75w bulb in 60w socket?

[Eigenvector]

"If I store gasoline next to my gas water heater and the resulting accident damages my home will I be covered?" The answer from my agent is - absolutely full coverage. I must admit to goes against all common sense, for the insurance company to cover an accident that I could cause by ignoring 2 product warning stickers. Two stickers that are quite prominent.

As much as I feel that this shouldn't be covered, I'm certainly not going to fight it. Now they did go at great lengths to mention that if could be demonstrated that I acted with full knowledge of potential consequences at that point the policy would NOT cover damages.

The trick now is to make sure my house doesn't catch fire for another year or so, else my agent may question the accident.

[Doug Miller]

.. which is why I suggested that you should not identify yourself, nor allow your caller-ID info to come through, when you placed that call...

[dpb]

...

Actually, what your agent says really is of no consequence -- what are the conditions on the policy itself (see the short section I posted from a State Farm policy earlier).

The answer will be what the insurance company actually does in the event of such a situation. If, after a fire resulting in a large claim the investigation confirmed such negligence, it is quite likely they might at least initially reject the claim based on such a clause in the policy (again, if it were in your policy).

The actual court case from which that clause was pulled was even more egregious in that the fire was identified as a case of arson. The claim was eventually upheld, but it was on a technicality in where the restrictive clauses were in the contract so that they were able to be interpreted as ambiguous as to whether they covered the particular situation or not so the court ruled in the plaintiff's favor on that basis. If the restrictions had been in the contract specifically for the subsection under which the claim was made, the defendent's (insurance company) postion would have been upheld.

Upshot is, know your policy throughly and don't rely on the insurance company to bail you out of something stupid -- just may not happen! (And I know you're not planning on it, just the hypothetical. Just a cautionary note that it doesn't always work out for the insured in such a situation.)

[David Combs]

Any reasonable way to make air-holes in existing glass-enclosures?

That would somehow avoid concentrating existing frozen-in stress in the glass, and thus would be safe?

David

[David Combs]

In article , Don Klipstein wrote: ...

Two of mine are mounted in ceiling sockets, bottom up -- but totally UN-enclosed.

Any benefits/disadvantages from having base-up? eg from any possible mercury ending up in wrong place during ignition?

David

[aemeijers]

Assuming you are talking about a 1-piece glass globe, no, there is no good way to drill a hole in it. If it is a frame with panels, you can make cracks for air. Glass breaking isn't the risk- overheating and disintegration of the cheap socket, feed wires, and base insulation is the risk. I've had to replace fixtures where all the electrical parts were scorched brown and crumbly from the heat.

These types of light fixtures are pretty cheap- if you need more light than the fixture is rated for, just change it out for a bigger or better one.

aem sends....