Rack and Ruin

KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
Once I had a rack railway but last night it went to its maker. :((
I wonder if my house insurance will cover it? It ought to.
136EF27F-429F-4617-9290-0534B74F2513.jpeg 3FE837D8-A377-4A1C-B9F6-EC44BE9259EE.jpeg C1956B0D-2445-4993-BEC5-3E5B3E845EA8.jpeg 97D5C66D-FC80-4344-B576-F28E33A6A67F.jpeg
 
Madman

Madman

Registered
25 Oct 2009
13,776
Pennsylvania, USA
Was the damage caused by the storm you guys had ? By all means give the insurance company a call. You have nothing more to lose.
 
ebay mike

ebay mike

Retired, but still hoarding. (GOF)
6 Dec 2011
3,276
Norfolk - edge of nowhere.
T
Was the damage caused by the storm you guys had ? By all means give the insurance company a call. You have nothing more to lose.
That's a matter of opinion Don. We had a small leak which was traced to the flashing between a flat roof and the main building. I rang the insurance company to enquire if it was covered. Their response was 'you need to submit a claim to establish that'. I said I only want to know if it's covered but they insisted they couldn't tell me. I duly complied with the request only for it to be declined. Come renewal date, the premium had increased significantly. When I asked why I was told it was because I had made a claim. Despite me arguing I was told to do that because they couldn't answer a simple question, they wouldn't back down. So much for Direct Line and Mr Wolff . Result - policy cancelled and new cover found. Changed my motor insurance too.
 
dunnyrail

dunnyrail

DOGS, Garden Railways, Steam Trains, Jive Dancing,
25 Oct 2009
17,832
72
St.Neots Cambridgeshire UK
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Rhinochugger

Rhinochugger

Retired Oik
27 Oct 2009
28,200
North West Norfolk
Yeah, unfortunately the principal objective of most insurance companies is to avoid paying out.

The house insurers wriggled out of my daughter's bathroom claim - mainly because she didn't contact them the instant it occurred. So, hey, we all shop around for the cheapest quote, and then wonder why they are so expert at avoiding payment :worried::worried::worried:
 
idlemarvel

idlemarvel

Neither idle nor a marvel
13 Jul 2015
2,294
Ascot
Agreed. It's not so much we want to spend our time finding cheapest premiums, it's that if you don't they treat you like mugs and up the annual premium for no reason. Same for gas, electricity, etc.
 
P

Paul M

Registered
25 Oct 2016
5,280
57
Royston
Such a shame, but as Jon said, I'm sure most of it will salvageable
 
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Rhinochugger

Rhinochugger

Retired Oik
27 Oct 2009
28,200
North West Norfolk
so Keith, what happened? Was it a storm that was stronger than the securing of the track?

Greg
In some places they recorded 93mph - that's pretty breezy :mask: :mask:
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
so Keith, what happened? Was it a storm that was stronger than the securing of the track?

Greg
Hi Greg It was storm Ciara, 90mph winds in some areas. The most damaging gusts are small tight spirals. I was once blown 18” into the air along with 7 others of a walking group. 5 of us were injured and one died a few days later. He had pacemaker and his heart was obviously too fragile to cope with the shock.
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
In some places they recorded 93mph - that's pretty breezy :mask: :mask:
I know of someone who was flying from NZ to Manchester for urgent specialised eye surgery, the plane made 3 abortive attempts to land, there are videos somewhere, it was then diverted to Frankfurt as the closest safe airport. The following morning after getting up at 4:20am she was sitting on the plane when one engine was pronounced u/s. Four hours later they took off arriving a total of 48hrs late and missing her appointment. Fortunately, the consultant arranged to see her next day and operate immediately afterwards.
Makes my demolished railway small beer.
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
I feel your pain. Certainly looks like some of the baseboards trashed but I bet the LGB will mostly be recoverable. Give it a good once over after you get it off the remains of the boards and I bet much will be recoverable with a little TLC.
There were obv’ some weak points, it has been in situ for 10yrs+. I have felled 5 adjacent trees recently which meant that it was not sheltered. For a while I had been toying with the idea of re-jigging it. Back to the drawing board.
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
WOW! Never realized you would get storms like that!

I just read up on it, you call it a storm, but was there any cyclonic action?

Looks like it hit worst near London of all places.

Greg
Worst storm for a decade. They just complain more down South. ;-) DDB18103-F5A2-4E6A-A102-6C1EACF28422.jpeg
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
T
That's a matter of opinion Don. We had a small leak which was traced to the flashing between a flat roof and the main building. I rang the insurance company to enquire if it was covered. Their response was 'you need to submit a claim to establish that'. I said I only want to know if it's covered but they insisted they couldn't tell me. I duly complied with the request only for it to be declined. Come renewal date, the premium had increased significantly. When I asked why I was told it was because I had made a claim. Despite me arguing I was told to do that because they couldn't answer a simple question, they wouldn't back down. So much for Direct Line and Mr Wolff . Result - policy cancelled and new cover found. Changed my motor insurance too.
I found Direct Line to be obtuse(kind word) and changed my car insurance as a consequence. A pity because years ago they were outstandingly good. I think, that they were taken over several years ago possibly by Swinton
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
PhilP

PhilP

G Scale, 7/8th's, Electronics
5 Jun 2013
26,535
Tamworth, Staffs.
Tomorrow we get the delights of storm Dennis. :((
So, bins and rubbish, all over the place?

Just like when Dennis, and crew, come down the road every fortnight! :giggle::giggle:

1581542295584.png
 
KeithT

KeithT

Hillwalking, chickens and - err - garden railways.
24 Oct 2009
13,052
Nr Manchester
An inspection reveals that the reason for the blow down is that all the treated timber below ground has simply rotted. It lasted well over 10yrs so I can hardly complain.
As was predicted the LGB components with the exception af a single UV affected rack rail are completely undamaged despite being twisted hard.
Time to redesign.