Dozerboy, after the first incident, the insurance company would be called, and someone would show up to assess the situation, give recommendations and I'd have to do as they say. I can't argue with you on installing extra measures sometimes does little good, just that if I don't take those actions, I wouldn't get paid for that damage without a lot of hassle, if it kept up, and the insurance company couldn't figure out how to stop or prevent it, which at this point in time, has never been the case yet, I'm not sure what they'd do or require, I've never asked that question, nobody else at any seminar over the years has asked it either.
I never used to take heed of much they said up until I got the first cancellation notice in the mail, and the first manditory insurance seminar workshop I had to attend. Now my state also requires by law to have insurance on my vehicles, and most of my customers require me to carry insurance on my business, so until changes are made in policy, I need the insurance to remain in business, period. If they deem I do certain things that make little sense, they in turn get what they want, is it legal, I'm not sure, exactly, does it cover every situation and every circumstance, probably not, but the first requirement they have is locking everything up that they have coverage written on, its pretty simple, or else.
I used to resist going to the insurance meetings and update meetings, but after the first few, I've come full circle and now view things in a far different way, every new person there for the fist time has the mentality of I've done what I can, its someone else's fault, not mine, after a few update meetings, they come to view it completely different, a more proactive approach to the problem and prevention approach instead of a how they used to view it. If your state doesn't require this, fine, if your insurance companies don't either, great for you, but since my unreal world does, I guess I'll keep doing what keeps me in business, and thefts and vandalism to about zero, you'll have to worry about how everyone's kids are raised and how bad society is a a whole, I'll keep figuring out how to prevent things, not how to fix things after the fact, and oh by the way, I think I can handle locking my truck doors as well, and have been told how to prevent someone from breaking into something to find out there's nothing worth stealing, it was covered in a seminar I had to attend, never had issues since either, didn't do me much good to blame anyone else either, that didn't solve the problem, education did though.
I think I'll continue living in my world, it has far less issues of theft, vandalism, insurance claims, property damage and when I did have some, I've got people to assist to help solve the problem which in turn helps to lower my insurance costs even more, through lower premiums due to few or no claims, its also been over 20 years since I've had an vandalism or property damage either, I"m thinking education helped, since others around me have had always had issues, is my day coming, probably, but I know for a fact, my older thinking, like some still have it would have been far worse all these years. Just an observation to ponder over.
