My house was damaged by a tornado (severely). State farm offers an hour for cleanup and repairs the customer makes on the house.

My total was 0.
Is there a cap on how much you can earn?
There are other people who earned money too. So is the cap only per person? Or does it go for everyone?
And I’m not doing repairs, I’m just cleaning up debris. And by my house I meant my parents house. I’m 13. Apparently there is no age limit.

Technorati Tags: cleanup, debris, money, parents, state farm, tornado

My car has a nada value of ,000 stock and a kbb value of ,500 stock but my car has an aftermarket bodykit, paint, rims, stereo, turbo, ect, i have ,000 in aftermarket parts coverage and fair market value of my car the way it sits is probably about ,000. So my question is if say a tornado took my car away, how would they decide what my car is worth and how much to pay?
My car has a nada value of ,000 stock and a kbb value of ,500 stock but my car has an aftermarket bodykit, paint, rims, stereo, turbo, ect, i have ,000 in aftermarket parts coverage and fair market value of my car the way it sits is probably about ,000. So my question is if say a tornado took my car away, how would they decide what my car is worth and how much to pay? Those values are for private party in great condition.

Technorati Tags: aftermarket bodykit, aftermarket parts, fair market value, paint, private party, rims, stock, tornado, value of my car

Ok so three days ago my garage burned down. A lot of stuff was destroyed, including my grandpa’s car. It sucks because it was one of the only things we had left of him. Luckily, nobody got hurt, but we’ve all had to move out. We can’t move back in for two months. I’ve had to adjust to a lot of things, living in a household with nine people, borrowing clothes from friends, and being treated like a charity case. I really missed my iPod and cell phone. They weren’t damaged, but we had to leave it there for insurance purposes. I was upset because I wanted something to stay normal. Nothing is normal anymore! When I got them back my dad yelled at me and called me selfish. I realized that I was being selfish, a lot of times in fires everything gets destroyed. So I thought about starting a charity to raise money for toys for kids who have been in disasters like hurricanes, tornadoes, fires, etc. Insurance companies always take so long to give you money, and you always have to pay for it first anyway. So does it sound like a good idea? Also, how does one start a charity?

Technorati Tags: cell phone, charity case, clothes, dad, disasters, fires, grandpa, household, hurricanes, insurance, insurance companies, insurance purposes, ipod, money, tornadoes, toys

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME

Technorati Tags: 1997 dodge intrepid, cd player, dodge, dodge intrepid, full coverage insurance, gasoline, hail, how much is my car worth, insurance, liter, money, passanger side, rust, tornado damage

We had a tornado that caused damage to our home and our garage. We had an insurance claim adjuster out who determined that the damage to our home and garage needs to be repaired. The problem is that we live in an 1880’s home that has four gables that are covered with lead coated fish-scale cedar shakes. The damage was on two of the gables and also we had some damage to our mortar on our brick work. They also told us that we have to repair the cedar shakes. Which is very costly and if we do repair the 2 gables they will not match the rest of our home. (Style and paint color) Also we have discussed this with a couple of contractors who have explained to us that it isn’t as simple as repairing them. They will have to be removed and replaced with new due to the condition of the shakes and where the damage is on the gables. The contractor suggested vinyl on all four gables It is a very economical replacement but we will also need fascia and soffit. There is enough money to do this. The insurance company’s first check should be more than enough to cover the vinyl replacement and repair most other damage on our home. We can supplement with our own money if we run low during the home repairs. If we don’t do what they want us to do we may not get the depreciation value check that we need to make the repairs to our garage. At this point we don’t have extra funds to cover these repairs am so upset and confused. Can they cancel the claims if we don’t do what they want us to do? Do we as homeowners have rights to decide how we want our home repaired? Please respond as soon as possible. Thank You.

Technorati Tags: brick, claim adjuster, depreciation, economical replacement, fish scale, four gables, home repairs, home style, insurance, insurance claim, insurance company, mortar, paint color, tornado, vinyl replacement

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME

Technorati Tags: 1997 dodge intrepid, cd player, dodge, dodge intrepid, full coverage insurance, gasoline, hail, how much is my car worth, insurance, liter, money, passanger side, rust, tornado damage

will homeowners insurance cover it?

