New Garage and the Phoenix Brewery

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Straw Bale Construction... will solve your problems

 

[springer]

When you do your itemized contents list they take that list and change/keep the value you write down. Then they factor in depriciation, so you really on get 60-80% of new value or less. Make sure you go line item by line item after they do there corrections to make sure they don't hose you on some items. Brian

Not with replacement cost coverage if the item cost 100$ now you get 100$ its full replacement with no depreciation. Your scenario is for actual cash value policy where depreciation is applied


You still need to pay the deductible first if there is no subro.

 

[wildwest450]

No way am I backing out of the 09-09-09! Don't feel bad for me **** happens to people all the time. The key is to get up and keep on going.

Then where in the hell is my beer!?

 

[Warrior]

Then where in the hell is my beer!?

You should be getting it on Monday.

 

[Warrior]

Update on progress. I have not been to active here lately as I've been busy getting ready to build the new garage and brewery. Check this link to see what the old site looked like. I also have the new structure plans for the new building here. The plans are fairly close to what I had with some changes. All metal siding and roofing this time, and having the entire downstairs and 2nd floor cieling spary foam insulation. Going to build a walk in cooler under the stairs going to the 2nd floor. This will also be spray foamed insulated.

img002 - HomeBrewTalk Gallery

 

[mudog]

Dude sorry for your loss. Maybe you can put a fundraiser on the forum?

 

[Warrior]

Dude sorry for your loss. Maybe you can put a fundraiser on the forum?

No need to luckily I had insurance.

 

[Simphoto02]

Good luck on all you are going through. It sucks but like you said, nobody got hurt.

ACV clauses are a bitch. I had a serious traffic accident a few years back. Head on collision with a 17 year old kid racing his cousin and passing on a slight hill. combined impact speed of over 135 mph and we both lived. 38 broken bones and one hell of a head ache i looked over my shoulder to see fire starting from a fuel leak, dry grass and a very hot catalytic converter.
I pulled my self out and a passer by grabbed me and pulled me away from the fire as it went fully involved. Only thing was I had to leave 18,000 dollars of camera equipment in the car.
I had been paying for over 10 years on an "Inland Marine" policy that scheduled the replacement cost and the premium was set per thousand dollars of coverage. I specifically paid for a NO ACV policy (No Actual Cash Value)

Saved my ass. I sat there in a wheel chair as the adjuster looked at the charred remains of my camera equipment and asked where the rest of the scheduled items were? I handed him pics of the Wasa 1995 Jeep Cherokee and said in here.

He said OKAY, and started reading the policy. I let him read it 3 times, knowing full well what he was looking for. I said on the start of his 4th run though, "You are not going to see it." He asked "What am I looking for?" I said "ACV clause" he asked how I knew what he was looking for. I said "Look at the premium, not cheap is it? I pay to NOT have that in there." He looked up and said "I will have you a check by the end of the week. Check came on thursday. Cancellation notice came on Friday.

I was able to completely upgrade my old, and outdated equipment because i scheduled the "Suggested Retail Prices" for all my Nikon cameras and lenses. IF ANYBODY ever actually paid those prices they would be insane, but that is what the Ins. company was bound to pay me.

Sorry a bit off topic.

BTW, ALl of my wood working equipment is on an Inland Marine policy the same way my camera equipment is. Any loss and I get the scheduled figure, less the deductible.

Good luck and POST SOME PICS DUDE!!!!!

 

[Warrior]

Good luck on all you are going through. It sucks but like you said, nobody got hurt.

ACV clauses are a bitch. I had a serious traffic accident a few years back. Head on collision with a 17 year old kid racing his cousin and passing on a slight hill. combined impact speed of over 135 mph and we both lived. 38 broken bones and one hell of a head ache i looked over my shoulder to see fire starting from a fuel leak, dry grass and a very hot catalytic converter.
I pulled my self out and a passer by grabbed me and pulled me away from the fire as it went fully involved. Only thing was I had to leave 18,000 dollars of camera equipment in the car.
I had been paying for over 10 years on an "Inland Marine" policy that scheduled the replacement cost and the premium was set per thousand dollars of coverage. I specifically paid for a NO ACV policy (No Actual Cash Value)

Saved my ass. I sat there in a wheel chair as the adjuster looked at the charred remains of my camera equipment and asked where the rest of the scheduled items were? I handed him pics of the Wasa 1995 Jeep Cherokee and said in here.

He said OKAY, and started reading the policy. I let him read it 3 times, knowing full well what he was looking for. I said on the start of his 4th run though, "You are not going to see it." He asked "What am I looking for?" I said "ACV clause" he asked how I knew what he was looking for. I said "Look at the premium, not cheap is it? I pay to NOT have that in there." He looked up and said "I will have you a check by the end of the week. Check came on thursday. Cancellation notice came on Friday.

I was able to completely upgrade my old, and outdated equipment because i scheduled the "Suggested Retail Prices" for all my Nikon cameras and lenses. IF ANYBODY ever actually paid those prices they would be insane, but that is what the Ins. company was bound to pay me.

Sorry a bit off topic.

BTW, ALl of my wood working equipment is on an Inland Marine policy the same way my camera equipment is. Any loss and I get the scheduled figure, less the deductible.

Good luck and POST SOME PICS DUDE!!!!!

