Originally Posted by
Sport_Pilot
Read your policy! It is a common exclusion.
No it's not. Untrue, incorrect, wrong. False. In the context you are trying to twist and spin to fit your "point", there is no such exclusion.
Originally Posted by
Sport_Pilot
Wrong, nearly all policy's have an exclusion for airplanes. Before model airplanes were not considered airplanes, now thanks to the FAA they are.
Well duh, of course they do. They are insuring a home and the insured's for negligence, not aircraft. They also don't cover autos in HO policy. Duh again. At best what you are trying to do is read the word airplane literally, and applying what you think is common sense, based on what the FAA said. So let's take that to the extreme and see if your logic holds out. An "airplane" as defined by the FAA doesn't have to be registered until it's over what weight? So lets take a 6 ounce foamy, no reg required. Does that mean it's no longer an "airplane" because the FAA said it didn't have to be registered? Of course not.
Stop already with the silly word games, nobody is buying it. This is all you interpreting a word, an FAA reg, and a HO policy and trying to draw a conclusion from that.
Originally Posted by
Sport_Pilot
Here is a typical paragraph from a homeowners policy. Per FAA model airplanes are now aircraft.
2. Property Not Covered. We do not cover:
a. articles separately described and specifically insured
in this or any other insurance;
b. animals, birds or fish;
c. any engine or motor propelled vehicle or machine,
including the parts, designed for movement on land.
We do cover those not licensed for use on public
highways which are:
(1) used solely to service the insured location; or
(2) designed for assisting the handicapped;
d. devices or instruments for the recording or reproduction
of sound permanently attached to an engine or
motor propelled vehicle. We do not cover tapes,
wires, records or other mediums that may be used
with these devices or instruments while in the vehicle;
e. aircraft and parts;
Are you doing this to try to drive a point home? You're conclusion is completely absent logic. You created an answer, then backed into the question.
Your carrier or agent did not exclude this from their standard policy, it absolutely didn't happen. There is no filing on record with the state requesting this modification, nor to ISO. Who is your carrier, and when did they do this? If you have something in writing from them, you literally have the golden ticket to a massive settlement, and if they sent it to others you can be the lead in a huge class action suit. Run, don't walk to an attorney.