Technorati Tags: homeowners insurance, insurance

Al purchased & put in service a new widget (7 year item for MACRS
rules) on 12/28/06. It was the only item placed in service in ‘06. Cost
was .5 MIL. ‘06 was a bad yr for Al & he had an operating loss
before considering MACRS. The widget was used for business purposes
only. In ‘08 the widget was damaged in a tornado & Al collects
5K from his insurance company. He repaired the widget himself using
duct tape & plastic sheets passed out by FEMA. It took him a week
to repair it. He calculated that his time is worth per hr, ,000
per wk.

A. 2/28/11 Al sold the widget for 1.2 million. Compute gain or
loss, is it capital or ordinary, active or passive & current or
deferred?

B. 6/28/11 Al traded the widget for a new one. He gave the dealer
the old widget & K. Computer gain or loss & basis in the new
widget.

C. In ‘12 Al gifted the widget to his son TJ who sold it 2 weeks
later for ,975,000. Compute gain or loss for both Alvin &TJ. Is
it long or short term? Capitol or ordinary?

D. 1/15/11 Al died & the widget was left by will to his son
TJ. 1/15/13 the fair market value of the widget was .6 MIL. 2/28/13
TJ sold the widget for ,625,000. Is there any tax treatment of the
1/15/13 inheritance? How would the 2/28/13 sale be treated for tax
purposes? Is any gain or loss, long or short term, capitol or ordinary
& deferred or recognized now?

Show computation and explain conclusion.

Technorati Tags: amp, business purposes, conclusion, duct tape, fair market value, fema, inheritance, insurance, insurance company, k computer, plastic sheets, tax purposes, tornado, widget

I am 35 years old and my mother believes she can still tell me what to do. For example she used to date our insurance agent and now no longer does. She claims he beat her and is manipulative and wants us to change insurance agents. Well he came to see my daughter’s last concert, gave her flowers, and got every one ice cream after wards. When my mom and her new boyfriend came over for the other daughter’s concert she asked who the flowers were from so we told her, that got her all upset. To the point of calling me at work and said she does not want grand kidskids around her old boyfriend, we should chance insurance agents, and I broke her heart that we still talk to her old boyfriend. I told her he is a good agent helped us through a tornado and broken windshield and she still said well at least change agentsyouryoor brother found out after what he (the old boyfriend) did to my broth , my brother would be angry with me also. Another example is I can never be sick, if I do not feel good she thinks it is all a lie and should be at work. My husband has had enough, keeps on saying he will step in but never does to help me. I am to the point of "no return". Any one have any suggestions after reading that long rambling on and on? Many thanks
Sorry for the miss spelled words-broth=brother and your should have only been typed once not two times

Technorati Tags: 35 years, broken windshield, brother, flowers, heart, insurance, insurance agent, insurance agents, kidskids, many thanks, miss spelled words, mom, new boyfriend, old boyfriend, tornado, wards

I’m thinking God might punish our nation for giving more of our citizens equal protection and dignity, and allowing them to not feel like second-class citizens. John Boehner said giving more people affordable health care insurance would be Armageddon (because Jesus wasn’t in favor of helping the sick and poor, but rather for maximizing profits for the rich), so this combined with that would probably push God’s anger towards America over the top. Any thoughts? Do you think we’ll be hit by a gigantic meteor, comet, tsunami, avalanche, tornado, or something else?

Technorati Tags: affordable health care, affordable health care insurance, anger, armageddon, avalanche, class citizens, comet, dignity, god, health care insurance, insurance, jesus, john boehner, maximizing profits, meteor, tornado, tsunami

So back in 98 or so I was out with my cousin in my backyard we were looking out towards the mountains. He quickly looked at me and said "look I think that was a tornado!" I looked over to the top of the mountain and this really dark thin shape which really looked like a funnel shot back up into the clouds so fast I barely saw it. So I kept watching and about 5 seconds later this "funnel" shaped thing dropped down even faster and shot back up just as fast as it came down. The sky was very dark on the mountain and the "funnel" was pitch black as it shot down. There was no wind though we could have been about 10 miles from where it touched down.

