House Fire Took most of my Marklin Trains

[Anonymous]

Hi, People, Just a reminder, If you have a decent layout, I had 3, PLEASE make sure you insure them, and don't assume that your regular house insurance will cover them. On July 5 2003 my house was destroyed by fire, It was an electrical fire behind a wall, I lost almost all my early 60's marklin, It has taken me this long to even beguin talking about it, So, Just make sure you have "Extra" insurance

[sparkingbolt]

I feel your pain, Marklin 101. Probably not to near the same extent, though. On March 22 1997, I lost a bunch of my railroad stuff in a storage shed fire. Mostly scratchbuilt structures and about 40 Athearn and such freightcars. I didnt have an actual layout Still, it's a defeating feeling seeing it happen and waiting for the fire dept. The shed was engulfed before anyone was aware. Losing the structures was what really hurt. Some were very involved.

To my surprise, everything was insured. That was then. This is now. I better see to it my actual layout is covered. Im sorry for your loss. Dan

[AntonioFP45]

Guys,

Sorry about these losses, I can only imagine how saddening it is. I hope no one was hurt. Thanks for the tip. Many of us take for granted (me too) that the insurance industry has changed a great deal in the past decade, most of the changes are not in our favor.

Keep modeling!

Thank you, Amigos!

[Anonymous]

Marklin 101 [#welcome] to the forum!

Sorry to hear about your loss. I pray you'll be able to find replacements for them over time.

[Anonymous]

The NMRA offers specialized insurance policies for model trains/layouts to their members.

[Anonymous]

Not to take away from this thread, but fire is not the only destructive force to worry about.

I had a washer supply hose break in the middle of the night and flooded 3 rooms up stairs, but my train room was right below the laundry room. By the time anyone knew what had happened..the ceiling had collapsed and almost everything that was on the layout was completely ruined. I lost almost everything, from books and magazines to locos, rolling stock and power supplies.

It was a hard lesson to learn, but i now keep everything in big Rubbermaid containers and I do not leave ANY locos or rolling stock out on the layout when I know I won't be in the room on a regular schedule. Just something to think about as well when you're checking your insurance policies.

[Anonymous]

I am very sorry to hear of your losses. [:(] [V]

Thanks for bringing these things to our attention.

A housefire, while I am away from home, is one of my biggest worries. The thing needing "saved" first would be the dog. Then HO train stuff, books, vids, etc.. I am not worried about clothes, tvs, furniture, other other things like that, but some of the train stuff would be very difficult to replace.

This topic has been on my mind for some time now. I need to make a video of each room and things in the storage shed to make sure I have proof of them for insurance. I hope if you have not done so that this topic will inspire you to think about these things and take some action.

Even though these things are not pleasant to think about we need to "take care of these things."

[fec153]

Sorry about your loses. Don't forget about WIND. Hurricane Andrew did a big number
on house with layout. (Gone with the wind.)FEC153.
Phil

[fec153]

Sorry about your loses. Don't forget about WIND. Hurricane Andrew did a big number
on house with layout. (Gone with the wind.)FEC153.
Phil

[Noah Hofrichter]

I can see where something like this is painful, I know it would be if it happened to me. I can see the reson for insurence. I'm curious, what does insurace cost anyways? On my new layout, I'm looking at the possibility of getting insurance if neccesary.

Noah

[Anonymous]

Sorry to hear that, Marklin101. I would hate it if I had to replace all of my belongings, not just the trains.

[Anonymous]

Sorry to hear about the losses. I'll admit that one of my biggest worries is a fire while I'm away on holiday. Last time I actually took the bulk of my N-scale collection with me as I figured it'd be safer with me in the RV than left at home!

[Hudsonmike]

Sorry to hear about the fire.
Home owners insurance in my case doesn't cover my trains and collectebles
I insure mine threw the NMRA , the cost of the insurance is cheaper
than than getting it on your own and that is even with the 40 dollar membership
to belong to the NMRA.
Mike