Date   
Re: Loss Protection for our freight cars.

Donald B. Valentine
 

    Yes and no, fellows. Model railroad equipment can be scheduled the same way the jewelry, fine arts, cameras and firearms are often covered if you want the best insurance for them. I suspect that at least some 
of you have experience with jewelry floaters on your HO-3 or HO-4 Homeowners Insurance. Such coverage always requires an initial appraisal by someone qualified to provide it to establish the value at which items are covered.When it comes to hobby items one insurance provider might have a different idea of what qualifies a person to be such an appraiser than another but it is still not difficult. With things such as I have addressed here, like jewelry and cameras in particular, such coverage can be a godsend because the degree of coverage
is much more broad. The stone from my mother's wedding ring came out some years ago but I had added a scheduled jewelry floater to my folk's Homeowners coverage as their agent. By blind dumb luck mother found the stone on her bedroom rug. Thus the insurance carrier replaced the original stone with one of the same weight and quality, repairing her ring in the process, took the found stone to have it recut for salvage and everyone was happy. Similarly my father dropped a camera some years ago which was also covered under a special articles floater. The cost to repair the camera was roughly $120 which was fully covered by the extension of coverage that these floaters provide. Having retired in 2006 after nearly 40 years in the commercial casualty & property insurance business I have not kept up on all the changes. But in my active years the 
so-called Chubb deductible of $1000 on a Homeowners policy reduced the price an average of 20%. In those years the use of the special articles floater also eliminated the deductible for the items that were scheduled and the coverage was good any place in the world when traveling. Scheduling a couple hundred pieces of motive power and rolling stock, not to mention putting a value on a layout itself, is not all that difficult once it has been done initially and may be something for some of you to seriously consider. I would also recommend using an independent insurance agency who can choose the best company he or she represents to get you the best coverage at the best price rather than fooling around with direct writers like State Farm (sorry Tony) or Nationwide who can only offer you one company's product.

Happy New Year to all, Don Valentine

Re: Tichy trains

Tim O'Connor
 


obviously misspelled - train not trains


Has anyone got an email address for Tichy trains as there contact email on the website is not accepting emails neither is info@... it says that they are illegal domains.

Thanks Paul Doggett

Re: [EXTERNAL] Re: Re: M3 stuarts on Soo Line flat car in Ci

Layout Tour
 

Thanks for the link.  I love the roof on the B&O box almost directly across from the SOO flat.  It probably didn’t last much longer after the war.  Deferred maintenance took its toll.

Chuck Davis

Norfolk VA

Re: Estate Planning/Was Loss Protection for our freight cars.

bongiovanni12001
 

Apologies for dragging this out.  A few years ago we developed a clinic on Estate Planning for Model Railroaders, and I ended up giving it at several conventions, including the National here in Cleveland.  It's distressingly popular (a lot of us are getting older).  We developed this clinic because we heard just too many stories like the widow who sold the brass for $75 each, or, worse, the guy who never told his wife how much he actually spent, and shortly after his demise one of his "really good friends" offers his widow $500 and is happy to take all those silly trains(like $20K worth) out of his basement.  

I just uploaded, or I think I uploaded, the handout for the clinic to the Files.  Also, if you Google "Estate Planning for Model Railroaders", the NMRA has a clinic that's on their website.  For a lot of you this is common sense.  And I'll admit up front that it sort of focuses on brass, but absolutely not entirely.  The comment in the handout about $3.00 plastic cars does not apply to that perfectly assembled Westerfield kit--but you do have to think about what that car is really worth to someone else on the open market.  But I'd like to give you some bullet points here.

1)Have an inventory; a realistic inventory.  An inventory that someone else can understand and locate the "stuff".  Two samples of an inventory are in the handout.  They are just samples.  

2)Discuss the inventory with your insurance agent--your experiences are clearly going to vary
.
3)Discuss the issue with your probable survivors, so that they have some realistic idea of what it's worth (I've seen this go both ways), and know who to contact, who to not even let in the house, and understand the relationship between time and money--like is it worth it to take less money and get rid of the whole shootin match, or go to train shows for three years. 



