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?
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
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?
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!
these places that are in tornado alley should be built to a higher standard… a start would be to build them of reniforced concrete not wood. 95 percent of the town was leveled because of a f5 twister.. thank god that not many people died but more has to be done ..like shelters for the people.. real shelters made just for that reason. god bless them all.
funny but true tom haha.. its like people who build there summer houses on fire island, the sand gets washed away and they have to call the army core of enginners to put more sand in the beachs at taxpayer cost, its not right
love you patrick and thank you for being there for us and me..but maybe the goverment can help
yeah but richard i know .. but what happens when the insurance companys gotta pay these people when storms come and blow away there homes.. we all pay.lets fix the problem for once and for all.
yeah gub but some thing has to be done to help these poor people.
***Aggregate supply will increase, decrease or remain the same for each of the follwing?
A New sources of silicon are located in Wyoming.
B New laws result in an influx of highly educated immigrants.
C. A hurricane destroys 50% of the nation’s oil refining capability.
D. A new process for producing glass revolutionizes the industry.
E. If government regulations force employers to provide dental insurance, the SRAS?
F. Congress votes to increase farm subsidies by 15%.
G. Congress votes to substantially increase the minimum wage.
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!
• Only 2 percent of the federal government’s hurricane-related funding went toward education recovery.
• The costs of hurricane destruction in K-12 and higher education were estimated at .2 billion, but only .2 billion in federal funding had been committed to restoring physical structures and property. Some rebuilding funds have come from the local and state levels and insurance, but several projects are unfinished.
• Displaced students re-enrolled in schools in 49 states, but a lack of adequate federal funding meant that schools with the greatest number of displaced students had insufficient classrooms, staff and supplies to support them. The report found that as many as 15,000 K-12 public school students and 35,000 college students in Louisiana and Mississippi missed school last year due to lingering problems associated with Katrina.
• Nearly one out of every six students in Louisiana’s public colleges and universities dropped out for the 2005-06 school year. In the 2006-07 school year, more than 26,000 students from Louisiana public colleges and almost 9,000 Mississippi college students remained out of school.
This is what I hear the most.
Why do people in the south say god was behind people illnesses? Like god gave that man a heart attack, as if they think his obesity and love for cheeseburgers has nothing to do with it. His high cholestoral is not at fault. They act completely oblivious to ANY scientific reason.
Another question since I dont want to waste 10 points.
Why do people also blame things like hurricanes, tornados, etc on God? Then when these peoples houses are destroyed by them the insurance companies say its an "act of God" therefore they can screw as many people out of money as they want. Again oblivious to ANY scientific reason.
But why dont people use logical and scientifical reasoning for these things?
Correct me if Im wrong but werent alot of people not being compensated for Katrina?
Leslie G its people like you that I tutor in Biology, Earth Science, and other science. If I felt like it, I could give you a million and one scientific reasons weather occurs and im pretty sure God didnt make them, thatd be a little to complicated.
And I was born and raised for 12 years in TN but I am not a hick, im not ignorant, and I actually dont have an accent anymore. The reason im not going back is I cant stand the stupidity of the majority.
for insurance companies to drop you and then you’ll have higher premiums for the next bloodsucker! I was just dropped by State Farm and to put it plain and simple…..for 2 tornadoes, a car the caught fire on the xpress way, exploded water heater, burst UPSTAIRS washer that leaked. I’m not stupid…….these are major claims, but not ONE SINGLE CLAIM IS MY FAULT!!! I just hate the fact that companies take my money like i’m just SUPPOSED to give it to them happily. Now if I didn’t NEED insurance and had to fix it on my own, then fine, but its the law to have it…..where are the laws for these bastards and what can I do outside of going to my state’s insurance commish (Tenn.) and complaining just so my complaint can get shoved in a dark hole in some file cabinet??!??!? Thanks in advance, sincerely
-one pissed off bill payer
I live in south florida and I need to have ALL window openings protected in case of a hurricane, which includes skylights (or I dont get my insurance premium reduced). I am getting shutters for all my other windows and sliding doors, What can I do with my skylights? I doubt, although I am unsure, that they are impact glass currently. Help!
