u/Chicken_Wing

I used to request a body check with my Tandem X2 and dexcom because the manufacturers say "we haven't tested it but you should be alright." Then, I had a job that put me on once a month, round trip flights. I got tired of hand checks and started going through the body scanners and metal detectors without issues. Every now and again, they test my hands and devices for explosives but that's it.

There's always something to fix it someone to see.

Tears - Sabrina Carpenter

Raccoon Opossum Savanna cat Bengal cat

I love small, furry, nimble animals

At one point in my late 20s, I climbed the corporate ladder and was making approximately $105k/year in 2019. Some terrible things happened and it scarred my mental health. During that same time, my partner, who wasn't my partner at the time, was making $200k/year. Now, I'm a machinist at $22/hour and my partner tends bar. We're happy for the most part even when money gets tight. Neither of us worry about a phone call after work or traveling for months at a time. I wish we got paid better but man, we don't have much stress anymore.

OOP huffed off brand spray paint and wrote this comment.

DICK NIPPLES

If that's going in a low boy, there's too many oranges. The top slices will be in the danger zone since the refrigeration can't work above the pan shoulder.

The decision for an underwriter to cancel or non-renew a policy is strictly numbers, not an ambiguous threat. I heard a statistic once, and it's been a while so I may not remember it correctly or it's changed, that once a property insurance claim has been made, regardless of the cause of loss, that same policyholder has a 71% chance to file another claim in the next 3 years.

As the amount of claims for a policy grow, so does the risk. There's a tipping point, based on many, many more factors, where the policy doesn't make financial sense to the carrier.

It's all math.

I mean, you're making an assumption that the cause of loss in a claim is part of the risk that transferred. Your premise is faulty.

Find a contractor to fix it. I know this has been difficult for you but also, that's literally the next step. Nobody here can help you with that.

After you get an estimate, email it to the insurance company and see what they say. They may request more information or just pay it. I don't know.

What I pointed out earlier still exists. I don't know what you're asking. And frankly, neither do you. It's hard to answer a question that doesn't present itself.

There are so many intricacies to insurance that broad sweeping is nearly impossible. With the lone clarification you provided (auto claim) you changed who has the knowledge to remotely help you (as opposited to adjusters with homeowners policy knowledge).

You need to be specific.

What magic? If there's any magic on Reddit, this is literally the last place for it to appear. Also, I have no idea what your asking.

We don't know which policy is being used.

We don't know what policy type you have (i. e. Homeowners, rental dwelling, commercial...)

Your post is so vague that we neither know what you're asking or how to answer it.

Edit: for all we know, it's an auto policy

Let's put it like this: every moment that a policy is in force, the policyholder enjoys the product, which is, risk transfer.

Okay. Read over your mold coverage and special limit. $10k will not go as far as you may need.

Not a mosque, an Islamic Center, just to be accurate. But yeah.

https://www.pbs.org/newshour/nation/teen-who-recorded-san-diego-mosque-shooting-livestream-has-been-charged-with-murder-da-says

The original comment was about the riots/protesting in France and their argument that it's about Muslims (and by extension brown people) immigranting into the country.

Oh whoa! Hold up!

You've not been extended coverage and in cases of mold, that becomes real tough.

Often, in standard policies, there are exclusions for long term water damage and/or mold damage, moreso if it meets the definition of vacant.

You need to recalibrate your expectations because, I'll warn you now, your chances for a claim without coverage is high. I'm not saying with certainty that it'll be denied, but, man, it'll be hard to argue otherwise.

Disregarding all that, look up the laws that apply to you on asbestos remediation. You legally may not be allowed to make any repairs personally.

Don't count your chickens or eggs or anything until you know you have coverage for your loss.

Wait for the adjuster to inspect and extend coverage before you start making remodeling plans.

Start at square one: is your loss a covered loss?

Here I go, making assumptions.

It sounds like you don't have a damage estimate from your insurance claim yet, which means nobody has inspected for damage, which means nobody has determined the cause of loss, which means you've not been extended coverage yet.

Start by establishing if you have coverage for your loss. You'll need to read the entire cause of loss section, exclusions, and then, your endorsements which may contain their own causes of loss and exclusions.

Good on you for doing research. I'm sure you know but I'll say it anyway: any additional costs you incur from changes, upgrades, or modifications will not be covered in the settlement. Good? Okay.