Frank Bongiovanni


New file uploaded to STMFC

STMFC@...
 

Hello,

This email message is a notification to let you know that
a file has been uploaded to the Files area of the STMFC
group.

File : /_ESTATE PLANNING HANDOUT alt.doc
Uploaded by : bongiovanni12001 <bongiovanni1@...>
Description : Handout for Estate Planning Clinic

You can access this file at the URL:
https://groups.yahoo.com/neo/groups/STMFC/files/_ESTATE%20PLANNING%20HANDOUT%20alt.doc

To learn more about file sharing for your group, please visit:
https://help.yahoo.com/kb/index?page=content&y=PROD_GRPS&locale=en_US&id=SLN15398

Regards,

bongiovanni12001 <bongiovanni1@...>

Railroad Prototype Modelers-Valley Forge

prr282
 

Railroad Prototype Modelers-Valley Forge  2018 Is coming up soon, March 23-25, 2018.  The location is the same great one as in the past, The Desmond Hotel in Malvern, PA.(about 20 miles west of Philadelphia and convenient to the PA Turnpike and US 202),  Over 50 different clinics will be presented, along with a vendors room, models display room, operating sessions, and a home layout tour.


Please visit our web site for full information: www.rpmvalleyforge.com

There you will find a list of vendors, timetable, hotel information, and a registration form.


                                Paul Backenstose

                                Chairman

One more on the block

Clark Propst
 

https://www.ebay.com/itm/112728501062?ul_noapp=true


I see a couple easy repairs I need to do to this model. I'm running out of freights to part with....


Thanks for looking,

Clark Propst


Re: [EXTERNAL] Re: Re: M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)

Gatwood, Elden J SAD
 

CLASSIFICATION: UNCLASSIFIED

Thanks, Gary!

The PRR gon at near left is a G27. The giveaway is the three shorter ribs between two full depth ribs at each end of the fishbelly.

Thanks again for providing this; fabulous photo!

Elden Gatwood

-----Original Message-----
From: STMFC@... [mailto:STMFC@...]
Sent: Tuesday, January 2, 2018 11:47 AM
To: STMFC@...
Subject: RE: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)



Here it is:



Blockedhttps://www.american-rails.com/images/WWMILWSpud.jpg



Gary Laakso

Unable to attend Cocoa Beach so someone gets an extra chocolate chip cookie!



From: STMFC@... [mailto:STMFC@...]
Sent: Tuesday, January 2, 2018 8:38 AM
To: STMFC@...
Subject: RE: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)





CLASSIFICATION: UNCLASSIFIED

Gang;

I am sorry, where is this photo? Anyone got a link?

Thanks!

Elden Gatwood

-----Original Message-----
From: STMFC@... <mailto:STMFC@...> [mailto:STMFC@...]
Sent: Saturday, December 30, 2017 9:41 AM
To: STMFC@... <mailto:STMFC@...>
Subject: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo



Bruce and Greg,

I believe that Pennsy gon is a G27. The rib arrangement doesn't match the G26. G27s were 52'6" IL. The car is also visibly shorter in length than the 65' NYC car in the background, and the G26 class was a 65' car.

You guys are Pennsy modelers, correct? ;-)

Regards,
Bob "GN fan" Heninger
Minot, ND


CLASSIFICATION: UNCLASSIFIED


CLASSIFICATION: UNCLASSIFIED

Re: [EXTERNAL] Re: Re: M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)

gary laakso
 

Here it is:

 

https://www.american-rails.com/images/WWMILWSpud.jpg 

 

Gary Laakso

Unable to attend Cocoa Beach so someone gets an extra chocolate chip cookie!

 

From: STMFC@... [mailto:STMFC@...]
Sent: Tuesday, January 2, 2018 8:38 AM
To: STMFC@...
Subject: RE: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)

 

 

CLASSIFICATION: UNCLASSIFIED

Gang;

I am sorry, where is this photo? Anyone got a link?

Thanks!

Elden Gatwood

-----Original Message-----
From: STMFC@... [mailto:STMFC@...]
Sent: Saturday, December 30, 2017 9:41 AM
To: STMFC@...
Subject: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo



Bruce and Greg,

I believe that Pennsy gon is a G27. The rib arrangement doesn't match the G26. G27s were 52'6" IL. The car is also visibly shorter in length than the 65' NYC car in the background, and the G26 class was a 65' car.

