Date   

Re: Loss Protection for our freight cars.

Tony Thompson
 

My agent explained to me that hobby and other "special" home contents are common and only require some documentation. But extraordinary items like valuable art can require a rider because they are outside the norm. Obviously your agent makes a call whether your layout etc. is "extraordinary" or not.
Tony Thompson 


On Dec 31, 2017, at 7:23 PM, Tim O'Connor timboconnor@... [STMFC] <STMFC@...> wrote:

Reply via web post Reply to sender Reply to group Start a New Topic
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.

.


Re: Cool Weather Warm Food at CCB Prototype Rails 2018

np328
 

  It is like it has always been, six of one/half a dozen of the other on the weather. 

     As someone from balmy Minnesota, I get a kick out of seeing Floridian's in parka's while I and the wife are in casual clothes in sunny 60 something degree weather. And the quizzical looks we get. Such is life. Enjoy it while you are above ground. 

    I am heading down with the wife to South Beach as in the past that seems to be a casual days drive after CCB, and we like the coast highway. Then down to the keys for a few days. I cannot recommend this highly enough as an after CCB treat.

    Meanwhile as you sit in the warmth of the keys, you can pull out your model railroad car acquisitions and/or open one of the railroad books bought at CCB.  
                                                                                                                        Jim Dick - St. Paul 


Re: Cool Weather Warm Food at CCB Prototype Rails 2018

Ted Culotta
 

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....


Re: Loss Protection for our freight cars.

William Canelos
 

My son has USAA insurance replacement cost.  Had a big hail storm which destroyed his roof damaged the siding gutters and some wood trim,  It also destroyed his very large outdoor g scale railroad including all the buildings(about 32), 17 freight cars, and smashed the ties out of the rails, and 27 switches and very expensive number six switches.  No custom items like we make.   The adjuster came out and told him to list every item and show a catalog or advertised MSRP retail price for each item. it was a total pain, but they paid off every item at full msrp price. He made out fine and I collected all the building parts that were still ok or which could be epoxied and fixed up about half of them  or kitbashed some into completely different things. The freight car bodies were not repairable, but the trucks and metal wheels were fine excep for a couple of side frames.  Also many other parts were salvaged.  Most of the rails were ok, but none of the switches were worth trying to repair, but most of the motors were salvaged.  We were able to buy replacement ties and save 85%of the rail.  So financially he made out great,  but the repairs were time consuming and it took about 4 months to get thing back to normal(sort of).

So the point is that there was nothing special about these items and documentation was readily available, so he got paid off well.   For custom items like we make it would be difficult to find a comparable item.  Even if we documented the cost of adding detail parts, original kit price, trucks and couplers etc.  It would be completely time consuming to do it and keep all the receipts etc. for each of our many items.  Also we would never be able to get reimbursement for our research and labor.  I have a headache thinking about it.  A piece of jewelry can be appraised, but a custom freight car?????   Perhaps the group could look into getting an NMRA master model railroader to becoming an appraiser!!

I have USAA and they indicated that custom work is extremely difficult to insure for the reasons stated above.

since I am very new to the site I may have missed some of the posts in this thread.

Bill





Share a room at Cocoa

Jared Harper
 

I will be attending Prototype Rails in Cocoa Beach.  Because of health issues I will be arriving Thursday afternoon and will be leaving saturday evening.  If you need a room for two days contact me.

Jared Harper
Athens, GA
706-543-8821


Re: Accurail "Scale" Coupler Boxes

golden1014
 

Hi Andy,
Don't sweat it, buddy.  Thanks to many generous fellows on this list I have a lifetime supply on the way.  I do greatly appreciate the follow up.
Glad to hear you made it through the fires okay.  Christmas and New Year's Blessings to you and your family.
John Golden
Albersbach, Germany


Re: Loss Protection for our freight cars.