Most of what you're talking about sounds standard. Hard to know how to guide you on increasing your settlement value since:

1. We don't know what state this occurred in.

2. We don't know what finishes, beyond your countertop and flooring, you have.

3. We don't know if you even have coverage for the loss. That is, if you have a named peril policy or all perils policy; homeowners v. rental dwelling policy; if you have an exclusion or endorsement for the loss. For example, you could have an all perils policy but limits settlement to $10k. Or, you could have a named peril policy that excludes an iron pipe system. We just don't know the true nature of the loss or what your policy says about it. I'm going to assume you've already been extended coverage. If they haven't, then you can't count on any settlement and you'll need to ask a different set of questions all together.

I'll make a lot of assumptions to try to answer your questions. Very generally the cost of repairs are the cost of repairs. What I mean by that is that an adjuster will write an estimate based on the average cost of repairs for that like, kind, and quality of materials and installation. These numbers are derived from polling done by a 3rd party company from contractors in your area. Basically, the contractors around you price themselves because they use the same estimating software as insurance companies. Changes in price will vary based on what contractors change. What shouldn't change is the scope of repairs. How much stuff is being done, regardless of money.

From what you've said, assuming coverage was extended for this loss, you should expect new lower cabinets (assuming they're not custom) that were directly damaged, finish matched to the uppers, replaced hardwood boards that were directly damaged, refinished area floor, detach and reset of the countertop, sink, whatever didn't have direct damage.

As for getting more money for your settlement, you gotta prove it. Even then, it'll be difficult since, as I said before, your carrier's numbers come from the same people, contractors, who you might use to increase the value. You may find, and this is super common, that contractors pad their estimates once they know it's an insurance claim. You might have a $10k loss, a contractor hears it's for insurance money, and now a plank of flooring is $1k and using gold staples. This is a mismatch of scope. Not all contractors are like this, but, there's enough.

This is my long way of saying, yes. You can get contractors estimates for repairs to prove there's a difference in cost, but don't expect much. Contractors should be fairly close to what the insurance estimates, in cost. Finding a difference in scope is a much better way to get an accurate settlement. As you said, you have select quality flooring. Make sure that's in the estimate. I don't see replacement of all the lower cabinets, and even less so for the upper cabinets. They must have direct damage from the loss, unless, you live is a state that mandates this expanded scope. Likewise for refinish on undamaged doors. As for the broken door, I'd be remarked if that was necessary for tear-out and that's up to the people who did tear-out to fix. (Ask them if they would replace all the cabinets in your kitchen for that damage)

Settlement... Okay. So, what equity? Claims are not for this purpose. They are to compensate you for your loss, less your deductible, as long as the loss is covered in your policy, in an ideal world. The cost of repairs are the cost of repairs. That's all there is to it.

I don't know if this applies to you, but carriers write settlement drafts to the owners, yes, but also any lienholders you may have. If you have one, your lienholder might have a say in how that money is spent and not allow you to make and not release those funds without a contract for repairs.

As for the released depreciation (2nd check), I always released those funds if the work was completed, regardless if it was by a professional or by someone crafty. Your time is worth something. Now, if you want to claim general contractor overhead and profit, you can kick rocks. Other adjusters have a different philosophy about it though.

Again, I'm making a massive amount of assumptions. Take it with a mountain of salt.

Callao is on the coast, 3 meters above sea level on average...

I lived in Texas at 400 feet above sea level, and in the Colorado Rockies at 8,400 feet above sea level, and I've noticed no serious change to my blood sugar, all other things equal.

What I suspect from people who report a difference in blood sugar readings is that, typically, people who go to higher elevations are active in doing it (i.e. Hiking or skiing). Then there's an association.

OP, just keep an eye on your blood sugar, bring a juice bottle/your choice of quick sugar, and enjoy yourself.

I remember hearing Metallica on the classic Rock station. Ayo, what the fuck?!

https://giphy.com/gifs/26CaMOXjjDM3Xl2s8

$270 now but it's also a tip. That's in addition to their Uber commission and less gas. Pretty good.

They cancelled this Superbowl. Anyway, broncos are going to take it 28-17. Bo scores a rushing TD. Defense gets a touchdown too. Then, people will respect the broncos (hint: they won't).

It should but it's subject to the terms and conditions of the gap policy. Call up your gap carrier, report the loss, and go from there. Nobody here can answer what your gap insurance will do conclusively.

That balance is your balance from buying a car above the actual cash value.