Posted by NY 986 on October 28, 2015 at 07:59:34 from (174.236.2.66):
How many here can insure for replacement value versus fair market value on a given unit? It always seemed that it took quite an argument to get an adjuster to pay on replacement cost which normally is higher than fair market value. Prior verification of a machine's condition would have to be a must before it would burn in a fire which seldom happens outside of stating model, year of manufacture, and hours ran. A guy I am familiar with got a much better payout than I thought he could have gotten on a burned combine. If it were possible to get double the fair market value on a combine then every less than ethical farmer would be burning combines up frequently so they could "trade up." What am I not seeing? My major pieces are not low houred so fair market is a good basis for value and the agent has never gone with the replacement value arguement.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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