OT: Off-Topic Thread - It's Summer!!!!!!
- Thread starter smithformeragent
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Terrier
Registered User
The KHL, best source of hockey fodder in the dead of August.
http://thecomeback.com/puckdrunklov...have-from-a-hockey-skate-during-khl-game.html
http://thecomeback.com/puckdrunklov...multiple-players-opposing-team-walks-out.html
http://thecomeback.com/puckdrunklov...have-from-a-hockey-skate-during-khl-game.html
http://thecomeback.com/puckdrunklov...multiple-players-opposing-team-walks-out.html
hoss75
Registered User
That one guy trying to punch every opposing team member in the face. That's new. Should have been a 5 on 4 for the rest of the period.
LouJersey
Registered User
I have no idea what I used to do in my life before the slapstick comedy known as the Internet came into existence.
Scotto74
taking a break
you know what sucks.
when a $2,300 job to replace clapboard and trim on a small section of the front of your house turns into a $25,000 job because of the water damage found and I didn't even know it was leaking.
Guess I will be putting on my carpenter/electrician/plumber hats on every night and weekend from now until next summer. Time to re-do an entire bathroom inside and outside.
when a $2,300 job to replace clapboard and trim on a small section of the front of your house turns into a $25,000 job because of the water damage found and I didn't even know it was leaking.
Guess I will be putting on my carpenter/electrician/plumber hats on every night and weekend from now until next summer. Time to re-do an entire bathroom inside and outside.
Morris Wanchuk
.......
Good god that is terrifying. The previous owners of my home put vinyl over the clapboard. I am never taking that off haha.
So the bathroom leak caused rot in the walls? That made it all the way to the exterior?
Might want to check with homeowners, some rot is covered. My friend got some work covered after he found water from his roof was basically draining between two pieces of trim.
Paging BMC.
Yup, homeowners should cover that. Just went through it myself within the last year when I tore down my old deck to put up a new one. They never installed flashing on the old one and water rotted out most of my downstairs exterior wall and a good chunk of the ceiling....had no idea as none of it was visible due to the finished basement.
It was 100% covered by my insurance.
It was 100% covered by my insurance.
Scotto74
taking a break
Actually I don't know where the water came from. It has to be from the roof because the rot goes higher than any of the water pipes. Yes I am looking into homeowners my brother mentioned that last night it never even crossed my mind.
Scotto74
taking a break
oh my you are all giving me hope. I thought I was out $25k and was planning on doing all the work myself to save money.
KrejciMVP
Registered User
Scotto74
taking a break
IMO go ahead & file a claim. I won't confirm they will pay but based on what you posted here I don't see why they wouldn't. However they may find something during the investigation that would mean it is not covered, so be prepared. But definitely file.
Scotto74
taking a break
Terrier
Registered User
We went through the same kind of thing in our bathroom but forgot to call the insurance to file a claim we paid about $2500.00 we thought about the homeowners insurance too late
We went through the same kind of thing in our bathroom but forgot to call the insurance to file a claim we paid about $2500.00 we thought about the homeowners insurance too late
At "only" $2500, you were probably better off not filing a claim. It's amazing how making just one or two claims can make them jack up your rates the following year.
LouJersey
Registered User
I took advantage of my "free" roadside assistance one time and my insurance went up 400 a year for three years. All insurance is great until you need it.
LouJersey
Registered User
LouJersey
Registered User
Honestly unless McDonald's has started making it I don't see how that is possible. That line is always the longest in the entire food court.. My kids love it but it looks like you can bounce the chicken higher than a basketball.
Seidenbergy are you an agent too?
This depends on the size of your deductible,how many & how big your claims are and if you are receiving loss free credit.
For example- you have $ 500 deductible on your home policy and you are getting 10% off of your premium for not having any losses. On a $1000 premium, that is $ 100. Say you have a claim for $ 1500. You're looking at $ 600 out of pocket immediately (deductible and loss free credit when your policy renews). It really isn't worth filing a claim for the remaining $ 900 because that stays on your loss history for a minimum of 36 months. Plus depending on the company, the loss free credit might not be restored until the end of that 36 months, so now you're looking at losing another $ 200.
IOW IMO file claims for the big stuff, like what Scotto74 might be looking at. And raise your deductibles- going to a $ 1000 or $ 2500 can save you money. Yes it is a lot of money out of pocket all at once if you have a claim but in the meantime you pocket the savings, which can be substantial.
Two of the things insurance companies look for when insuring a client is frequency (how often you file) and severity (how bad they are) of claims. If you have a bunch of smallish claims within the past few years on your loss history you can find yourself being non-renewed, forced to accept higher deductibles than the ones I've mentioned or being turned down if you're applying to a new company.
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JRull86
Registered User
Anyone see the new trailer for Star Wars: Rogue One that they premiered during the Olympics last night?
Looks awesome. I'd love for a Star Wars movie that has an overly serious, darker tone for the whole film, like this one appears to have.
Looks awesome. I'd love for a Star Wars movie that has an overly serious, darker tone for the whole film, like this one appears to have.
Burt Reynolds
Registered User
Just watched it for the first time right now. Looks really cool actually. I agree with you about the darker tone.
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