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Death of a bicycle shop

Old 11-19-19, 07:12 PM
  #76  
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Originally Posted by sykerocker
Thank you, I'll take you up on it. And around Memorial Day I do a reenactment at Our Lady of Cheztokowa (I know I'm killing the spelling, Polish isn't my strong point)
OUR LADY OF CZESTOCHOWA

The church here I was baptised at.
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Old 11-19-19, 07:33 PM
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Originally Posted by dedhed
OUR LADY OF CZESTOCHOWA


The church here I was baptised at.
Thank you. We do a Polish Military History event around the Memorial day weekend, and if you're in the area it's very worth seeing.

It's a fun event for our group because we come in as the Swedish army in the 1650's (first event I was ever booed at as we marched onto the field) doing Polish/Swedish War in the mid-1650's. Plus lots of really good WWII stuff. Our tactical is small, but this is one of the very few events where the organizers aren't terrified at the thought of musket, pike, artillery and hussars on the field at the same time.

And Saturday night dinner reminded me of my youth: Kolbassi, holoupki, the best halushki I've had since mom died, and I couldn't understand a word of the conversations around me (my parents spoke fluent Slovak, but absolutely refused to teach it to my sister and me).
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Old 11-19-19, 07:41 PM
  #78  
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The back and forth can be useful to others to remember, if you turn it into a business, you can trigger other requirements, insurance being one of them. Glad to hear it sounds like your loss will be covered.

And another consideration on workshop insurance is tools. I know "this guy" who has as much in tools as he does bikes. And "this guy" has a lot of bikes.

Last edited by wrk101; 11-20-19 at 08:44 AM.
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Old 11-19-19, 09:40 PM
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Originally Posted by wrk101
The back and forth can be useful to others to remember, if you turn it into a business, you can trigger other requirements, insurance being one of them. Glad to hear it sounds like your loss will be covered.
The biggest thing to remember for a business is that there are different requirements based on who you're talking to. As a tax person, I wouldn't qualify his business in a garage that is also used to house a non-business vehicle as a business location. IRS states that the area needs to be regularly and exclusively used for business. So that workshop building custom widgets you set up in your guest bedroom might qualify as a business for the taxing authority because you profited $2 in 2019, but it's not a "business property." Same with the garage.

I know nothing about insurance. So I'm not going to offer an opinion on what would qualify as a business. But just a heads up to anyone that has a "business". Tax and licensing isn't everything. You almost have to change your song based on who you're talking to.

I hope this all works out for the OP.
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Old 11-19-19, 10:09 PM
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TriBiker,
I operate a golf repair shop out of my home and have a $1m policy attached to it. Mostly for liability in case of a bad repair job. But absolutely necessary for my bizniz, Never had a claim, but know the liability and the cost is valuable for me. That policy covers any product I have at a remote facility as well. Any thing I have at a remote location will be covered. As a business policy I also have coverage for anything on my personal premises that pertains to my business. As it applies to bikes I had destroyed in a fire ten years ago, the adjuster agreed with me that my bikes were indeed covered by my homeowners policy by the fact they were stored in an off site facility that caught fire. The extent of my policy was 11K which was covered by just 8 of the destroyed bikes. For me it was an extension of storage from my home, and not a part of my business coverage. There was about $1k in bike shop inventory there so I did not ask for a policy coverage for that amount. Just asking for a recognition about the loss in the description file for the adjuster. He honored my request knowing the value of my loss. HTH, MH
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Old 11-20-19, 09:24 AM
  #81  
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Originally Posted by cb400bill
Okay. Let's stop with the back and forth bickering. Now.
Sorry, just reading this now. The redundant pictures were slowing me down.

Originally Posted by TriBiker19
The biggest thing to remember for a business is that there are different requirements based on who you're talking to. As a tax person, I wouldn't qualify his business in a garage that is also used to house a non-business vehicle as a business location. IRS states that the area needs to be regularly and exclusively used for business. So that workshop building custom widgets you set up in your guest bedroom might qualify as a business for the taxing authority because you profited $2 in 2019, but it's not a "business property." Same with the garage.
That would be true for tax purposes, meaning if it wasn't used exclusively for business you could not do a tax deduction for those purposes then. Which would be a big tax break. However, he did state it was a business and he does have a business license. Those parts and tools were for business purposes. I don't see how homeowners insurance would pay for this. You can't have your cake and eat it too.

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Old 11-20-19, 12:37 PM
  #82  
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Originally Posted by TriBiker19
The biggest thing to remember for a business is that there are different requirements based on who you're talking to. As a tax person, I wouldn't qualify his business in a garage that is also used to house a non-business vehicle as a business location. IRS states that the area needs to be regularly and exclusively used for business. So that workshop building custom widgets you set up in your guest bedroom might qualify as a business for the taxing authority because you profited $2 in 2019, but it's not a "business property." Same with the garage.

