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Joined: Jun 2005
Posts: 412 Likes: 4
Sidelock
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Sidelock
Joined: Jun 2005
Posts: 412 Likes: 4 |
I also have been fixing gunstocks or replacing them. The customer dictates what will be done. Yes, a replacement is nice. But, if need be it may be fixed and made usable. The cost of the fix in man hours is close to the cost of a new stock in some cases. I also build new stocks.
Dennis Earl Smith/Benefactor Life NRA, ACGG Professional member
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Joined: Feb 2004
Posts: 13,883 Likes: 19
Sidelock
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Sidelock
Joined: Feb 2004
Posts: 13,883 Likes: 19 |
More to the point, who packed it? You can pretty much be assured that any carrier will drop your package from some height from 3ft to 10ft or more. Pack it for that eventuality and pay the extra cost of shipping of heavier package. It's cheap insurance.
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Joined: Jul 2010
Posts: 707
Sidelock
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Sidelock
Joined: Jul 2010
Posts: 707 |
Let me repeat advice I took off this forum:
Eastern Insurance Fine Arms Insurance (Google it)
$330 a year per $100,000 in coverage. Small deductible. No scheduling required until the item exceeds $10,000. Only thing they don't cover is theft from an unlocked car.
Don't let this stuff happen to you guys again, get insured! (I no longer insure my packages because good insurance is cheaper than the do-nothing insurance provided by UPS and FedEx for a fortune!)
From an appraisal standpoint, you have a double loss here.
1. Loss One. Cost to cure the defect. The restock and wood.
2. Loss Two. Loss to collectible value / originality from the cure in point #1.
Hypotheticals here, but if the gun was worth $10,000 originally, it is now worth $4000. Put in $6000 and it probably would be worth $9000. So the cure would be -$6000 plus the -$1000 loss to originality. A $7000 hit in the end, in this hypothetical scenario.
Get insured, it makes the sorrow more tolerable when you have bad things happen to you!
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Joined: Feb 2004
Posts: 13,883 Likes: 19
Sidelock
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Sidelock
Joined: Feb 2004
Posts: 13,883 Likes: 19 |
RH,
Do you have any experience, or know of, claims with this insurer and how they worked out?
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Joined: Jul 2010
Posts: 707
Sidelock
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Sidelock
Joined: Jul 2010
Posts: 707 |
Hi Chuck,
Several people on this board will chime in I'm sure, as they are the largest specialty gun insurer out there.
I didn't follow through with a claim but I called to get one in process awhile back. I had a damascus Mortimer get damaged in shipping and I called and told them what had happened and the cost to cure. They said "okay, we'll process right away" to which I responded "give me 30 days because I want to see if the shipper will take on the liability so as to not require me to follow a claim".
In the end, I didn't complete the claim with Eastern but the experience was positive and my agent responded immediately. (A guy named Jack that runs the overall program for Eastern)
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