Comments for HOUSE INSURANCE CALCULATOR http://insurancesolutions101.info Home Insurance Quotes and Advice Sun, 05 Feb 2012 13:50:56 +0000 hourly 1 http://wordpress.org/?v=3.0.4 Comment on Where can I find a good template to create an inventory of the house for my insurance company? by Nita K http://insurancesolutions101.info/where-can-i-find-a-good-template-to-create-an-inventory-of-the-house-for-my-insurance-company/comment-page-1/#comment-3605 Nita K Sun, 05 Feb 2012 13:50:56 +0000 #comment-3605 Free website templates http://www.e-webtemplates.com/ Free website templates

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]]> Comment on Where can I find a good template to create an inventory of the house for my insurance company? by thx1138too http://insurancesolutions101.info/where-can-i-find-a-good-template-to-create-an-inventory-of-the-house-for-my-insurance-company/comment-page-1/#comment-3604 thx1138too Sun, 05 Feb 2012 13:25:15 +0000 #comment-3604 The video tape recommendation is okay, but a digital copy placed on CD or DVD would be better. There is also software offered through most Farmers Agents called the Home Organizer. I also have a PDF file that you could use to create a paper inventory: http://www.4sandiegoinsurance.com/Home_Inventory.pdf The video tape recommendation is okay, but a digital copy placed on CD or DVD would be better. There is also software offered through most Farmers Agents called the Home Organizer.

I also have a PDF file that you could use to make a paper inventory: http://www.4sandiegoinsurance.com/Home_Inventory.pdf

]]> Comment on Where can I find a good template to create an inventory of the house for my insurance company? by mbrcatz17 http://insurancesolutions101.info/where-can-i-find-a-good-template-to-create-an-inventory-of-the-house-for-my-insurance-company/comment-page-1/#comment-3603 mbrcatz17 Sun, 05 Feb 2012 12:51:35 +0000 #comment-3603 Too funny. My brother in law is Frank Rizzo. Are you him?? Anyway. Your agent can find one for you, but it's not going to be 'good'. My recommendation is to just get a camcorder, and walk through the house. Open closets, doors, cabinets, you can do a vocal commentary the whole time. It's much more thorough, much faster to update, and much quicker than a paper inventory - AND it's more accurate, as you can just video tape serial numbers for high end items. Then you make two copies of the tape - have your agent keep one copy in your file at HIS office, and keep the other one at your work - away from the premises in case of a total fire loss. Too amusing. My brother in law is Frank Rizzo. Are you him??

Anyway. Your agent can find one for you, but it’s not going to be ‘excellent’. My recommendation is to just get a camcorder, and walk through the household. Open closets, doors, cabinets, you can do a vocal commentary the whole time. It’s much more thorough, much quicker to update, and much quicker than a paper inventory – AND it’s more accurate, as you can just video tape serial numbers for high end items.

Then you make two copies of the tape – have your agent keep one copy in your file at HIS office, and keep the other one at your work – away from the premises in case of a total fire loss.

]]> Comment on house damage insurance claim due to hurricane? by barryfl http://insurancesolutions101.info/house-damage-insurance-claim-due-to-hurricane/comment-page-1/#comment-3602 barryfl Sat, 04 Feb 2012 20:05:37 +0000 #comment-3602 most of the adjusters arent stupid. they will see you didnt replace the roof. you should have worked with the adjuster and the contractor 3 years ago to get the pricing right and replaced the roof. most likely you wont get anything this time. not a policy violation... if the roof was properly repaired last time...maybe you wouldnt have sustained any damage. who knows. most of the adjusters arent obtuse. they will see you didnt replace the roof.
you should have worked with the adjuster and the contractor 3 years ago to get the pricing right and replaced the roof.

most likely you wont get anything this time. not a policy violation…
if the roof was properly repaired last time…maybe you wouldnt have sustained any hurt. who knows.

]]> Comment on house damage insurance claim due to hurricane? by Gambit http://insurancesolutions101.info/house-damage-insurance-claim-due-to-hurricane/comment-page-1/#comment-3601 Gambit Sat, 04 Feb 2012 19:30:13 +0000 #comment-3601 You wouldn't violate the policy, however the amount of the payout will be reduced. However this is a far better scenario than lying and saying it was, because you will be found out. Then you'll have to tell another lie to cover up the first and so on until you'll be left with no insurance and a damaged roof. Therefore tell the truth. You wouldn’t violate the policy, but the amount of the payout will be reduced. But this is a far better scenario than lying and saying it was, because you will be found out. Then you’ll have to tell another lie to cover up the first and so on until you’ll be left with no insurance and a hurt roof. Therefore tell the certainty.

]]> Comment on house damage insurance claim due to hurricane? by Charlie D http://insurancesolutions101.info/house-damage-insurance-claim-due-to-hurricane/comment-page-1/#comment-3600 Charlie D Sat, 04 Feb 2012 19:29:18 +0000 #comment-3600 The adjuster should be able to see that the roof is over three years old, and that you didn't replace it. Insurance paid for it once, they won't pay for it again. The adjuster should be able to see that the roof is over three years ancient, and that you didn’t replace it.
Insurance paid for it once, they won’t pay for it again.

]]> Comment on house damage insurance claim due to hurricane? by BR Tiger fan http://insurancesolutions101.info/house-damage-insurance-claim-due-to-hurricane/comment-page-1/#comment-3599 BR Tiger fan Sat, 04 Feb 2012 18:54:38 +0000 #comment-3599 You were compensated for the DAMAGE to the roof, not for the REPAIR of the roof. If you chose to not replace it, but rather patch it, that is your prerogative. However, don't look for them to pay out the same amount again this time. You were compensated for the DAMAGE to the roof, not for the REPAIR of the roof. If you chose to not replace it, but rather patch it, that is your prerogative. But, don’t look for them to pay out the same amount again this time.

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