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re: Trampoline - Insurance related

Posted on 12/7/22 at 8:24 pm to
Posted by jorconalx
alexandria
Member since Aug 2011
10708 posts
Posted on 12/7/22 at 8:24 pm to
quote:

I’ll be switching regardless.


I work in the business, wait til you pay the extrA 400 and they tell you to get rid of the trampoline or be cancelled ??
Posted by VanRIch
Wherever
Member since Sep 2007
11520 posts
Posted on 12/7/22 at 8:25 pm to
People are pussies
Posted by Grinder
Member since Nov 2007
2493 posts
Posted on 12/7/22 at 8:27 pm to
How trashy are you? Get rid of the trampoline.
Posted by AmosMosesAndTwins
Lake Charles
Member since Apr 2010
19013 posts
Posted on 12/7/22 at 8:29 pm to
quote:

So are diving boards and water slides


Have both and had no issue. Have since added a trampoline.
Posted by Tiger Prawn
Member since Dec 2016
25207 posts
Posted on 12/7/22 at 8:36 pm to
Ain’t many options in the current insurance market. If you switch to the new company for $400 more (assuming they’re ok with you having a trampoline), they’re still going to come out and inspect and may find some other ticky tack issue that they may have a problem with. I’d just get rid of the trampoline. You’re putting yourself at risk for getting sued anytime your kids have friends over, which is why insurers frown upon trampolines to begin with.
Posted by TDFreak
Coast to Coast - L.A. to Chicago
Member since Dec 2009
9006 posts
Posted on 12/7/22 at 8:45 pm to
quote:

my wife is not having it.
She sounds selfish. I think there’s a thread about that happening on Page 1 or 2.
Posted by Gee Grenouille
Bogalusa
Member since Jul 2018
7583 posts
Posted on 12/7/22 at 8:47 pm to
quote:

Downvote all y’all want, this is the truth.


Not sure why someone would downvote you on medical insurance seeking payment from home owners. Friend of mine was returning a ladder to my in-laws after we used it in our hunting club. When he lifted the ladder it unholstered his old 22 revolver, which fell to the ground and fired a round into his calf. Cops got called by the emergency room since a gun was involved. Health insurance got a copy of the police report and asked friend for more info on my in-laws. He had to tell his health insurance that the officer had it wrong, it was my in-laws ladder but the incident didn’t happen at their house.

Side note to this story. When the cops started asking questions I refused to answer anything, just sat there ignoring them. When the deputy asked me friend why I ignored them, he said “cause he’s smarter than me”. Never tell the police shite when they can twist an accident into a crime.
Posted by momentoftruth87
Your mom
Member since Oct 2013
86110 posts
Posted on 12/7/22 at 8:56 pm to
Negligent discharge is kind of a big deal …
Posted by Jumpinjack
Member since Oct 2021
6485 posts
Posted on 12/7/22 at 9:09 pm to
Tell them it's a canopy for midgets.
Posted by Xanthus
Member since Dec 2021
273 posts
Posted on 12/7/22 at 9:18 pm to
quote:

And we wonder why kids are fat and soft


Fat and soft kids is not because of the lack of trampolines or diving boards. Get your kids out on the land hunting and fishing. Teach them to work, the land and waters.
Posted by c0rndogs
Member since Nov 2019
81 posts
Posted on 12/7/22 at 9:28 pm to
I'm in the market for insurance and I've been getting quotes. They have all asked me about a trampoline and we have one. The fact that it has a safety net around it, it's in a fenced yard, and the kids are supervised when they're on it and none of them have ruled out my coverage.
Posted by mikelbr
Baton Rouge
Member since Apr 2008
49004 posts
Posted on 12/7/22 at 9:33 pm to
quote:

Trashy




Dude on Street View as of March 2022, you have a basketball goal half in your driveway and half in the street with a sack of Quikcrete weighing it down.

Why you gotta be so mean??
This post was edited on 12/7/22 at 9:35 pm
Posted by madamsquirrel
The big somewhere out there
Member since Jul 2009
55048 posts
Posted on 12/7/22 at 9:38 pm to
please tell me that is true

My trampoline story- kids asked for one and I said no. Middle child told me I was the only parent who ever used the word liability.
Posted by nola tiger lsu
Member since Nov 2007
6970 posts
Posted on 12/7/22 at 9:50 pm to
quote:

You’re putting yourself at risk for getting sued anytime your kids have friends over, which is why insurers frown upon trampolines to begin with.


This. Not hard to understand. Get rid of it.
Posted by Obtuse1
Westside Bodymore Yo
Member since Sep 2016
30041 posts
Posted on 12/7/22 at 9:51 pm to
quote:

Dude on Street View as of March 2022, you have a basketball goal half in your driveway and half in the street with a sack of Quikcrete weighing it down.

Why you gotta be so mean??




I like you as a poster but I'll be damned if I ever want you to know who the hell I am.
Posted by tgrbaitn08
Member since Dec 2007
148031 posts
Posted on 12/7/22 at 9:58 pm to
quote:

Dude on Street View as of March 2022, you have a basketball goal half in your driveway and half in the street with a sack of Quikcrete weighing it down.


Lol

No I don’t. I have a basketball goal in my driveway that was for my son when he was a kid and we put a couple of sand bags that was leftover from keeping our pool house from flooding on the back of it bc he and his grown arse friends kept dunking and bringing it down

It’s not half on the street and half in the driveway, you’re a dumbass. It’s in the driveway dumbfrick
This post was edited on 12/7/22 at 10:02 pm
Posted by Crimson1st
Birmingham, AL
Member since Nov 2010
20832 posts
Posted on 12/7/22 at 10:02 pm to
quote:

Insurance company took over my policy after the previous one left La after Ida. Came out and took pics and got a notice that I had to remove trampoline or be dropped. They want me to provide a picture proving it's been removed. How likely are they to actually come back out and check if it's been moved or not? Good idea or not? I have another company I can go with, but will be paying about $400 more


There are a few considerations. Usually if a trampoline is fenced the insurance carrier is ok with it or if you live in a really rural area where the trampoline can’t be seen from the road nor any neighboring houses. If you play a game of cat and mouse with them, they might not seek you out later(some carriers do rechecks randomly) BUT if an incident were to happen you will probably be sans coverage and they darn sure won’t renew you.

Is the need for a trampoline this important? Is it in a fenced off area completely?
Posted by Crimson1st
Birmingham, AL
Member since Nov 2010
20832 posts
Posted on 12/7/22 at 10:04 pm to
quote:

it's in a fenced yard


Here is your key…and why they won’t rule out your coverage…
This post was edited on 12/7/22 at 10:05 pm
Posted by soccerfüt
Location: A Series of Tubes
Member since May 2013
72975 posts
Posted on 12/7/22 at 10:04 pm to
quote:

I like you as a poster but I'll be damned if I ever want you to know who the hell I am.
This.

mike, you definitely make this place better.
Posted by HerkFlyer
Auburn, AL
Member since Jan 2018
3211 posts
Posted on 12/7/22 at 10:04 pm to
quote:

Well as soon your kid’s friend (or even a cousin) breaks a bone playing on your trampoline, that parent is gonna get the questionnaire related to the claim. They say it happened at someone else’s property and their health insurance company will then file a claim with that property owner’s homeowners insurance policy. That’s when your company finds out you have a trampoline.


This is the real problem.

Your options are to either accept the risk above or find a new insurer that will write the trampoline.

I'd say keep the damn thing and only let my kids on it, but that's easier said than done.
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