My long-term bue has Cystic Fibrosis, which causes him to have severe lung problems. Due to that medical issue, he cant travel- so guess who has to. I live a whopping 1,495 miles away from him- I live on a coast, he lives in tornado alley. 6 hours total flight time in an airplane at minimum. So now that you have the idea, lets continue. I am a senior in HS, and looking at colleges. I have no college fund, so when i found out that I got a scholarship for completely 100% free coverage for any state university, I was darn pleased with myself. But he wants me to go to college down there, so we can be together. the thing is though, I don’t know if I want to move down there and lose my health insurance, possibly to not even get a single scholarship! (I plan on going in for a sculpting major) So he cant move up here- he’ll die, thats a fact. But i don’t know if i could support myself down there. He gets extremely upset whenever i mention college up here. Id love to go down there, but I don’t want to incur a lot of debt. Not to mention I’m the one leaving my entire family, life, and my best friend behind. Any suggestions?
We had a really great windstorm here three days ago. (Might have been a mini tornado) My neighbor had a very large pine type tree in her backyard, about 50 ft tall or so. The tree was blown down in the storm, breaking off the trunk about 10 ft .from the ground. Luckily the tree fell back away from all houses around, but did land in three neighbors yards (not mine, tho.) Did some damage to one neighbor’s garage roof. My question is, who is responsible for the damage? Who pays for taking the tree away? (ironically, nothing but the trunk is left in my neighbor’s yard!). I’m just curious about this. My neighbor is a good person and will no doubt cover any expenses incurred, but I was just wondering who’s insurance covers what, etc.
They won’t LEAVE. WHAT can I DO? HELP!!!!!?
My mother and brother came to live with me two years ago after a tornado destroyed their house in another state.
Since then, my husband left for another woman 9 months after they arrived and they are driving me nuts so much that I wish that I could leave.
My brother wakes up all hours of the night. He is 44 years old and hasn’t had a job in 10 years. He is walking around and wakes me up.
My mother is negative and controlling and always sounds as if she will beat you if you don’t do what she says. She is 76. My kids are afraid of her.
I lost my job but I got the house in the divorce so I don’t have anywhere to go because I can’t afford to now.
She follows me around and listens to my phone calls. I once went out in the backyard for some privacy and I found her in the back bathroom listening through the window.
She keeps saving things lie all the little yogurt cups and when i ask her to not do that or simply throw them out, she acts as if I have hot her.
It is not Alzheimers or anything. She is perfectly capable of doing what she wants to do.
I have asked them to leave, I have given them a deadline to leave and they won’t. They have insurance money to rebuild but they keep coming up with excuses.
She does the "I never thought that my daughter would treat me this way" whine when I have had enough and absent myself from the house.
I am losing my mind. What can I do? Has anyone ever had the police come and put their mother out? I can’t make myself do that anyway.
A tornado ripped through my neighborhoos augst 19th. I called to report a claim. The main thing was a tree toppled lines that pulled the power mast from my house.
I spoke to the adjuster a day later, then he was at my house another day later, but didnt bother to knock on my door, so I didnt eget to meet him.
I had to make multiple phone calls a week later to see if he came or not. Then another 3 weeks and more multiple phone calls, and he said he did have a ‘report’, but didnt email it to me for a week.
He suggested a contractor estimate since the siding was damaged. I have old asbestos siding in a weird wood grain/vertical stripe pattern I had multiple contractors out who said this pattern is nowhere to be found. Then didnt heaar from them again for a month and the contractor i chose couldnt get ahold of anyone. Turns out my adjustor was out of town. I was very upset, they assigned a new adjustor, and one day when I was coming home from work, she and my contracotr were at my house (without bothering to tell me) to get a sample of the siding she could mail in for analysis and a match up.
Now they are saying there is a match ("reasonable), but the pattern is totally dissferent. They say all they have to do is provide a reasonable match. I live in MN, a matching state.
Now they just emailed me this estimate, to repair the back siding with the match, and about 150.00 foreach other side of my house to paint. (who is going to do it for that??) Then they have the total amount, LESS DEPRECIATION (can they do this?) less the deductable, and said a check for 2,000 is on its way. I cant get it repaired for that, and I dont agree it matches!!! I dont want my back different rom the rest of the house!
Plus they skimped on the fence repair cost, didnt include the gate, and didnt include my compost bin, ect that was also damaged. They are impossible to get ahold of and argumentative. My insurance agent isnt helpful much either. He never bothered to call me back after I reported this. HELP!!
