Insurance policies and stuff

[fusil de asalto]

I'm in the process of getting my firearms insured and increasing the coverage on my house. I went to see my agent at the end of July and he put it all in the computer system but didn't finalize it because he needed a description of each firearm and it's value listed by a gunsmith. I got the paperwork yesterday and dropped it off at the office this morning. When I called to make sure they gave it to him he confirmed it and all the paperwork looked good but... in his words, "Due to the storm Gustav I can't finalize anything until it passes and you'll just have to chase your guns down if they get blown away."
This process started a month ago. I can't help how long it took the gunsmith to give an appraisal to my stash. Now my house which is now valued at $110k still only has $64k coverage on it. If something happens I'm going to be absolutely livid. I can't see how it's legal to back off of something that started a month ago just because they might have to follow up with paying.
I've known my agent for a long time and I don't think he'd ever try to screw me over.
Anybody have any input, possibly legal input?

[Conveyor Belt]

They won't write polices with a named storm in play.

That's SOP.

[MsMargatini]

Your agent didn't actually "start" anything with the company. That paperwork he may have started filling out? Went in a drawer.

[carsalesguy]

if a named storm is anywhere in the Caribbean or Gulf, there is no insurance company that will write or make changes to any policies.

it's a Bit*h when saturday someone comes in and buys a car without any insurance- they have to keep it there-

[fusil de asalto]

Your agent didn't actually "start" anything with the company. That paperwork he may have started filling out? Went in a drawer.
He made all the changes in the computer but suspended it until the appraisals came back.

I also made a note to him that my 77 ford work truck had accidentally been changed to a 77 honda accord. Can't change it now.

[carsalesguy]

a 77 honda accord? WTF?!?!?!?!?

[fusil de asalto]

a 77 honda accord? WTF?!?!?!?!?
I know right.

[PalominofillyinMS]

My husband has a gun cabint full of guns, some of them very valuable antique ones. I guess that we will try to keep them from getting wet if any of the windows(God forbid!) blow out. We also have antique furniture & I worry about that getting damaged. It was my Mama's Granfather's so it is really old--over 100 years for sure.:ohnoes:

[Fantom]

Insurance companies SUCK! It's all good when they are taking your money, but let them have to pay a claim & they threaten to cancel you.

But you gotta have Insurance, what you gonna do?

[MsMargatini]

He made all the changes in the computer but suspended it until the appraisals came back.

I also made a note to him that my 77 ford work truck had accidentally been changed to a 77 honda accord. Can't change it now.
That "suspension" means it didn't go to the company.
You can use those same "suspension" screens to give someone a quote. He didn't actually start and changes.

[Hermione]

My husband has a gun cabint full of guns, some of them very valuable antique ones. I guess that we will try to keep them from getting wet if any of the windows(God forbid!) blow out. We also have antique furniture & I worry about that getting damaged. It was my Mama's Granfather's so it is really old--over 100 years for sure.:ohnoes:

cover the furniture with tarps
could you put the guns between the mattress and box springs? just a thought