I know nothing about insurance. So I'm not going to offer an opinion on what would qualify as a business. But just a heads up to anyone that has a "business". Tax and licensing isn't everything. You almost have to change your song based on who you're talking to.

I hope this all works out for the OP.
A lot of the environment is changing, with the internet, eBay, CL, etc.

The policy in VA is from 1991, and in general "other structures" are excluded if used "at any time for any business," but that's the language, and interpretations can vary, and often do, in a favorable light for the homeowner. There's are differences that are generally discussed on a case-by-case basis, as far as buildings.

Personal Property, same thing. Many people have as many tools as many shops, for bikes/car/motorcycles, etc, but they're not in business. Generally, the benefit of the doubt is given to the insured, but when it isn't, there are almost always other factors being considered, besides business being conducted. I've had flippers brag to me about making $20K a year flipping bikes, but they have condo coverage only, not a single bit of commercial coverage. Yeah, that would be a problem when 40 bikes burn up that were all on CL....

Where money is involved, people do things. Sometimes not so honest things. One good rule of thumb is: Constant, long-term selling or servicing for a fee is not a hobby, it's a business. One reason I never charge labor on any bike I work on, and never will. (That, and liability) Sporadic selling, impulse buying and selling, well, that describes us.

When a person is revealed to have "done things" in representing/misrepresenting the risk they want to insure, the arguments they present are often adolescent, and pertain to everything but the facts, when the time comes to own up. They are actually quite funny in many cases, and often begin with, "but....."

The entitlement mentality that permeates our culture extends to insurance, of course. Human nature dictates that when you pay something, you want something, unless you are that part of our society that pays nothing but still wants something (and gets it). But insurance is not the government, unless you live in Florida. It's close, there.

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Old 11-20-19, 06:07 PM
  #83  
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Originally Posted by TriBiker19
The biggest thing to remember for a business is that there are different requirements based on who you're talking to. As a tax person, I wouldn't qualify his business in a garage that is also used to house a non-business vehicle as a business location. IRS states that the area needs to be regularly and exclusively used for business. So that workshop building custom widgets you set up in your guest bedroom might qualify as a business for the taxing authority because you profited $2 in 2019, but it's not a "business property." Same with the garage.

I know nothing about insurance. So I'm not going to offer an opinion on what would qualify as a business. But just a heads up to anyone that has a "business". Tax and licensing isn't everything. You almost have to change your song based on who you're talking to.

I hope this all works out for the OP.
On the tax side . . . . . . an interesting sidelight to this situation.

I live in Hanover County, Virginia; an are that is definitely more conservative that I am on most points, but I don't move closer towards the city of Richmond because of how well the county is run. I got this driven home within 24 hours of the fire.

The fire hit 2215 last Monday night. The local fire company was on the scene by 2235 (volunteers), and they finally wrapped everything up by 0230 Tuesday morning. Tuesday morning 1030 the fire marshal stopped back to make sure we were OK, and double check a couple of points in the daylight that he had been depending on floodlights the previous night.

And by 1115, same day, a car pulls in from the County Tax Assessor's office. Who dropped in to photograph the scene as justification for lowering our property taxes until we got the site rebuilt. Went over the whole deal with us, and left us with the first smidgen of good feeling about the whole situation.

Well run government can be a pleasure.
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Old 11-21-19, 03:45 PM
  #84  
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Step one of the rebuild, completed:

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Old 11-21-19, 06:51 PM
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It would be a good time to lay down a creative floor sealer...
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Old 11-21-19, 06:55 PM
  #86  
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Actually, you could lay out PVC or PEX tubing for radiant floor heat and pour another couple of inches of concrete over it.
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Old 11-21-19, 06:59 PM
  #87  
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Originally Posted by sykerocker
Step one of the rebuild, completed:

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Old 11-21-19, 07:30 PM
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Originally Posted by thinktubes
Actually, I have three. The one that isn’t showing is a garage that holds the motorcycles. Of the other two, the big one holds the bicycle collection.
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Old 11-21-19, 07:32 PM
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Originally Posted by sykerocker
Step one of the rebuild, completed:
"Rebirth of a bicycle shop."

...though I'm partial to the "Two Sheds" reference.

-Kurt
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Old 11-21-19, 08:43 PM
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It would be so tempting to add just a couple more feet in each direction...
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Old 11-22-19, 08:38 AM
  #91  
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Originally Posted by TriBiker19
It would be so tempting to add just a couple more feet in each direction...
Have considered the idea, one of the directions I've given the builder is to ballpark me what it'd cost to add a second garage bay to the setup. Most likely, out of touch unless I'm willing to take a loan to finance it. Which I'm not that crazy about, as next year I'm scheduled to pick up a used car, which is going to be financed itself. And there's already going to be a couple thousand out of pocket costs to just put the garage back where it was.