I thought it could have been a micro burst or something as well since Arizona doesn’t get tornadoes.(We can’t say tornado or the insurance won’t cover anything) Yet I didn’t think micro bursts are visible and the "funnel" looked very much like a tornado. Just the thin, black object hitting the top of the mountain makes me think that is what it is. Before then I had never seen one so that is the closest to a tornado that I have ever seen in real life.

sorry if there is alot of mistakes its late and I’m tired. This has been on my mind alot recently and was hoping someone could tell me if this occurence was a tornado. We do get funnels at least twice each summer so that is another reason I don’t think it is that unusual for it to be a funnel.

Technorati Tags: alot, clouds, cousin, funnel, funnels, insurance, micro burst, micro bursts, mountains, occurence, pitch, sky, thin shape, tornado, tornadoes

I always seem to break my bongs I’ve gone through over 20 already and I just wanted to know if you guys could help me find a good company with bong insurance, im looking for flood,tornado and maybe some crash coverage.These glass bongs are very expensive but they are worth it BELIEVE ME.

Please and Thank you

Technorati Tags: bongs, crash coverage, flood, good company, insurance, tornado

I always seem to break my bongs I’ve gone through over 20 already and I just wanted to know if you guys could help me find a good company with bong insurance, im looking for flood,tornado and maybe some crash coverage.These glass bongs are very expensive but they are worth it BELIEVE ME.

Please and Thank you

Technorati Tags: bongs, crash coverage, flood, good company, insurance, tornado

this couple I know are struggling very much their house got completely demolished by a tornado in 2008, and they had insurance but the contractor scammed them and took the money. now they are living in a trailer about 2 miles from where the structure of their house is. the house has a frame and some plumbing but the guy left and they have 4 children and need help badly. if you know of any suggestions… like people who could donate, or fundraising tips or ideas would greatly be apprecitated thank you so much!

Technorati Tags: fundraising tips, insurance, money, plumbing, tornado

this couple I know are struggling very much their house got completely demolished by a tornado in 2008, and they had insurance but the contractor scammed them and took the money. now they are living in a trailer about 2 miles from where the structure of their house is. the house has a frame and some plumbing but the guy left and they have 4 children and need help badly. if you know of any suggestions… like people who could donate, or fundraising tips or ideas would greatly be apprecitated thank you so much!

Technorati Tags: fundraising tips, insurance, money, plumbing, tornado

Water started leaking today and got a ton of my stuff wet, i had to go upstairs (to the unfinished apartment that they are still working on) and use pipes to lead the huge leak out a window, and away from the cracks in the cement floor where the water would drip down onto my drop ceiling. The water damaged a lot of my belongings and I was wondering if the landlord is responsible for paying me for those things.

I do not have renters insurance, and the lease states something along the lines of how he is not responsible for damages incurred from a natural disaster, but im pretty sure that means more along the lines of if a tornado came and knocked the building down, not if his shotty workmanship decides the fate of my belongings. Also I’m not even on the lease. This is a pretty big 6.5 bedroom apartment and theres 10 people living in it. He is a very unprofessional landlord and It wouldnt surprised me if he didnt even realize that im not on it. So in the case that I AM and AM NOT on the lease, how would that play out for me?

If he decides to not pay up there are many MANY things i could threaten to call him out on and I would not mind making a legal thing out of this. There has got to be a dozen things that are illegal with this place. For example, our HVAC unit is in a closet, so he cut a hole in the wall just below an outlet and just fed the powercable through. All of our outlets have no frames, the ports just kinda hang loose. Not to mention during the coldest 2 months of winter the heater didnt work and i could see my breath in my room while using 2 space heaters. There are many other problems that I know for sure are against housing code. These are most deffinately unlivable conditions and could probably put him in a lot of trouble if I were to make a deal about them.

Please keep in mind with your reply that I want to know what my case is in terms of being ON and OFF of the lease since i have other roommates, that are on the lease, who would be willing to take the lead on the problem in my place. I would also like to note that i pay him rent directly so he cant plead ignorance in the fact that I live here, and Im pretty sure that is also illegal for him to do that since im not on the lease (not sure if its illegal for me also though)

Oh and sorry for rambling on but i lived in another one of his apartments last year and i think i may have been on the lease for that one (i was in the hospital during the time we moved in and i remember him looking for me when i got back to sign the lease but i cant remember if it ever happened), can that transfer over or anything to a completely new apartment in the building nextdoor, on the offchance that i did sign it?