Carl Gustafson
 

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


Loss protection for our freight cars

Paul Catapano
 

I have insured my collection. My company is State Farm.
My basic home owners policy will NOT cover my collection. I discussed my hobby AT LENGTH with my agent. I brought him into the layout room. So often when you tell non model railroaders about what you do they have no idea what the reality is.

Once he visited the layout room and work shop, he then devised a standard template, for lack of a better term, for me to describe each piece in the collection.

I gave him a copy of the Walther's catalog and he accepted its published values for things like add-on detail parts (couplers, wheels, roofwalks etc.)

(This car cost this much, it has replacement wheels that cost that much, it has couplers that cost "x", the detail parts described as follows cost such and such. The decals cost "y"... etc, etc...)

Then we took pictures of the collection. Group photos were good enough, but I experimented with different number of cars in each photo. The initial photo of 450 black coal hoppers didn't seem to work with this guy. About twenty cars at a time seem to be best for me and my agent.

It took time. It was a big effort on my part (AND my Wife).
Once you get the bulk done then you simply have to add to it as the collection grows (They never seem to shrink).

Like most of you I have been doing this a LONG time, and you will probably surprise yourself with the dollar value you come up with. It WILL be much higher than you initially estimate.

Paul Catapano
Winchester, Va.


Re: Loss Protection for our freight cars.

Jon Miller <atsfus@...>
 

On 12/31/2017 7:23 PM, Tim O'Connor timboconnor@... [STMFC] wrote:
But of course I'm sure it
varies from state to state,

    Some ad on TV states " I should have had a different insurance company".  When one buys insurance they should determine if it covers your model RR including all the freight cars be they resin or plastic.  You might just want to hunt for one that does!:-)

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


Re: Painting of freight car trucks for builders

Dennis Storzek
 

Trucks were bought as parts, because there were umpteen sources of parts other than the basic castings. The same foundry might supply both side frames and bolsters, OR the customer may have ordered bolsters from a third party, such as Simplex. Springs aren't castings, and came from a different vendor; same with brake components. Bearings, dust guards, and journal covers were other specialties. Wheels and axles came from a different supplier yet. 

It was up to the builder to source all these specialties and assemble them.

Dennis Storzek


Re: Loss Protection for our freight cars.

Jared Harper
 

Keep in mind that not all insurance companies are the same.  It helps greatlt to have pictures of all you stuff.

Jared Harper


Re: Loss Protection for our freight cars.

Jared Harper
 

We had a house fire in 2013.  We had replacement coverage and everything burned and damaged in the fire was replaced, no hassle, including art.  Fortunately the model railroad was relatively undamaged but our insurance  would have covered it.

Jared Harper
Athens, GA


Painting of freight car trucks for builders

spsalso
 

When trucks were deliver to a builder (ACF, Pullman........), were they delivered assembled and painted?  If so, were they delivered in only one color paint?  What color?


Or.


Were trucks delivered to a builder as parts, to be assembled there?  Were the parts delivered painted?  Color?





Thank you,



Ed


Edward Sutorik


Re: Loss Protection for our freight cars.

Jon Miller <atsfus@...>
 

On 12/31/2017 7:23 PM, Tim O'Connor timboconnor@... [STMFC] wrote:
I remember that jewelry was especially
expensive to insure, probably because of the risk of theft and loss.

    I helped a person out who wanted to sell a ring.  The appraised value of the ring was 13K however the highest price a jeweler would pay was 3K (wholesale).  I paid a little over the 3k and insured it with a rider for 3K.  Still was expensive but you can see the problem with jewelry.

    I don't think we have that kind of problem with model RR equipment as almost everything we have could be replaced with at least a similar item.  And then I have some stories about home burglary and insurance replacement!:-D

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


Cool Weather Warm Food at CCB Prototype Rails 2018

Bill Welch
 

Looks like it will "long pant weather" at CCB for those ten Freight Car themed clinics and the two Steam Era Weathering clinics coming at the end of this week. Just a reminder that on the Prototype Rails 2018 website there is a PDF with Dining Recommendation from attendees familiar with the possibilities.