Building was only covered for $36,000. Luckily I'm going to be the general contractor and will save quite a bit compared to having a contractor build it for me. This was a 2,000 sq ft garage with a full 2nd floor. You can check my link which shows the drawings for the new building, that is very close to what I had. Most of the contents were under my homeowners policy and yes I had replacement value. They will give me depreciated value for anything that I don't replace. Once I buy it new they will give me the difference.

 

[Warrior]

Good luck on all you are going through. It sucks but like you said, nobody got hurt.

ACV clauses are a bitch. I had a serious traffic accident a few years back. Head on collision with a 17 year old kid racing his cousin and passing on a slight hill. combined impact speed of over 135 mph and we both lived. 38 broken bones and one hell of a head ache i looked over my shoulder to see fire starting from a fuel leak, dry grass and a very hot catalytic converter.
I pulled my self out and a passer by grabbed me and pulled me away from the fire as it went fully involved. Only thing was I had to leave 18,000 dollars of camera equipment in the car.
I had been paying for over 10 years on an "Inland Marine" policy that scheduled the replacement cost and the premium was set per thousand dollars of coverage. I specifically paid for a NO ACV policy (No Actual Cash Value)

Saved my ass. I sat there in a wheel chair as the adjuster looked at the charred remains of my camera equipment and asked where the rest of the scheduled items were? I handed him pics of the Wasa 1995 Jeep Cherokee and said in here.

He said OKAY, and started reading the policy. I let him read it 3 times, knowing full well what he was looking for. I said on the start of his 4th run though, "You are not going to see it." He asked "What am I looking for?" I said "ACV clause" he asked how I knew what he was looking for. I said "Look at the premium, not cheap is it? I pay to NOT have that in there." He looked up and said "I will have you a check by the end of the week. Check came on thursday. Cancellation notice came on Friday.

I was able to completely upgrade my old, and outdated equipment because i scheduled the "Suggested Retail Prices" for all my Nikon cameras and lenses. IF ANYBODY ever actually paid those prices they would be insane, but that is what the Ins. company was bound to pay me.

Sorry a bit off topic.

BTW, ALl of my wood working equipment is on an Inland Marine policy the same way my camera equipment is. Any loss and I get the scheduled figure, less the deductible.

Good luck and POST SOME PICS DUDE!!!!!

Offically started the rebuild today, damn I remeber why I hate Masonary work. It's been 18 years since I helped tend for block laying and it's hard work. Of course it was the hottest and muggiest day of the year. The Mason laid 400 block today, 100 more tomorrow and the block will be done. Hopefully the new slab will be done this Friday. Pictures should follow sometime this week of the foundation.

 

[stevea1210]

Mike, I'm sorry that I had missed this. When I was talking to you about your walkin at home brew club, I had no idea this was the reason.

This occurred while I was moving, and wasn't on HBT for a little while. I also missed may and Junes home brew cub meetings.

I'm sorry this happened, And I'm glad to see it bing resurrected. Phoenix is the perfect name for the brewery. If I can do anything to help, let me know.

 

[android]

congrats! can't wait to see it.

 

[Warrior]

Updated photos are in my gallery.

 

[Warrior]

Mike, I'm sorry that I had missed this. When I was talking to you about your walkin at home brew club, I had no idea this was the reason.

This occurred while I was moving, and wasn't on HBT for a little while. I also missed may and Junes home brew cub meetings.

I'm sorry this happened, And I'm glad to see it bing resurrected. Phoenix is the perfect name for the brewery. If I can do anything to help, let me know.

Not to worry it's coming together again.

 

[Ryan_PA]

Updated photos are in my gallery.

Holy crap man. That thing is gonna be big. Looks to be fairly fireproof too.

 

[Warrior]

Holy crap man. That thing is gonna be big. Looks to be fairly fireproof too.

It's going to be the same size as it was. The block is only going up two feet above the new slab. It's going to be all metal siding and roofing this time. Much longer exposure time till it would start burning!

 

[Warrior]

Block work is all done. New stone for the slab comes Thursday. If weather permits new slab on Friday.

 

[Warrior]

Block work is all done. New stone for the slab comes Thursday. If weather permits new slab on Friday.

Rain on Wednesday night postponed my slab pour for today. The cement truck needs to come thruogh my neighbors yard and it's to soft. Ordered a cement pumper truck for Monday, that way the slab will be poured without driving over my neighbors yard. It'll cost me about $375 more but the Amish crew shows up next Fri, can't gamble on the rain.

 

[Ryan_PA]

Ah... turf the neighbors lawn. He burnt your old shed down.

 

[Warrior]

Ah... turf the neighbors lawn. He burnt your old shed down.

No that was the neighbor on the other side of my house.

 

[stevea1210]

No that was the neighbor on the other side of my house.

Than your just "paying it forward" when you turf his lawn.

 

[Warrior]

Slab is all done, Fri Amish Crew shows up. The Phoenix is starting to rise again!

 

[Warrior]

Beginning of day Two. Built all the walls yesterday, and starting to set the floor trusses.

 

[Warrior]

 

[Warrior]

 

[Warrior]

 

[Warrior]

 

[Warrior]

 

[Warrior]

End of Day Two. All floor trusses and 2nd floor plywood in place. I'll cut the stringers for the steps and finish them tomorrow. Amish crew will be here Monday and we'll start the roof trusses.

 

[stevea1210]

Looks awesome Mike. How was the crew with you photographing them, since the Amish don't like those graven images and all?