Rack and Ruin

[KeithT]

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.

 

[Madman]

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]

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]

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.
View attachment 261561View attachment 261562View attachment 261563View attachment 261564

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.

 

[Rhinochugger]

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

 

[idlemarvel]

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.

 

[Greg Elmassian]

so Keith, what happened? Was it a storm that was stronger than the securing of the track?

Greg

 

[Paul M]

Such a shame, but as Jon said, I'm sure most of it will salvageable

 

[Rhinochugger]

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

 

[Greg Elmassian]

So Keith is in "Nr Manchester" which assume is "near"?

 

[KeithT]

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]

So Keith is in "Nr Manchester" which assume is "near"?

Yes, I am in Sale now a part of Greater Manchester.

 

[Greg Elmassian]

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

 

[KeithT]

In some places they recorded 93mph - that's pretty breezy

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]

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]

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. ;-)

 

[KeithT]

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]

Worst storm for a decade. They just complain more down South. ;-)View attachment 261661

Tomorrow we get the delights of storm Dennis. (

 

[PhilP]

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!

 

[KeithT]

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.