A tornado ripped through my neighborhoos augst 19th. I called to report a claim. The main thing was a tree toppled lines that pulled the power mast from my house.
I spoke to the adjuster a day later, then he was at my house another day later, but didnt bother to knock on my door, so I didnt eget to meet him.
I had to make multiple phone calls a week later to see if he came or not. Then another 3 weeks and more multiple phone calls, and he said he did have a ‘report’, but didnt email it to me for a week.
He suggested a contractor estimate since the siding was damaged. I have old asbestos siding in a weird wood grain/vertical stripe pattern I had multiple contractors out who said this pattern is nowhere to be found. Then didnt heaar from them again for a month and the contractor i chose couldnt get ahold of anyone. Turns out my adjustor was out of town. I was very upset, they assigned a new adjustor, and one day when I was coming home from work, she and my contracotr were at my house (without bothering to tell me) to get a sample of the siding she could mail in for analysis and a match up.
Now they are saying there is a match ("reasonable), but the pattern is totally dissferent. They say all they have to do is provide a reasonable match. I live in MN, a matching state.
Now they just emailed me this estimate, to repair the back siding with the match, and about 150.00 foreach other side of my house to paint. (who is going to do it for that??) Then they have the total amount, LESS DEPRECIATION (can they do this?) less the deductable, and said a check for 2,000 is on its way. I cant get it repaired for that, and I dont agree it matches!!! I dont want my back different rom the rest of the house!
Plus they skimped on the fence repair cost, didnt include the gate, and didnt include my compost bin, ect that was also damaged. They are impossible to get ahold of and argumentative. My insurance agent isnt helpful much either. He never bothered to call me back after I reported this. HELP!!
A tornado ripped through my neighborhoos augst 19th. I called to report a claim. The main thing was a tree toppled lines that pulled the power mast from my house.
I spoke to the adjuster a day later, then he was at my house another day later, but didnt bother to knock on my door, so I didnt eget to meet him.
I had to make multiple phone calls a week later to see if he came or not. Then another 3 weeks and more multiple phone calls, and he said he did have a ‘report’, but didnt email it to me for a week.
He suggested a contractor estimate since the siding was damaged. I have old asbestos siding in a weird wood grain/vertical stripe pattern I had multiple contractors out who said this pattern is nowhere to be found. Then didnt heaar from them again for a month and the contractor i chose couldnt get ahold of anyone. Turns out my adjustor was out of town. I was very upset, they assigned a new adjustor, and one day when I was coming home from work, she and my contracotr were at my house (without bothering to tell me) to get a sample of the siding she could mail in for analysis and a match up.
Now they are saying there is a match ("reasonable), but the pattern is totally dissferent. They say all they have to do is provide a reasonable match. I live in MN, a matching state.
Now they just emailed me this estimate, to repair the back siding with the match, and about 150.00 foreach other side of my house to paint. (who is going to do it for that??) Then they have the total amount, LESS DEPRECIATION (can they do this?) less the deductable, and said a check for 2,000 is on its way. I cant get it repaired for that, and I dont agree it matches!!! I dont want my back different rom the rest of the house!
Plus they skimped on the fence repair cost, didnt include the gate, and didnt include my compost bin, ect that was also damaged. They are impossible to get ahold of and argumentative. My insurance agent isnt helpful much either. He never bothered to call me back after I reported this. HELP!!
Family won’t LEAVE. WHAT can I DO? HELP!!!!!?
My mother and brother came to live with me two years ago after a tornado destroyed their house in another state.
Since then, my husband left for another woman 9 months after they arrived and they are driving me nuts so much that
I wish that I could leave.
My brother wakes up all hours of the night. He is 44 years old and hasn’t had a job in 10 years. He is walking around and wakes me up.
My mother is negative and controlling and always sounds as if she will beat you if you don’t do what she says. She is 76. My kids are afraid of her.
I lost my job but I got the house in the divorce so I don’t have anywhere to go because I can’t afford to now.
She follows me around and listens to my phone calls. I once went out in the backyard for some privacy and I found her in the back bathroom listening through the window.
She keeps saving things like all the little yogurt cups and when I ask her to not do that or simply throw them out, she acts as if I have hit her.
It is not Alzheimers or anything. She is perfectly capable of doing what she wants to do.
I have asked them to leave.
I have given them a deadline to leave and they won’t.
They have insurance money to rebuild but they keep coming up with excuses.
