up this past thursday into Friday with a buddy to check cameras and scout for deer when we came across a burnt down cabin. It definitely was not burnt down the week before. On our way home we called the sproul state office and reported it. They had no clue. Couple days later the cabins owner called my buddy and the dcnr or state fire Marshall determined it was arson. I checked with my treasurer about our insurance and he said we didn't have any due to no electric ran to the building and he thinks because it has a stone foundation. I was wondering if anyone could help me out and let me know if there is a insurance company that they know of that would insure this state lease cabin even if it's for fire damage for $30k.
anything can be insured.... you may just not like the premiums
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post #8 of 26 (permalink) Old 10-09-2018, 10:34 AM
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Originally Posted by Steely Ran View Post
Then you had it underinsured.
Ryanlefever is right. Most insurance companies will not insure a cabin to its Replacement Cost due to the risk of loss. Most will only insure them to Actual Cash Value, which by definition is the Replacement Cost minus depreciation. So, in the event of a loss, you get a depreciated amount. This isn't true in all cases, but it is in most.
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post #9 of 26 (permalink) Old 10-09-2018, 10:37 AM
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That may be, but it is sure better than bearing the entire rebuild costs.
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post #10 of 26 (permalink) Old 10-09-2018, 10:42 AM
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Originally Posted by Woods walker View Post
That may be, but it is sure better than bearing the entire rebuild costs.
he could pay you to patrol cabin and scare off any suspicious persons....lol
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