Bon Appetite,

Bill Welch


Re: BAR, or not?

Richard Townsend
 

I think you are right on all counts. I mentioned the Marhoefer car only to show a reefer with a two-tone paint job - that was the only one I could think of at that moment. I did read somewhere(I think in MM) that those particular cars were from the future. Even if they were from our era their colors do not match the car in question. I agree with the X29 consensus.

Richard Townsend
Lincoln City, OR


-----Original Message-----
From: rwitt_2000@... [STMFC]
To: STMFC
Sent: Sun, Dec 31, 2017 8:40 pm
Subject: [STMFC] Re: BAR, or not?

 


Richard Townsend wrote: ... It might be a reefer of some kind, like the Marhoeffer: https://www.trainworld.com/manufacturers/atlas/atlas-50002677-40-wood-reefer-marhoefer-packing-72207/.

As I recall those URTX Marhoeffer reefers, as neat looking as they are, actually appeared after the cut-off date for this group and definitely would not be seem behind steam.

http://www.intermountain-railway.com/ho/html/47736.htm

IRC has a 1962 re-weigh date.

Bob Witt

P.S. FWIW upon magnification I also agree with Ben Hom that the freight car is a PRR box car painted for Merchandise Service.



Re: BAR, or not?

rwitt_2000
 



Richard Townsend wrote: ... It might be a reefer of some kind, like the Marhoeffer: https://www.trainworld.com/manufacturers/atlas/atlas-50002677-40-wood-reefer-marhoefer-packing-72207/.

As I recall those URTX Marhoeffer reefers, as neat looking as they are, actually appeared after the cut-off date for this group and definitely would not be seem behind steam.

http://www.intermountain-railway.com/ho/html/47736.htm

IRC has a 1962 re-weigh date.

Bob Witt

P.S. FWIW upon magnification I also agree with Ben Hom that the freight car is a PRR box car painted for Merchandise Service.



Re: Loss Protection for our freight cars.

Tim O'Connor
 


J. Stephen Sandifer wrote 
Homeowners insurance will not cover our collection unless they have a special rider. You can insure your railroad through the NMRA or a company line American Collectors Insurance. I have used the later for many years and include some of my wife's collection in the coverage. It costs about $60 per $10,000 of coverage. You can log onto the NMRA website or the ACI website and see more details.


That's pretty pricey, although it's not completely outrageous. But it is about 5x
what my homeowner's insurance charges for coverage. I have found similar variability
in life insurance plans.

I was told that special riders were only needed for special "one of a kind" items
that were particularly valuable, but not brass or similar items that were expensive
but nevertheless are not considered to be "art objects". But of course I'm sure it
varies from state to state, and with insurers. I remember that jewelry was especially
expensive to insure, probably because of the risk of theft and loss.

Tim O'Connor


Re: BAR, or not?

Tim O'Connor
 


Just from a "process of elimination" perspective, I'm leaning towards the
consensus that it's a PRR Merchandise Service car, as Ben confidently said.
Box cars and reefers painted with broad white bands are very few in number,
and the colors in the image do seem to match the PRR colors best.

Thanks folks! It's fun to try to identify freight cars in train photos. :-)

Tim O'


  https://www.flickr.com/photos/timboconnor/27635187099/


Re: BAR, or not?

Benjamin Hom
 

Rob Kirkham wrote:
"With significant enlargement there is a boxcar red strip above the white stripe, so not like the Marhoeffer reefer.   Within the white stripe, there are three areas of disruption – the door at centre, and approx. 1/3 of the width from car door to each car ends.  That could be weathering or a company emblem.  If it was just to the right of the door, that would also suggest the merchandise service design.  But both sides of the door - harder to ID well."

Not really - your two areas of disruption on either side of the door would be the words "Merchandise" and "Service".


Ben Hom

31581 - 31600 of 186154