Pricing lost plants from the fire

chocolatepop 7/12/2010, 11:01 pm

this is friggin hard. seriously. But i have to do if for insurance and I'm not even sure if they'll pay Pricing lost plants from the fire Icon_evil

. i keep thinking to myself "no way are they going to pay".i keep thinking to myself "no way are they going to pay". I'm partially guessing also, I havent even made it to the tomatoes and peppers which are going to be $ because most were they were speciality and the size (most were about 18" or more tall).

This is hard!!
HELP!

boffer 7/12/2010, 11:11 pm

Hi,

I'm assuming you're making out a list for the insurance company. Does the policy pay for replacement value or for the lost potential income?

I'm with you-that is a tough list to make.

chocolatepop 7/12/2010, 11:33 pm

boffer wrote:Hi,

I'm assuming you're making out a list for the insurance company. Does the policy pay for replacement value or for the lost potential income?

I'm with you-that is a tough list to make.

IDK, maybe if our insurance adjuster would CALL US BACK.

IDK even how to start calculating that since I'm not a real business, just selling for the farmers market Pricing lost plants from the fire Icon_question

I mean, at the local nursary a $3 for a tomato plant that is like 8" tall and mine were much larger than that.

Megan 7/13/2010, 6:53 am

Is it based on per plant, or on dollar value of future crop lost? A wheat farmer would not look at per stem, but the tons of wheat she would grow per square acre, or some such.

You might want to check with your local agricultural extension office. I'd be willing to bet they have some experience with this...or could point you to someone who does.

Hugs!!

jtwenting 7/13/2010, 7:26 am

Never looked into it, but most insurance policies would likely not cover anything at all, unless maybe you had a specific clause put in covering plants.

I'm pretty sure that were my house to burn down the insurance company wouldn't cover replanting the garden, at most they'd cover replacing the patio and wooden fencing.

silverbug 7/13/2010, 7:33 am

A really large, established tomato plant here can sell for $7-$10 a piece depending on the size and variety. I would assume that the insurance claims guy would be the one with the answers. I hope he calls you back soon.

Retired Member 1 7/13/2010, 9:28 am

Home insurance is probably not going to pay for future potential earnings, but should pay for the plants themselves since they were in the house when it burned. If you have replacement coverage, then figure out how much it would have cost you to purchase the plants from an established nursery. I saw some Bonnie tomato plants that were fairly large (6" pots, I think) going for $3.98. Even though these were not heirlooms, that is a provable cost and the insurance would be likely to go with it.

jtwenting 7/13/2010, 10:20 am

not necessarilly. Plants in the garden aren't in the house, and most policies don't cover the garden (or even a pot on the patio) because it's not in the house, technically (they're insurance companies, next to lawyers and politicians among the worst scumbags with the legal power to do what they do).

And even if they were in the house, no doubt there's some scale they'd use (if they're covered at all and not under some excemption) that grants you a fixed amount per plant you can prove you had at the time of the fire irrespective of what it actually was (or did you keep the receipts for all those plants and can produce them, complete with proof that they were destroyed in the fire and in perfect health before?), an amount no doubt derived from the cheapest possible plants you can get at a yard sale.

Retired Member 1 7/13/2010, 1:02 pm

jtwenting wrote:not necessarilly. Plants in the garden aren't in the house, and most policies don't cover the garden (or even a pot on the patio) because it's not in the house, technically.

These WERE in the house, not the garden -- she had a fire and lost all her seedlings she was raising in the house. See this post: https://squarefoot.forumotion.com/outside-the-box-f40/where-to-purchase-rare-tomato-plants-t2274.htm

Plus here in the States most homeowner policies will cover adjacent structures and a certain amount for outside vegetation. I was reimbursed for two trees when a hurricane took them down (and took the roof off the house as well).

elliephant 7/13/2010, 1:05 pm

Just want to offer my condolences for the fire. I must have missed that post. We had a housefire 4.5 years ago...5 days before our first baby was born. Such an emotional week!

Chopper 7/13/2010, 2:47 pm

Most insurance companies are going to look at what you see as a loss and make you a lowball offer hoping that any money will look better than none. Their job is to pay out as little as possible. You might look to see if there is anyone who can act as your advocate. Your insurance company is not your friend.

