"True. But do you ever fully get compensated for being out of your house
while it is being repaired?"

I've only owned one house, but my homeowner's policy covered replacement
housing. I've forgotten the exact amount, but it was paid on an "$X per day"
basis. But you have to remember that it is the pilot who is ultimately
liable. Depending upon your policy, you may be able to sue the pilot for any
damages not paid by your homeowner's insurance, including replacement
housing.


"Plus, installing strobes definitely would have had a direct impact on their
(KFI's) insurance premiums as well."

Actually, no. The radio station is only required to paint and light the
tower in accordance with FAA regulations. As long as they do that, they are
under no liability if an airplane crashes into the tower, guy wires, etc.

Using the car analogy again, if a car crashed into the tower, the driver of
the car would be liable for any damage to the tower, even if the tower was
neither properly painted nor lighted.

As a broad, general, rule, and I don't intend to argue this point, if
someone collides with an immovable object, whose character location, and
operation do not violate any laws, regulations, whatever, the person who
collides with the object is liable to the owner of the object for any
damages; the owner of the object is not liable to whoever collided with the
object.

And keep in mind, you can't just send someone up the tower with a set of
lights and have them install them. The tower system (tower, tower base, guy
wires, guy wire anchors) are designed to bear a specific maximum amount of
weight, and withstand a specific amount of wind loading. If the radio
station did install some lights without a proper engineering study, THAT
would probably affect their insurance. If the company found out about the
installation, they would probably cancel the policy; if the tower collapsed
without something colliding with it, they probably wouldn't pay, and if the
tower collapsed following a collision, and the insurance company found out
about the additional lights, they probably wouldn't pay.

Keep this in mind: even if the tower does provide some level of hazard to
aviation, it is large, it has been there for some period of time, it is
properly painted and lit, and it is marked on air navigation charts. It is
the pilot's responsibility to avoid hitting the tower, not the other way
around...




"JohnMcGrew" wrote in message
...
In article , "Bill Denton"
writes:

Think of it in terms of someone who drives a car into your house. Even if
your homeowner's insurance initially paid, they would attempt to recoup
damages from the driver of the car.

True. But do you ever fully get compensated for being out of your house
while
it is being repaired?

Plus, installing strobes definitely would have had a direct impact on
their
insurance premiums as well.

John