Insurance for Water System https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1699573 Wed, 24 Jun 2026 10:25:03 GMT Mon, 27 Feb 2023 22:38:44 GMT Copyright © 2023 National Forest Homeowners Insurance for Water System https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1699573 https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1699573 Are there other cabin associations that supply spring water to the cabins AND a commercial lodge serving the public?  If so, what liability  insurance does such an association carry and what insurance agency and insurance carrier do they use?   We are located in the Stanislaus National Forest in California.

Chris Smith

mcjk100@gmail.com

 

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I'm sure there are other associations that carry insurance for their water systems, but it might take some time for them to respond. You may want to ask our partners at Assurance Risk Managers for additional info or quotes (see Marketplace->Cabin Insurance Program, though asking around for other associations' referrals is ideal. Hopefully, others will have suggestions, as well.

There are certainly other cabin associations with shared water systems, possibly in other forests or states. Some will be shared with a campground, others with a lodge. One of the losses we have seen after a fire has been to shared infrastructure such as water systems so you are wise to seek out some coverage.

Thanks for the question.
Sharon Leach, NFH Executive Director]]> Tue, 5 Jul 2022 15:31:15 GMT https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1728700 https://www.nationalforesthomeowners.org/forums/posts.aspx?topic=1728700 The system was destroyed by the Caldor fire. The insurance is pretty much covering the losses. The last premium we paid (2021 before the fire) was about $1,500 for about $25,000 in coverage. Over the years if we had just banked the $ we spent on insurance we'd be money ahead. As far as liability depending on your organization's structure you might only be risking whatever reserves you have (you'd need legal advice to make sure the people running it are insulated from the organization, e.g. someone wanting to sue for something can't go after the individuals running the organization and can only go after the organization's assets).

The insurance seems to be for much bigger systems with parking lots, playground equipment, lots of buildings, employees, computers, etc.

I will say the process of getting payouts from the insurance for the fire loss has been easy. Not much more than a quote or receipts and they pay.

I realize you are looking for someone who supplies spring water to both private and public and we don't meet that but...]]> Mon, 27 Feb 2023 23:38:44 GMT