Someone finally did it.

[2genewb]

beating the insurance company over your home made electronics is as simple as qualifying said electronics.

1. pick a nice local place that serves a decent lunch.
2. when adjuster shows up make friendly, intelligent small talk and offer said lunch.
3. during said lunch, nonchalantly bring up said electronics and make mention of your willingness to qualify said electronics and be confident in what you're relaying.

if all doesn't go well...
4. be sure to mention you're more than willing to pay an electronics engineer and a lawyer to qualify your electronics at a price above and beyond what your premium pays. EDIT: meaning your loss was in the fire and that's what they're paying you for. however, their loss came when they tried to bully you out of what you and they know rightfully belongs to you according to the stipulations set forth in your insurance coverage that you paid for. this covers any and all costs incurred from the battle to deny you of compensation for your losses. this covers a lot... housing/clothing/food/gas/cookware/etc. to get you through the added time it takes to battle them as well as any extra damage to your home from leaving it in the aftermath of a fire during the battle.


if all doesn't go well...
5. hire a public adjuster, inform him of such activities and refer him to a good electronics engineer that can use the cash.

in the end, it's going to cost the insurance company much more to deal with you then to just pay the claim and they'll know it. the one thing the "qualified individual" that comes out to assess your situation isn't probably going to know is electronics, so you've got the upper hand if you've actually personally constructed or converted the power supply.

it's easy as pie if you keep your cool and have the slightest clue of what you're talking about.

and pictures... take lots and lots of pictures... dated if you can...

as a fire and water restoration technician who used to run several crews simultaneously for a mom and pop outfit, i've been reluctantly and successfully put in a position to do this countless times.

[JERRY2KONE]

Your arguement is a good one, and your reasoning is somewhat sound to the average homeowner who has not faced an insurance company face to face in this situation. The problem is that what your saying has been tested and the insurance companies that we face in these disagreements are some of the most profitable businesses in the world who have more money than any of us will ever see in our lives. The insurance game is one of the biggest, richest, lawyer savvy businesses in the world and they can make almost any lawyer look like a fool in the court system.

I did not post this information up for entertainment value or to get into a fight about how to beat the insurance comapny. I provided this insurance arguement as a warning from experience seeing people lose everything plus having their insurance company refuse payment of said claim due to a fire that was deemed caused by modified electronics being used for charging batteries in the home. A fire inspector invetigates home fires to determine what caused the fire and that determination will stand up in a court of law as fact in most cases. The insurance company can and will use that report as a means to pay or refuse personal insurance claims whether you agree with it or not.

The MA charger made from using two server PSU's in someones home garage does not equate to a professionally made electronic unit backed by solid engineering design for charging Lithium batteries, which are already considered a very dangerous endevour. It is still a home made piece of electronic gear configured from two used computer PSU's that were meant for powering just that, and not charging batteries. If you plan to use MA reputation as a justification in a court of law when we all know what a sham MA is professionally with their false advertising and poor quality Lipo packs, you are in for a world of hurt. Good luck with that.