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Pricing lost plants from the fire

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Pricing lost plants from the fire

Post  chocolatepop on 7/12/2010, 11:01 pm

this is friggin hard. seriously. But i have to do if for insurance and I'm not even sure if they'll pay . i keep thinking to myself "no way are they going to pay".i keep thinking to myself "no way are they going to pay". I'm partially guessing also, I havent even made it to the tomatoes and peppers which are going to be $ because most were they were speciality and the size (most were about 18" or more tall).

This is hard!!
HELP!


Last edited by chocolatepop on 7/12/2010, 11:13 pm; edited 1 time in total

chocolatepop

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Re: Pricing lost plants from the fire

Post  boffer on 7/12/2010, 11:11 pm

Hi,

I'm assuming you're making out a list for the insurance company. Does the policy pay for replacement value or for the lost potential income?

I'm with you-that is a tough list to make.

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Re: Pricing lost plants from the fire

Post  chocolatepop on 7/12/2010, 11:33 pm

@boffer wrote:Hi,

I'm assuming you're making out a list for the insurance company. Does the policy pay for replacement value or for the lost potential income?

I'm with you-that is a tough list to make.

IDK, maybe if our insurance adjuster would CALL US BACK.

IDK even how to start calculating that since I'm not a real business, just selling for the farmers market

I mean, at the local nursary a $3 for a tomato plant that is like 8" tall and mine were much larger than that.

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Re: Pricing lost plants from the fire

Post  Megan on 7/13/2010, 6:53 am

Is it based on per plant, or on dollar value of future crop lost? A wheat farmer would not look at per stem, but the tons of wheat she would grow per square acre, or some such.

You might want to check with your local agricultural extension office. I'd be willing to bet they have some experience with this...or could point you to someone who does.

Hugs!!

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Re: Pricing lost plants from the fire

Post  jtwenting on 7/13/2010, 7:26 am

Never looked into it, but most insurance policies would likely not cover anything at all, unless maybe you had a specific clause put in covering plants.

I'm pretty sure that were my house to burn down the insurance company wouldn't cover replanting the garden, at most they'd cover replacing the patio and wooden fencing.

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Re: Pricing lost plants from the fire

Post  silverbug on 7/13/2010, 7:33 am

A really large, established tomato plant here can sell for $7-$10 a piece depending on the size and variety. I would assume that the insurance claims guy would be the one with the answers. I hope he calls you back soon.

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Re: Pricing lost plants from the fire

Post  Retired Member 1 on 7/13/2010, 9:28 am

Home insurance is probably not going to pay for future potential earnings, but should pay for the plants themselves since they were in the house when it burned. If you have replacement coverage, then figure out how much it would have cost you to purchase the plants from an established nursery. I saw some Bonnie tomato plants that were fairly large (6" pots, I think) going for $3.98. Even though these were not heirlooms, that is a provable cost and the insurance would be likely to go with it.

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Re: Pricing lost plants from the fire

Post  jtwenting on 7/13/2010, 10:20 am

not necessarilly. Plants in the garden aren't in the house, and most policies don't cover the garden (or even a pot on the patio) because it's not in the house, technically (they're insurance companies, next to lawyers and politicians among the worst scumbags with the legal power to do what they do).

And even if they were in the house, no doubt there's some scale they'd use (if they're covered at all and not under some excemption) that grants you a fixed amount per plant you can prove you had at the time of the fire irrespective of what it actually was (or did you keep the receipts for all those plants and can produce them, complete with proof that they were destroyed in the fire and in perfect health before?), an amount no doubt derived from the cheapest possible plants you can get at a yard sale.

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Re: Pricing lost plants from the fire

Post  Retired Member 1 on 7/13/2010, 1:02 pm

@jtwenting wrote:not necessarilly. Plants in the garden aren't in the house, and most policies don't cover the garden (or even a pot on the patio) because it's not in the house, technically.


These WERE in the house, not the garden -- she had a fire and lost all her seedlings she was raising in the house. See this post: http://squarefoot.creatingforum.com/outside-the-box-f40/where-to-purchase-rare-tomato-plants-t2274.htm

Plus here in the States most homeowner policies will cover adjacent structures and a certain amount for outside vegetation. I was reimbursed for two trees when a hurricane took them down (and took the roof off the house as well).


Last edited by belfrybat on 7/13/2010, 1:07 pm; edited 1 time in total

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Re: Pricing lost plants from the fire

Post  elliephant on 7/13/2010, 1:05 pm

Just want to offer my condolences for the fire. I must have missed that post. We had a housefire 4.5 years ago...5 days before our first baby was born. Such an emotional week!