You guys are Pennsy modelers, correct? ;-)

Regards,
Bob "GN fan" Heninger
Minot, ND


CLASSIFICATION: UNCLASSIFIED

Re: [EXTERNAL] Re: Re: M3 stuarts on Soo Line flat car in Cincy photo (UNCLASSIFIED)

Gatwood, Elden J SAD
 

CLASSIFICATION: UNCLASSIFIED

Gang;

I am sorry, where is this photo? Anyone got a link?

Thanks!

Elden Gatwood

-----Original Message-----
From: STMFC@... [mailto:STMFC@...]
Sent: Saturday, December 30, 2017 9:41 AM
To: STMFC@...
Subject: [EXTERNAL] Re: Re: [STMFC] M3 stuarts on Soo Line flat car in Cincy photo



Bruce and Greg,

I believe that Pennsy gon is a G27. The rib arrangement doesn't match the G26. G27s were 52'6" IL. The car is also visibly shorter in length than the 65' NYC car in the background, and the G26 class was a 65' car.

You guys are Pennsy modelers, correct? ;-)

Regards,
Bob "GN fan" Heninger
Minot, ND


CLASSIFICATION: UNCLASSIFIED

Re: Tichy trains

Paul Doggett <paul.doggett2472@...>
 

Hi Fenton 

Will do thank you.

On Tuesday, January 2, 2018, 3:12 pm, O Fenton Wells srrfan1401@... [STMFC] wrote:

 


On Tue, Jan 2, 2018 at 8:30 AM, Paul Doggett paul.doggett2472@... [STMFC] <STMFC@...> wrote:
 

Has anyone got an email address for Tichy trains as there contact email on the website is not accepting emails neither is info@... it says that they are illegal domains.

Thanks Paul Doggett UK 🇬🇧





--
Fenton Wells
250 Frye Rd
Pinehurst NC 28374
910-420-8106
srrfan1401@...

Re: Tichy trains

O Fenton Wells
 

On Tue, Jan 2, 2018 at 8:30 AM, Paul Doggett paul.doggett2472@... [STMFC] <STMFC@...> wrote:
 

Has anyone got an email address for Tichy trains as there contact email on the website is not accepting emails neither is info@... it says that they are illegal domains.

Thanks Paul Doggett UK 🇬🇧





--
Fenton Wells
250 Frye Rd
Pinehurst NC 28374
910-420-8106
srrfan1401@...

Tichy trains

Paul Doggett <paul.doggett2472@...>
 

Has anyone got an email address for Tichy trains as there contact email on the website is not accepting emails neither is info@... it says that they are illegal domains.

Thanks Paul Doggett UK 🇬🇧

FS: 2 Intermountain R-40-23 Steel Reefer Kits

pennsylvania1954
 


FS: Intermountain HO: 2 PFE style R-40-23 steel reefer kits. #40502-18 Northern Pacific and #40525-12 URTX/Dubuque. Opened for inspection only. My plan was to strip and repaint in a PFE scheme but they are now excess to my needs. $23 for both, postpaid. Paypal Friends & Family or check. stevehprr “at” cox “dot” net .


Steve Hoxie

Pensacola FL

Re: Loss Protection for our freight cars.

Tim O'Connor
 


True, although all the resin freight cars sold in the last 30 years probably
don't add up in numbers of kits to some single models such as the Intermountain
cylindrical covered hopper. Most of my built models are not resin, especially
the ones I've upgraded.

As several people have said, and I know from personal experience, a LOT depends
on your insurer. It's best to avoid losses in the first place! :-)

Tim O'Connor



Well, Brass Trains has been selling both Sunshine kits and completed resin kits by Westerfield and Sunshine.  Their data base documents value and they are selling railroad books, too. 
 
Gary Laakso


In general, it's market value or msrp, but you have to be able to document it.
Since that's hard to do with a model you've built, you're pretty much stuck with
the cost of the parts, not labor. But after you account for paint, decals, trucks,
couplers, wheels, and extra details, it may be worth more than you expected!