Thanks

Technorati Tags: bedroom apartment, belongings, cement floor, cracks, drip, drop ceiling, hole in the wall, hvac unit, landlord, lease states, many things, natural disaster, pipes, powercable, renters insurance, roommates, space heaters, take the lead, tornado, workmanship

I have many times been touched by an angel. Times I was broke and I prayed for help because the cupboard was bare and I had no gas money to drive to work. A voice told me to get out of the car. I did and a rouge swirl of wind blow a 0 bill at my feet. Another time, I had to get my sick child to the children’s hospital quickly. I only had bus money for one way.I noticed an elderly lady with white gloves. She turned to me and said, ‘You are not from here are you?’ She got up and took my hand before she descended the bus steps. She never got off the bus, but disappeared. I opened my hand and in it was . Another time a still small voice whispered in my ear that a tornado was coming and to buy renter’s insurance. I thought I could not afford the insurance, so I did not buy it. But for three days I was cautious about a tornado. The third day the voice told me to leave the bedroom quickly. I did. I watched a weather report and it wasn’t quite right, but no sirens had alarmed yet.I was told to knock on neighbors doors to warn them. I managed to get three people into my bathroom when the sirens sounded. My apartment was the only corner of the building left standing. Three other buildings plus houses were blown away in the block alone. I lost my car. I talked to the insurance agent who told me that if I had paid him for renters insurance that would have covered the loss of my car. I would have gotten a check for ,000 reguardles of how much property I lost. My loss was mininal compartive to my neighbors who all lost every thing they owned. I had planned to go out to the store, but the voice wouldn’t let me go there. That store was demolished at the time I planned on being there. I am so grateful for everything that my angel has done for me.These are just a few antecdotes. I would love to hear from others if they have had similar experiences.
I did forget to type my gratitude to God for answering my prayers and sending me protection so many many times. Thanks for the heads up.Gratitude is a key to God’s heart.
My life and neighbors lives were spared miraculouly. I was able to feed my family when there was nothing there before God provided another miracle. I did not have to drive 10 miles to work on fumes. God provided again. I never ever forget what He has done so many times.I was pushed for years to find answers to have a closer relationship with God. I found a friend who taught me how to turn within and talk to God. As a result I was healed of Parkinson’s disease. I was suppossed to be in a nursing home by now, because I was having trouble taking care of my self. My friend shared this with everyone. The sad thing is that everyone so far dismisses the miracle healing. They sluff it off that I lost weight and that cures a lot. Or they change the subject. This is so weird why so many that knew how sick I was, now deny what God did for me. I am perfectly healthy now and am very grateful. I help my friend search for others who want to improve their realtionship to God and discover who they are.

Technorati Tags: angel times, antecdotes, blown away, bus money, cupboard, elderly lady, gas money, gratitude, insurance agent, renter, renters insurance, s hospital, sick child, sirens, small voice, swirl, third day, touched by an angel, weather report, wind blow

Do they have insurance? What happens during a flood, tornado, fire etc?
What about robbery?
Does the bank collect insurance on a robbery does the companybsimply lose that money as an expense?
Is it determined by the amount lost? Is there a deductible?
What happens when a bank loses cash?

Technorati Tags: flood, insurance, money, robbery, tornado

These facts have all been discussed or commented on throughout all the media outlets. Please no bashing or comparisons–just interested in people’s opinion about the following——How was this bill, going to lower my health costs when there would be a 40% tax on my premium?————-Why does this bill state that the benefits were not start until 2014 if it is so important to get it passed now?——-If this bill is the best thing for all Americans, then why were the unions exempt from paying that 40% tax?———–If this bill is good for America, why are the politicians exempt from participating in it?———-The clause that states all people can get health insurance without pre-existing conditions, why would people buy it until they get sick or need cancer treatment or heart surgery? It is like not having to pay for homeowners insurance until the tornado struck.——- These points were well documented every where, I just wanted your take oon them–again–no bashing

Technorati Tags: cancer treatment, health costs, health insurance, heart surgery, homeowners insurance, insurance, media outlets, politicians, pre existing conditions, tornado, unions

I’m seriously considering moving there (from the U.S.) so please answer only if you know for sure from personal experience:

1. Is New Zealand Anti-American? Are there negative feelings towards the U.S. or people who come from there to visit or live? I have heard that there is, and that it is somewhat of a trend.
2. What is the weather like in New Zealand? What are the seasons and average conditions for each time of year? What are the weather concerns (hurricanes, tornadoes, etc.)
3. What are job wages like? Is there a minimum wage? What is the average annual income and what do you think you’d need to live comfortably there?
4. I’ve heard that Emergency health care and basic things are covered freely for all citizens, but that you have the option to also have private health insurance on top of that? Is that true? Is the health care system good?
5. What are the downsides to New Zealand? What are their political, social, etc. problems?
6. Where are the best places to live in New Zealand, what areas are the prettiest?
7. Are clothes and food expensive, as I’ve heard quite often?

Thank you so much to any who can answer!
Also, just out of curiosity, do vehicles drive on the right side of the road (like the US) and is the wheel and driver’s seat on the left side of the car? lol thanks.

Technorati Tags: average annual income, best places, citizens, clothes, curiosity, emergency health care, experience 1, health care system, health insurance, hurricanes, job wages, minimum wage, negative feelings, new zealand, personal experience, private health insurance, time of year, tornadoes, weather concerns, wheel

I ask because in every single insurance policy there is always a mention of hurricanes, earthquakes, tornadoes and the like as ACTS OF GOD. You couldn’t very well include ACTS OF GOD in a policy if YOU DON’T BELIEVE IN GOD, now can you? So can I safely assume that no atheists work in the insurance business? After all, how can you attribute all these terrible things to the God you do not believe in?

Technorati Tags: acts of god, atheists, earthquakes, hurricanes, insurance, insurance business, insurance policy, terrible things, tornadoes

I’ll be honest. I’m messy, destructive, and quite possibly a tornado pressed into a body. I tend to break things, take actions without thinking, and get caught up in all my chaos.

Today, I woke up, and I went to wipe my glasses. I snapped one of the temples right off. Then, later that day, I decided I wanted to clean up my Itunes and my email. I was given an Itunes card. Excited, I reached for the first sharp object I could find that would eradicate that irritating silvery stuff form my Itunes card so I could use it. I scratched the code right off.

Thinking back on it, I’ve ruined numerous pieces of cheap jewelry that I love, dented a my Macbook Pro, ruined a shirt, spilled too much of my make-up out in my make-up box by knocking it over, and nearly ruined the carpet in my room by spilling some make-up on it…and now I have ruined my glasses and screwed up my Itunes card. I’ve done this all in one semester of school. And while I have managed to wriggle my way out of too horrendous repercussions, (things like protective coverings, choosing to buy CHEAP jewelry, and having decent health insurance have all saved my butt,) I know that one day my destructive tendencies will come back to bite me if I don’t change my ways.

How can I work on slowing down? What can I consciously do to keep myself from moving too fast and making silly mistakes? I know that messing things up can’t always be prevented, but oftentimes it can!

Technorati Tags: butt, carpet, chaos, cheap jewelry, decent health, destructive tendencies, email, glasses, health insurance, insurance, itunes, protective coverings, repercussions, silly mistakes, temples, tornado

Tornado? Why in the Heck should Health Insurance be any different?

If you could, it is no longer Insurance, but a care plan! Like a maintenance agreement on an appliance or car. Even those require a check-up for pre existing conditions to be repaired at your cost Before coverage begins if the appliance is not new!
Ok, Fred, Your statement proves my point! If we are paying for it now, what is the rush to pass this monstrosity of a bill that NO ONE can claim to have read, and you know the President is not going to read before he signs!

No one is being denied critical care een if they are penniless,. Does the system need fixing? Yes! Cn the government make it better? My bet is a resounding HELL NO!

Technorati Tags: bet, critical care, health insurance, heck, insurance, maintenance agreement, monstrosity, ok fred, pre existing conditions, rush, tornado

And would consider letting companies go hog wild and reduce EPA standards to create more pollution (such as the Bush administration) and create all forms of health hazards including cancers which cost tax payers and insurances much money. Ignoring all the billions in environmental damage that we have seen by hurricanes, forest fires, floods and tornadoes.

Technorati Tags: billions, bush administration, cancers, environmental damage, epa standards, floods, forest fires, health hazards, hog, hurricanes, much money, pollution, tax payers, tornadoes