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Re: Pricing lost plants from the fire

Post  Chopper on 7/13/2010, 2:47 pm

Most insurance companies are going to look at what you see as a loss and make you a lowball offer hoping that any money will look better than none. Their job is to pay out as little as possible. You might look to see if there is anyone who can act as your advocate. Your insurance company is not your friend.

As for the veggies, actual worth - replacement value is likely what they are talking about. Do not lowball - they will do that for you.

To me this part is harder than the fire itself. Tedious paperwork makes me crazy. So sorry for the magnitude of the loss, and so grateful it was all "things".

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Re: Pricing lost plants from the fire

Post  chocolatepop on 7/13/2010, 4:01 pm

ugg, you all are so right. If I post my losses, can you guys help me with pricing??? I really have no clue were to start :'( I mean I lost a cabinet, I know I can go to lowes and get a like cabinet for XXX dollars. but there is quite a difference in the price of an 18" rarer heirloom mater versus a bonnie ya know?

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Re: Pricing lost plants from the fire

Post  chexmix on 7/13/2010, 5:39 pm

Sorry about the fire. Insurance companies are a pain in the a$$. My suggestion would be go to some of the websites that sell the plants/seeds that you had and ask them what it would cost to replace the seed/plant. I would think rareseeds.com would be a great starting place. Contact them and see if you can find someone willing to help. Heirlooms are special and sometimes very difficult to come by.

They also have a forum and people there might could help as well. This will give you a guide plus it would also give you information from a company to give to the insurance adjuster since they will probably not have an idea either.

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Re: Pricing lost plants from the fire

Post  Retired Member 1 on 7/13/2010, 6:18 pm

Try these folks. Their tomatoes are smaller than yours were, but perhaps if you e-mail them, they will be able to suggest a price structure to use.

http://www.selectedplants.com/

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Re: Pricing lost plants from the fire

Post  martha on 7/13/2010, 10:14 pm

I plan on stopping by my favorite nursery tomorrow and will look at their prices. Please refresh my memory, what vegetables you had besides tomatoes.

When pricing, make sure you factor in that yours were large SEVERAL MONTHS AGO, which would have added to their value, IMO.

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Re: Pricing lost plants from the fire

Post  chocolatepop on 7/14/2010, 12:07 am

@martha wrote:I plan on stopping by my favorite nursery tomorrow and will look at their prices. Please refresh my memory, what vegetables you had besides tomatoes.

When pricing, make sure you factor in that yours were large SEVERAL MONTHS AGO, which would have added to their value, IMO.

I think that is the biggest thing I'm having trouble equating is size.

Here is a newer list
Peppers I have under control


beans

Asparagus

beans

dragon tongue

beans

red kidney

beans

roma

cole

Catskill

cole

romanesco

cole

purple cauliflower

flowers

butterfly flower

flowers

chinese lantern

flowers

coleus

flowers

columbine

flowers

cosmos

flowers

four o'clock

flowers

moonflower

flowers

hollyhocks

flowers

lupine

flowers

marigold

flowers

nasturtium

flowers

sunflower-chianti

flowers

sunflower-evening sun

flowers

sweet pea

flowers

zinnia

flowers

dwarf jewel-nasturtium

flowers

snapdragon

herbs

basil-dwarf

herbs

catnip

herbs

chamomile-german

herbs

cilantro

herbs

oregano

herbs

basil-genovese

lettuce

arugala

lettuce

baby star-romaine

lettuce

iceberg

lettuce

grand rapids

lettuce

green ice

lettuce

romaine

lettuce

speckles

lettuce

tom thumb

melon

blacktail

melon

charentais

melon

evening dew

melon

honeydew

melon

sugar baby

Pepper

balloon

Pepper

big jim

Pepper

black pearl

Pepper

chinese 5 color

Pepper

long thin cayenne

Pepper

verigated striped

pumpkin/squash

Big Max

pumpkin/squash

Butternut hybrid

pumpkin/squash

cucuzzi

pumpkin/squash

delicata

pumpkin/squash

golden spineless

pumpkin/squash

luffa sponge

pumpkin/squash

Spaghetti

pumpkin/squash

styrian

pumpkin/squash

sweet kikuza

Root

walla walla

Spinach

bloomsdale

spinach

melody

tomato

banana legs

tomato

black cherry

tomato

black brandywine

tomato

black plum paste

tomato

carbon

tomato

cherokee chocolate

tomato

cherokee purple

tomato

currant

tomato

japanese truffle

tomato

kelloggs

tomato

orange banana

tomato

paul robeson

tomato

pineapple

tomato

roma

tomato

sungold cherry

tomato

white cherry

tomato

yellow pear

tomato

zebra

other

celery-tall utah

other

fennel-florence

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Re: Pricing lost plants from the fire

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