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14-09-2019, 09:05 AM
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Church Insurance

Whilst on our evening constitutional yesterday, we noticed that the wall and gates of our local church had been knocked down (I'm guessing by an HGV seeing as the pillars are about 7ft high).

That got me wondering whether churches have to buy building insurance and whether they are covered for 'Acts of God'?
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14-09-2019, 09:20 AM
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Re: Church Insurance

So far as I am aware, they do have to have insurance to cover all eventualities.
Obviously once an insurance claim is made, the repayments rise, as does everyone elses' which is probably the reason for raising church funds when lead roofs etc . were being stripped and stolen not so many years ago.
The cost against major insurance claims would be pretty high coming out of the individual church accounts (as I understand it) .
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14-09-2019, 09:21 AM
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Re: Church Insurance

Poor blokes probably laid dead in his cab having being struck by a lightning bolt.....
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14-09-2019, 10:52 AM
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Re: Church Insurance

Originally Posted by Puddle Duck ->
So far as I am aware, they do have to have insurance to cover all eventualities.
Obviously once an insurance claim is made, the repayments rise, as does everyone elses' which is probably the reason for raising church funds when lead roofs etc . were being stripped and stolen not so many years ago.
The cost against major insurance claims would be pretty high coming out of the individual church accounts (as I understand it) .

Or, it's possible the CofE HQ (presuming it's a CofE church) organise insurance for it's 16,000 church buildings. Don't they own schools and sheltered housing too?

Here's a couple of interesting links, I'll look into it some more later ...

https://en.wikipedia.org/wiki/Church_House,_Westminster

https://en.wikipedia.org/wiki/Proper...rch_of_England
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14-09-2019, 01:19 PM
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Re: Church Insurance

Originally Posted by OldGreyFox ->
Poor blokes probably laid dead in his cab having being struck by a lightning bolt.....


Yes, I'm just imagining the scenario if, for instance in the unlikely event of a tornado or an earthquake. If the insurance company argued that it was an act of God, then the church couldn't really dispute the fact.
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14-09-2019, 01:21 PM
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Re: Church Insurance

Originally Posted by Puddle Duck ->
So far as I am aware, they do have to have insurance to cover all eventualities.
Obviously once an insurance claim is made, the repayments rise, as does everyone elses' which is probably the reason for raising church funds when lead roofs etc . were being stripped and stolen not so many years ago.
The cost against major insurance claims would be pretty high coming out of the individual church accounts (as I understand it) .
I cannot imagine the costs involved when you think some churches house solid gold statues. I just Googled and there is indeed such a thing as church insurance.
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14-09-2019, 06:48 PM
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Re: Church Insurance

I think the individual churches are responsible for most things. Vicars wages, heating, electricity, etc. Our church had a new church hall and kitchen built plus the church itself renovated just a few years back. It all came from the congregation by donations and wills.

Must admit, when a long standing congregation member dies , expectations are high

My dear sister has bequeathed a third of her £million house to a Cathedral ! That's sister's for you
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14-09-2019, 06:53 PM
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Re: Church Insurance

Originally Posted by Longdogs ->
That got me wondering whether churches have to buy building insurance and whether they are covered for 'Acts of God'?
Interesting that god let it/made it happen........
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14-09-2019, 07:03 PM
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Re: Church Insurance

And lightning conductors on the roof? Why?
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14-09-2019, 08:14 PM
10

Re: Church Insurance

Originally Posted by Longdogs ->
Whilst on our evening constitutional yesterday, we noticed that the wall and gates of our local church had been knocked down (I'm guessing by an HGV seeing as the pillars are about 7ft high).

That got me wondering whether churches have to buy building insurance and whether they are covered for 'Acts of God'?
Notre Dame, then your local kirk? Do I detect a pattern here? Is the big man with the white beard striking his vengeance on the sinners who attend these churches?

No doubt the vicar will nick the lead off the roof and sell it before claiming off the insurance.
 
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