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Homeowners insurance and powder

Discussion in 'Shooting Related Threads' started by Seth Bagwell, Dec 23, 2009.

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  1. Seth Bagwell

    Seth Bagwell TS Member

    Joined:
    Nov 30, 2009
    Messages:
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    Anybody know of anything in the homeowners policy about storing gunpowder, primers, etc in your house? Specifcally Farm Bureau?
     
  2. Royce10

    Royce10 TS Member

    Joined:
    Jan 29, 1998
    Messages:
    113
    Read your policy. Exclusions are listed there. Every homeowner should read their policy front to back. Boring, but informative. Any questions about the legal speak in it, ask your agent.
     
  3. superxjeff

    superxjeff Active Member

    Joined:
    Jan 29, 1998
    Messages:
    3,781
    None that I know of. The feds have laws that pertain to how much and how it must be stored. It's ( The federal guidlines) part of every Allient cheepie powder manual I have seen in the last 10 years or so. You can only carry so many pounds in a car as well. Most guys who make a group buy and pack home components are in violation of Federal laws pertaining to how much you can carry. It's not very darn much in a car. I want to say 25 or 35 pounds? Jeff
     
  4. Catpower

    Catpower Molon Labe TS Supporters

    Joined:
    Jan 29, 1998
    Messages:
    10,236
    Location:
    In the Cabana
    Amen to what Royce said, Oct 1 we had a tornado come through our farm, we had always insured all the buildings (7) and contents, but the premium kept skyrocketing, so the last time we renewed, we told the lady to take off the contents, as they were metal buildings, and they are full of very heavy machine tools, it would take a very well equipted thief to take it.

    It was on Oct 1 about 30 minutes after the storm cleared that we found out she took all the building except the house off the policy, my wife never read the policy, just sent them a check, oh that is a very touchy subject, it demolished one 6000 sq shop
     
  5. BIGDON

    BIGDON Well-Known Member

    Joined:
    Jan 29, 1998
    Messages:
    6,624
    Location:
    Michigan
    Catpower: If the error is on her part then your buildings should be covered, she should carry "Errors and Ommissions" coverage. This is to cover her mistakes, a simple letter from your attorney should start the process.

    Don
     
  6. scott calhoun

    scott calhoun Well-Known Member

    Joined:
    Jan 29, 1998
    Messages:
    1,413
    Location:
    Chicago area
    This is from the Hodgdon reloading guide (available on their website). Sorry if the format is not very good, it was a cut/paste.

    14.3 Smokeless propellants

    14.3.1 Quantities of smokeless propellants not exceeding 11.3 kg (25 lb) in shipping
    containers approved by the U.S. Department of Transportation shall be permitted to be
    transported in a private vehicle.

    14.3.2 Quantities of smokeless propellants exceedin 11.3 kg (25 lb), but not exceeding
    22.7 kg (50 lb), transported in a private vehicle shall be transported in a portable magazine
    having wood walls of at least 25.4 mm (1 in.) nominal thickness.

    14.3.3 Transportation of more than 22.7 kg (50 lb) of smokeless propellants in a private
    vehicle shall be prohibited.

    14.3.4 Commercial shipments of smokeless propellants for small arms that has been
    classed in Division 1.3 shall be permitted to be reclassed as Division 4.1 flammable solid
    for transportation purposes for shipment by motor vehicle, rail car, vessel, or cargo-only
    aircraft, subject to the conditions stated in the U.S. Departmant of Transportation 49 CFR
    173.171.

    14.3.5 Commercial shipments of smokeless propellants exceeding 45.4 kg (100 lb) or
    not packaged in accordance with the regulations cited in 14.3.4 shall be transported in
    accordance with the U.S. Department of Transportation regulations for Division 1.1 or 1.3
    explosives.

    14.3.6 Smokeless propellants shall be stored n shipping containers specified by U.S.
    Department of Transportation “Hazardous Materials Regulations.”

    14.3.7 Quantities

    14.3.7.1 Smokeless propellants intended for personal use in quantities not exceeding 9.1
    kg (20 lb) shall be permitted to be stored in original containers in residences.

    14.3.7.2 Quantites exceeding 9.1 kg (20 lb), but not exceeding 22.7 kg (50 lb), shall be
    permitted to be stored in residences where kept in a wooden box or cabinet having walls of
    a t least 25.4 mm (1 in.) nominal thickness.

    14.3.8 Not more than 22.7 kg (50 lb) of smokeless propellants, in containers of a 0.45
    kg (1 lb) maximum capacity, shall be displayed in commercial establishments.

    14.3.9 Commercial stocks of smokeless propellants shall be stored as follows:
    (1) Quantities exceeding 22.7 kg (50 lb), but not exceeding 45.4 kg (100 lb), shall be
    stored in portable wooden boxes having walls of at least a 25.4 mm (1 in)
    thickness.
    (2) Quantities exceeding 45.4 kg (100 lb), but not exceeding 363 kg (800 lb), shall be
    stored in nonportable storage cabinets having walls of at least 25.4 mm (1 in)
    thickness.
    (3) Not more than 181 kg (400 lb) shall be permitted to be stored in any one cabinet,
    and cab inets shall be separated by a distance of at least 7.63 m (25 ft) or by a
    fire partition having a fire resistance of at least 1 hour.
    Quantities exceeding 363 kg (800 lb) but not exceeding 2268 kg (5000 lb) shall be
    permitted to be stored in a building, provided the following requirements are met:
    (a) The warehouse or storage room shall not be accessible to unauthorized
    personnel.
    (b) Smokeless propellants shall be stored in nonportable storage cabinets
    having wood walls of at least 25.4 mm (1 in.) thickness and having shelves
    with no more that 0.92 m (3 ft) of separation bebween shelves.
    (c) No more than 181 kg (400 lb) shall be stored in any one cabinet.
    (d) Cabinets shall be located against the walls of the stroage room or warehouse
    with at least 12.2 m (40 ft) between cabinets.
    (e) The separation between cabinets shall be permitted to be reduced to 6.1 m
    (20 ft) where barricades twice the height of the cabinets are attached to the
    wall, midway between each cabinet.
    (f) The barricades shall extend at least 3 m (10 ft) outward, shall be firmly
    attached to the wall, and shall be constructed of 6.4 mm (1/4 in) boiler plate,
    51 mm (2 in.) thick wood, brick, or concrete block.
    (g) Smokeless propellants shall be separated from materials classified by the
    U.S. DOT as flammable liquids, flammable solids, and oxidizing materials
    by a distance of 7.63 m (25 ft) or by a fire partition having a fire resistance of
    at least 1 hour.
    (h) The building shall be protected by an automatic sprinkler system installed in
    accordance with NFPA 13, Standard for the Installation of Sprinkler Systems.
    (5) Smokeless propellants not stored in accordance with 14.3.9(1) through 14.3.9(4)
    shall be stored in a Type 4 magazine constructed and located in accordance with
    Chapter 9.
     
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