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How to store powder

Hey guys can you lead me in the correct direction on how to store my powder for insurance reasons.
I hate to have my house burn down and then the insurance company tells me they wont cover my lose because of to much powder or incorrect storage.
Thanks
 
I suggest you ask your insurance company. I would hate to submit the argument to my insurance company, "but the guy on 6mmBR said...."
 
bench said:
Hey guys can you lead me in the correct direction on how to store my powder for insurance reasons.
I hate to have my house burn down and then the insurance company tells me they wont cover my lose because of to much powder or incorrect storage.
Thanks
Every city and county have their own specific ordinances. Your best bet is to contact them. Another small item to consider is the storage of primers. 10,000 is the maximum in a residence. My wife and I have a small fortune tied up in our house, and I for one won't take a chance on losing it. I can always buy more powder and primers.
 
Use an old refrigerator with a magnetic seal. In case of fire it will push open, not explode. Virtually impossible to burn inside.
I would not discuss with insurance co.

Insurance company can not make up reasons not to pay. You have a contract. If it is not excluded it is covered.
Gun powder is not mentioned as an exclusion in any insurance contract I have ever read. I spent about 20 years of my like in that business.

The gasoline in your lawn mower is much more likely to cause a fire than gunpowder. Your kitchen stove is the most likely source, then electrical and/or heating.
 
Some advice, talk to the local Fire Chief first,
He'll have all the local codes at his finger tips and he'll be able to tell you what they deal with. He can't by law advise you how to insure your house or how to deal with Insurance people. He can share his experiance with you.

If you call/ask your Insurance Rep,, even if he's your friend,, it'll raise some flags they you may not want rasied
 
This is the same reason a friend of mine built a underground storm shelter...though the biggest problem now is when a tornado is coming no one wants to be huddled in that shelter with all those primers and powder...lol...he's now looking into building a smaller version just for the powder and primers..btw his shelter is appox. 50yrds from the house...if it was me i would go a little further. Nice thing about it is that the temp. stays about the same down there all year around...as far as humidity goes i have no idea...

Ive always thought putting powder in an ammo can is simply just a bigger version of a cartridge...those lids clamp tight enough im sure it would have a good pop to it when the pressure finally builds enough. Heat alone can ignite the powder. Ive seen videos of so called fire proof gun safes going thru heat with important papers inside....needless to say once the gun safe has been heated to a high temp longer than its time rated for the papers inside ignite.
 
It is a NFPA (National Fire Protection Association) mandate that smokeless powder be stored in a cabinet made from wood at least 1" thick on all sides and NOT made from metal. When you store a fair amount in an enclosed metal container, you actually have a small bomb.
 
JRS has the idea. The box also needs to have one weak side
ie. one side facing in a well chosen direction fastened with a few
finishing nails while the others are securely screwed together.
They also dictate how much powder, I forget the poundage but
it's a reasonable amount for the reloader. Primers , black powder
and metal containers are the biggest dangers. There may be local
requirements as well, try to get to them quietly.

Jeez, calling your Homeowners Insurance Co, is like swinging a broom
at a pack of feral dogs. Those folks can and will cancel your coverage
if they see peeling paint. May as well call your local FBI office and ask
them how you should store your arsenal of automatc weapons.
 
kgcoker said:
Insurance company can not make up reasons not to pay. You have a contract. If it is not excluded it is covered. Gun powder is not mentioned as an exclusion in any insurance contract I have ever read. I spent about 20 years of my [life] in that business.

Not necessarily... There are plenty of contracts with "omnibus" exclusion clauses that eliminate coverage for things that are not explicitly mentioned AND there are vague clauses that will eliminate coverage for things that are "not in compliance with applicable regulations" etc. Do not assume you are covered...

This can apply to a lot of things that you may not think about -- such as heirlooms, gold, firearms, jewelry, artworks. Bottom line -- don't assume that you are covered even in a "standard" home-owners policy.

I spent a dozen years of my life as an attorney writing (and litigating) these kinds of contracts. A classic example of the "fine print" hidden exclusions I've personally dealt with (as a policy holder) is an Allstate boat policy that limited theft coverage to "incidents while operating vessel" -- yep you were covered, but only against piracy!

Bottom line, if there is any way the insurance company can construe the policy its lawyers wrote to exclude coverage, the insurer will try to find a way to weasel out.

Best advice is to comply with ALL state, local, and federal regulations and don't store an excessive amount of powder and primers. As others have noted there may be distinct regulations for storage of black powder vs. smokeless powder.
 
joecob said:
May as well call your local FBI office and ask
them how you should store your arsenal of automatic weapons.

YESSSSSS!!!!! HAHAHAHA!!! I am going to store my extras in my shed out back away from the house. I LOVE the refrigerator idea. That is brilliant!!!
 
Bradley Walker said:
joecob said:
May as well call your local FBI office and ask
them how you should store your arsenal of automatic weapons.

YESSSSSS!!!!! HAHAHAHA!!! I am going to store my extras in my shed out back away from the house. I LOVE the refrigerator idea. That is brilliant!!!
Though the refrigerator idea might sound good Brad, it is ILLEGAL to store the powder in a metal enclosure.
 
bench said:
Geeze Guys,
Now I am totally confused!!!!!!
bench: It's really pretty simple. Build yourself a box out of one inch plywood. Square or rectangular makes no difference, Put a door on it made from the same material. A hinge will work fine. Equip it so that you can keep it secure from uninvited quests. Store it away from any ignition source. That is the legal and smart way. If you are willing to take a chance with your life, the lives of your family, your home, Fire Dept, law enforcement, etc, etc, there are other ways to store it.
 
Steven Dzupin & JRS
Thanks for the info,I printed out the info from saami and now know what to do for my storage problems.

Bench
 

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