johnch

I just got done BSing and shooting with my insurance agent. He was told me that after 9-11 some insurance compamys (not mine) are classifying even a pound of BP an explosive and will cancel a policy or not cover a fire loss even if it was not the cause . He did not say witch company .Just some thing to think about / ask your agent.

mauser06

hmmmm thanx for bringing it up......we are getting new insurance and if they come to inspect ill definently get rid of all my BP........ill talk to dad about it...i dont know if they are inspecting the house or already did or what......thanx alot.......dont see how its explosive.......unless its under pressure and ignited its fine......but i guess they dont see it that way.....

bigbulls

Isnurance companies are a bunch of crooks any how. You pay all that money into it and when it comes time to actually use it they will drop you like a bad habit and then you get a bad score when you need to find new insurance no one else wnats you.[:@][:@][:@][:@]

Who gave them the right to classify something as explosive or not when the BATF does not classify it as explosive. They don't have the authorith to classify something as explosive or not. I think if this actually happend to someone they could go to court and win that one.

kevin1

Fellas ,
keeping ANY kind of powder in the house ain't the smartest thing you can do . [&:]

Tomster

I agree with Kevin, but where do you keep your powder? Buried in the back yard? In a shed, where it's damp? Who stores gas in their garage? I have a 325 gallon tank of propane near my house, which I use to heat my house. If that ever blew, the house would be leveled.

I have less of a concern over properly stored BP or gas, than I do about that big tank I got out side. A little fire, an kapow, all is lost.

I store my BP in a tool box. All BP has electrical tape surrounding the cap to prevent moisture from getting in. I know in PA many people also reload their own bullets, how many houses were lost due to this type of explosion? The only ones I have heard about came from fireworks factories.

What do you guys think?

Tom

cayugad

It is just another manner in which an insurance company will find a loop hole if a loss occurs so they do not have to pay, or can offer the person less money then they are entitled to. Insurance companies are the biggest scam in this country today. You have to have it or if something does happen or some one takes you to court, your financially ruined.

What are we supposed to do, build a powder bunker in the back yard? Of course we would have to insure that because if the neighbor kid broke into it and blew the neighborhood up, it would be our fault there also....

Face it guys.... when it comes to insurance companies, you can't win...

Nordicthug

Black Powder is somewhat less dangerous than gasoline. At least it doesn't have fumes to spread out onto the floor.

Go have a chat with your fire dept. The most dangerous things in a house fire are aerosol cans. Especially now with enviromental regs forcing manufacturers to use highly flammable butane or propane instead of fire suppressing freon as propellants. An aerosol can is now a mini fuel-air bomb and highly explosive and dangerous.

Instead of the Mother Of All Bombs, we've all got a dozen or so Daughters Of All bombs in our kitchens, bathrooms and basements.

Make a "magazine" for your BP. Nail up (no glue or adhesive) a simple box out of 1" plywood with a decent pair of hinges and a sturdy hasp and shackle to allow it to be locked with a good padlock. The plywood will sheild things from fire for about an hour or so and the padlock will keep little fingers out of the goodies. Mine is in the garage under my computer room against a "1 hour" outside wall. It's also unpainted and unmarked. I never keep more than 10 lbs of BP. I keep my smokeless powders, percussion caps and primers in a similar but separate "magazine."

Nordicthug