As for the veggies, actual worth - replacement value is likely what they are talking about. Do not lowball - they will do that for you.

To me this part is harder than the fire itself. Tedious paperwork makes me crazy. So sorry for the magnitude of the loss, and so grateful it was all "things".

chocolatepop 7/13/2010, 4:01 pm

ugg, you all are so right. If I post my losses, can you guys help me with pricing??? I really have no clue were to start :'( I mean I lost a cabinet, I know I can go to lowes and get a like cabinet for XXX dollars. but there is quite a difference in the price of an 18" rarer heirloom mater versus a bonnie ya know?

chexmix 7/13/2010, 5:39 pm

Sorry about the fire. Insurance companies are a pain in the a$$. My suggestion would be go to some of the websites that sell the plants/seeds that you had and ask them what it would cost to replace the seed/plant. I would think rareseeds.com would be a great starting place. Contact them and see if you can find someone willing to help. Heirlooms are special and sometimes very difficult to come by.

They also have a forum and people there might could help as well. This will give you a guide plus it would also give you information from a company to give to the insurance adjuster since they will probably not have an idea either.

Retired Member 1 7/13/2010, 6:18 pm

Try these folks. Their tomatoes are smaller than yours were, but perhaps if you e-mail them, they will be able to suggest a price structure to use.

http://www.selectedplants.com/

martha 7/13/2010, 10:14 pm

I plan on stopping by my favorite nursery tomorrow and will look at their prices. Please refresh my memory, what vegetables you had besides tomatoes.

When pricing, make sure you factor in that yours were large SEVERAL MONTHS AGO, which would have added to their value, IMO.

chocolatepop 7/14/2010, 12:07 am

martha wrote:I plan on stopping by my favorite nursery tomorrow and will look at their prices. Please refresh my memory, what vegetables you had besides tomatoes.

When pricing, make sure you factor in that yours were large SEVERAL MONTHS AGO, which would have added to their value, IMO.

I think that is the biggest thing I'm having trouble equating is size.

Here is a newer list
Pricing lost plants from the fire Icon_pale

Peppers I have under control

beans	Asparagus
beans	dragon tongue
beans	red kidney
beans	roma
cole	Catskill
cole	romanesco
cole	purple cauliflower
flowers	butterfly flower
flowers	chinese lantern
flowers	coleus
flowers	columbine
flowers	cosmos
flowers	four o'clock
flowers	moonflower
flowers	hollyhocks
flowers	lupine
flowers	marigold
flowers	nasturtium
flowers	sunflower-chianti
flowers	sunflower-evening sun
flowers	sweet pea
flowers	zinnia
flowers	dwarf jewel-nasturtium
flowers	snapdragon
herbs	basil-dwarf
herbs	catnip
herbs	chamomile-german
herbs	cilantro
herbs	oregano
herbs	basil-genovese
lettuce	arugala
lettuce	baby star-romaine
lettuce	iceberg
lettuce	grand rapids
lettuce	green ice
lettuce	romaine
lettuce	speckles
lettuce	tom thumb
melon	blacktail
melon	charentais
melon	evening dew
melon	honeydew
melon	sugar baby
Pepper	balloon
Pepper	big jim
Pepper	black pearl
Pepper	chinese 5 color
Pepper	long thin cayenne
Pepper	verigated striped
pumpkin/squash	Big Max
pumpkin/squash	Butternut hybrid
pumpkin/squash	cucuzzi
pumpkin/squash	delicata
pumpkin/squash	golden spineless
pumpkin/squash	luffa sponge
pumpkin/squash	Spaghetti
pumpkin/squash	styrian
pumpkin/squash	sweet kikuza
Root	walla walla
Spinach	bloomsdale
spinach	melody
tomato	banana legs
tomato	black cherry
tomato	black brandywine
tomato	black plum paste
tomato	carbon
tomato	cherokee chocolate
tomato	cherokee purple
tomato	currant
tomato	japanese truffle
tomato	kelloggs
tomato	orange banana
tomato	paul robeson
tomato	pineapple
tomato	roma
tomato	sungold cherry
tomato	white cherry
tomato	yellow pear
tomato	zebra
other	celery-tall utah
other	fennel-florence

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