additional prayers.
we hope all is well.
a practical matter.
if you have damage...
call your insurance agent and or ins. claims office and report your damage.
be clear. give them an accurate description of your damage.
let them you that you need help with a place to live, until your house is rebuilt.
if you know of a rental that is available and the cost, go ahead and tell them about it.
ask if they can honor a request for 1,000/month for a rental or whatever...
the rentals will get taken quickly...
start taking pictures and inventory lost personal items.
what, cost new, cost new now, when bought, where bought for each item.
buildings... start figuring out what it will take to fix..
if you can fix yourself..
calculate labor and materials and show how you got the numbers..
many ins. companies will make their own calculations. if their numbers are more than yours,
congrats.
if their numbers are less than yours, you will be able to quickly review what you have figured and compare with theirs.
the claims folks will be under pressure from their management to close claims (get them paid)
keep your cool.
don't just shout, that aint enough.
calmly explain that he forgot about your fireplace and to rebuild a fireplace is about 6,000.
show him a picture of the fireplace at christmas, or show the claims person where the fireplace foundation was.... then say, "sir, if you can add the fireplace, we are good to go"
1 you were calm. he may move the calm guys file to the top of the stack.
2. all he's got to do is add the fireplace to his calculations and he can get you payment coming,
3. he can count your claim as one that is closed. and then go on to the next one.
some folks can't stand it and just want to holler... sometimes there is a place for that.
but, that usually doesn't get yours paid quickly....
God bless.
oh yeah, and everyone that didn't get hit... this sounds like a huge hit to the industry, financially.
get ready for higher rates next year!
this is one reason, to resolve this in a calm manner... some companies will be cancelling folks after this mess is resolved. if you can resolve your claim in a positive manner, you increase your chance of retaining your coverage with the same carrier for a reasonable rate.
we hope all is well.
a practical matter.
if you have damage...
call your insurance agent and or ins. claims office and report your damage.
be clear. give them an accurate description of your damage.
let them you that you need help with a place to live, until your house is rebuilt.
if you know of a rental that is available and the cost, go ahead and tell them about it.
ask if they can honor a request for 1,000/month for a rental or whatever...
the rentals will get taken quickly...
start taking pictures and inventory lost personal items.
what, cost new, cost new now, when bought, where bought for each item.
buildings... start figuring out what it will take to fix..
if you can fix yourself..
calculate labor and materials and show how you got the numbers..
many ins. companies will make their own calculations. if their numbers are more than yours,
congrats.
if their numbers are less than yours, you will be able to quickly review what you have figured and compare with theirs.
the claims folks will be under pressure from their management to close claims (get them paid)
keep your cool.
don't just shout, that aint enough.
calmly explain that he forgot about your fireplace and to rebuild a fireplace is about 6,000.
show him a picture of the fireplace at christmas, or show the claims person where the fireplace foundation was.... then say, "sir, if you can add the fireplace, we are good to go"
1 you were calm. he may move the calm guys file to the top of the stack.
2. all he's got to do is add the fireplace to his calculations and he can get you payment coming,
3. he can count your claim as one that is closed. and then go on to the next one.
some folks can't stand it and just want to holler... sometimes there is a place for that.
but, that usually doesn't get yours paid quickly....
God bless.
oh yeah, and everyone that didn't get hit... this sounds like a huge hit to the industry, financially.
get ready for higher rates next year!
this is one reason, to resolve this in a calm manner... some companies will be cancelling folks after this mess is resolved. if you can resolve your claim in a positive manner, you increase your chance of retaining your coverage with the same carrier for a reasonable rate.
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