However, I'm going to gain space. Originally when we bought the house, the right side of the garage had a huge makeshift workbench already installed, and my shop stuff from the Montpelier shop (work bench, storage cabinet, 3 tool boxes, compressor, etc.) was lined up on the left. Which really cramped the garage, but for various reasons I never trashed the right side work bench. And Maggie had to park her car at a 15-20 degree angle in the garage to miss that workbench.

With the new setup, nothing is going on the right side except Maggie's car, straight in. Maybe some wall shelves a bit later, once we've gotten the car/workshop ratio worked out. The left side shop is only going to have one humongous tool box (think Snap-On, but more likely Harbor Freight), the new compressor, new workbench, a bead blasting cabinet (finally), and a cabinet for cleaning rags, etc.) It'll be a much more efficient setup, allowing me to work on small stuff with Maggie's car parked inside, and bring out the bike stand with the car pulled out. All storage shelves will be on the back wall, as we don't drive anything bigger than a "C" class automobile (no SUV's in this family, and the van is permanently parked outdoors) so we'll have room.

Actually, I need to get down to Harbor Freight over the weekend to measure a few things, to start planning layout. I may have the builders shift the left side windows a bit to match where the workbench will go.

Planning the new setup is a good tonic for the depression that invariably follows an event like this.
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Old 11-22-19, 09:00 AM
  #92  
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Just gonna toss this out there. Sometimes it's cheaper to build up than out. Depends on usage. Scissors trusses etc etc
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Old 11-22-19, 10:19 AM
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Originally Posted by sdn40
Just gonna toss this out there. Sometimes it's cheaper to build up than out. Depends on usage. Scissors trusses etc etc
Being considered.
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Old 11-22-19, 11:01 AM
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Originally Posted by sdn40
Just gonna toss this out there. Sometimes it's cheaper to build up than out. Depends on usage. Scissors trusses etc etc
+10 Depending on local rules, it can be the only way. In my town, any building NOT attached to the house is limited to 600 square feet. But they measure outside dimensions rather than height. So a TALL garage can be the best use of the footprint.
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Old 11-22-19, 04:44 PM
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I'm glad things are progressing well on recovering from your fire. I was a volunteer fire fighter for 20 years, so I have been to more than a few of those scenes. For rebuilding, make sure you are clear on the rules for your area. I have seen some issues where the homeowner and the zoning board disagreed about how to rebuild. The worst one was the homeowner just wanted to rebuild their house exactly like it was. You would think that wouldn't be an issue, but the cleanup crew cleared the whole house off the foundation. The zoning inspector argued that greater than 75% made it a new construction, so it had to be built to the current code. They eventually worked it out, but it delayed construction. Where I live, zoning regulations limit the height of out-buildings to 22 feet in residential zones, or 26 feet in agricultural zones. That makes it tough to build a two story garage with a peaked roof. I wanted to be able to park an RV in my barn, so my walls are 12 feet high. With a 5-12 pitch on the roof, I am right at the limit on height. It is easier to build a larger building. You can go up to 30% of the rear yard, but you may have to have a flatter roof.
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Old 11-23-19, 06:04 AM
  #96  
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Originally Posted by TriBiker19
It would be so tempting to add just a couple more feet in each direction...
Wouldn't it be hard to walk?
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Old 11-23-19, 06:09 AM
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OK, so we need to name Syke's new shop.

Of course, Phoenix Funbikes comes to mind. Yawn.

I prefer Pompeii Pedals, or

NoI'mNotinEnglandYouFool.

Suggestions? I know he had a sign before, but it drew a lot of landfill bikes.
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Old 11-23-19, 07:34 AM
  #98  
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Originally Posted by TriBiker19
It would be so tempting to add just a couple more feet in each direction...
It seems like tat would add a fair bit to the cost because the current foundation is higher than the surrounding cement. If he wanted to go bigger, that would have to be rectified.
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Old 11-23-19, 02:07 PM
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Originally Posted by himespau
It seems like tat would add a fair bit to the cost because the current foundation is higher than the surrounding cement. If he wanted to go bigger, that would have to be rectified.
Talking with the builder's supervisor of my job yesterday, I'm pretty much staying with the original garage, at least laterally. Attempting to turn the garage into a two bay is going to run well into five figures over just rebuilding the garage, for starters it wouldn't be a matter of just expanding the base, but breaking up the original base and starting over. And that back yard at that point gently slopes downward. Definitely out of my budget. Still considering the height idea, although mostly for gaining storage space.
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Old 11-23-19, 02:14 PM
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Not a surprise. Concrete work is expensive which is why I mentioned a loft.
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