Lock up the lawn equip!!!

[Raymond]

Originally Posted by Shawn Braquet

there is a personal articles policy through statefarm that allows you to insure anything cheap (my wife sells for statefarm). I have my tractor, laptop, and big screen tv listed under it just to make sure its covered. And i have a policy on my fourwheeler also but its a different kind of policy.

Good answer Shawn, every insurance company sells personal articles "Floater" policies that cover bikes,lawn mowers, jewlery, ect. If the article is used in a profession such as lawn equipment, they are not personal but "Commercial" and would need an equipment floater. I would be willing to bet that after the adjuster started the claim he found out the equipment was used in your friends profession with the wrong coverage. Have your friend call the adjuster and offer to pay any back premium difference there may be if he will pay the claim. It will be very important for him to not threaten or get irate with the adjuster, killem with kindness is what I always tell my clients. Adjusters get threatened on a daily basis with bodily harm and suit so they have been there done that, it does not scare them one bit.
Let us know how this plays out.