Tim O'

One of the things I don't recall seeing mentioned is whether or not the insured
value will include just the kit (if kit-built) or the cost of having someone build and paint it.
Carl Gustafson

Re: Cool Weather Warm Food at CCB Prototype Rails 2018

Larry Smith
 

31 in Mobile at 5 PM.  South not expected to get out of this until next Monday.   9 tonight in Birmingham with wind chill below 0.

Larry Smith

Re: Cool Weather Warm Food at CCB Prototype Rails 2018

Schuyler Larrabee
 

Couldn’t agree more, Ted. Suburban Boston now, 8:32 PM, it’s 5 degrees, and heading to zero or negative territory tonight. Got all the way up to 11 degrees today.



I WANT SUN!



Schuyler



From: STMFC@... [mailto:STMFC@...]
Sent: Monday, January 01, 2018 2:59 PM
To: STMFC@...
Subject: [STMFC] Re: Cool Weather Warm Food at CCB Prototype Rails 2018





Maybe for you. The high today is 15F and that actually feels warm compared to yesterday. High 50s to low 60s sounds downright tropical.



I’ll be packing shorts....

Ted Culotta

Speedwitch Media

speedwitchmedia@... <mailto:speedwitchmedia@...> - www.speedwitchmedia.com <http://www.speedwitchmedia.com/>

Blog: http://prototopics.blogspot.com <http://prototopics.blogspot.com/>
[Non-text portions of this message have been removed]

Re: Loss Protection for our freight cars.

James SANDIFER
 

Have you heard about the woman who was selling her husband’s O scale brass at a train show. All of the engines were $75.  Someone asked her why so low a price and she responded, “Well, he said he only paid $75 for them.”  J 

 

 

J. Stephen Sandifer

 

From: STMFC@... [mailto:STMFC@...]
Sent: Sunday, December 31, 2017 8:00 PM
To: STMFC@...
Subject: [STMFC] Re: Loss Protection for our freight cars.

 

 

Tony Thompson and all,

That is interesting. I have State Farm homeowners insurance, and I called about my large collection of freight cars (twice).

They said it was not covered as it was a special hobby collection, and that I would need additional coverage.

So, to me, those conflicting answers indicates special diligence is needed.

 

Along the same lines – make sure you have a disposition plan should you get hit by a bus. My wife knows not to toss my collection it the dump, but ideally, it would go to a better cause. One guy recently passed his large collection to the NP Railway Historical Association – family gets half of the proceeds, NPRHA gets the other half for selling it.

 

Dean ONeill

Redmond WA

 

Re: Loss Protection for our freight cars.

Jon Miller
 

On 1/1/2018 3:32 PM, Tim O'Connor timboconnor@... [STMFC] wrote:
Since that's hard to do with a model you've built, you're pretty much stuck with
the cost of the parts, not labor

    There are custom builders out there who could probably recreate your layout (from the pictures).  Whether insurance would cover that or not might be questionable.

-- 
Jon Miller
For me time stopped in 1941
Digitrax  Chief/Zephyr systems, 
SPROG, JMRI User
NMRA Life member #2623
Member SFRH&MS

Re: Loss Protection for our freight cars.

gary laakso
 

Well, Brass Trains has been selling both Sunshine kits and completed resin kits by Westerfield and Sunshine.  Their data base documents value and they are selling railroad books, too. 

 

Gary Laakso

Northwest of Mike Brock

 

From: STMFC@... [mailto:STMFC@...]
Sent: Monday, January 1, 2018 3:32 PM
To: STMFC@...
Subject: Re: [STMFC] Loss Protection for our freight cars.

 

 


In general, it's market value or msrp, but you have to be able to document it.
Since that's hard to do with a model you've built, you're pretty much stuck with
the cost of the parts, not labor. But after you account for paint, decals, trucks,
couplers, wheels, and extra details, it may be worth more than you expected!

Tim O'

One of the things I don't recall seeing mentioned is whether or not the insured
value will include just the kit (if kit-built) or the cost of having someone build and paint it.
Carl Gustafson