She does the "I never thought that my daughter would treat me this way" whine when I have had enough and absent myself from the house.
I am losing my mind. What can I do? Has anyone ever had the police come and put their mother out? I can’t make myself do that anyway.
My mother and brother came to live with me two years ago after a tornado destroyed their house in another state.
Since then, my husband left for another woman 9 months after they arrived and they are driving me nuts so much that
I wish that I could leave.
My brother wakes up all hours of the night. He is 44 years old and hasn’t had a job in 10 years. He is walking around and wakes me up.
My mother is negative and controlling and always sounds as if she will beat you if you don’t do what she says. She is 76. My kids are afraid of her.
I lost my job but I got the house in the divorce so I don’t have anywhere to go because I can’t afford to now.
She follows me around and listens to my phone calls. I once went out in the backyard for some privacy and I found her in the back bathroom listening through the window.
She keeps saving things like all the little yogurt cups and when I ask her to not do that or simply throw them out, she acts as if I have hit her.
It is not Alzheimers or anything. She is perfectly capable of doing what she wants to do.
I have asked them to leave.
I have given them a deadline to leave and they won’t.
They have insurance money to rebuild but they keep coming up with excuses.
She does the "I never thought that my daughter would treat me this way" whine when I have had enough and absent myself from the house.
I am losing my mind. What can I do? Has anyone ever had the police come and put their mother out? I can’t make myself do that anyway.
I am planning on buying an iPhone 3G but, I want to know about how much it is going to cost me. How much is the iPhone itself, how much is activation (if i have to pay for it since i will be switching my existing sim card to it)
Besides, i have a family plan, i wont do upgrade so i’ll be having to pay full price for it, but i know that the plans for this phone are different… how will this make a difference on my existing family plan???
See my phone which was an AT&T TILT is broken thanks to a tornado, so have to replace it.
Anyways i wanna know how much would it be since I have 2 lines in my family plan, then how much would it be for unlimited Data and at least 1500 txt a month as i used to have with my Tilt, (well had both Tilts in the plan now just 1)
There is certain type of warranty for it do you have to pay for it at the store all in one shot or monthly payments of insurance or warranty for it like 69$ a year or so?
Thanks in Advance.
Remember 10 points for Best Answer!!!
My bank, Wachovia, is making me pay for hurricane insurance on the replacement value of my home instead of the amount of money I owe on the mortgage. Last year they tried the same thing but were willing to just insure the mortgage amount, This year I was told the amount would be added to my mortgage for the replacement value. This is over 3 times the mortgage amount. I refused but was told I could not. What can I do?
I know a million people have probably asked questions about the Swine Flu already. I live in Texas, and Saturday I went to my friend Daniela’s Mom’s house to drop off her kids, so we could go to the movies. He step dad was there, and he just got back from Mexico, Mexico City to be exact. That is where the outbreak is I believe. He said he was sick like vomiting and diarrhea, but that was it. He had just got over it when we came over. I was worried when he told me, but there was nothing I could do once I was there. I didn’t know any of this until we got there. We were only there for about 30 min. Now I am worried because I am pregnant and he might have had it. Ever since yesterday I’ve been sneezing, coughing, runny nose, fatigue, nausea, and I have a low fever of 99.0. What should I do? Should I go to the hospital? It is storming outside and we have a tornado warning so I’m kind of hesitant to leave. Hospital is 20 min away, well the one that takes my insurance lol. If my fever gets to 101 I will definitely go though. I just want some opinions.
Hm…I thought they said 101. Okay well if it gets over 100.4 I will go!
My husband and I put an offer on a short sale house on April 14th. It was orginally listed at 1,000 and dropped down to ,999. We were the best and highest offer that they had gotten in the 4 months it had been on the market. We offered 85,000 with them paying closing and home warranty. We are currently coming up to 4 weeks of sitting and waiting for an answer to be given. In the meantime, we had a really bad storm in our area that produced a tornado and a neighboring tree fell on the back deck of the house we wanted to buy. Now, not only are we stuck waiting for an answer, we now have to make sure that this tree is removed and the deck repaired before we can do an inspection. Thankfully the current homeowners still have insurance on the house.
How long should we wait for an answer? We are not in any rush but we are in a standstill and can’t seem to go further until we get a response.
Any suggestions/advice/opinions are welcomed to ease my fraying nerves.
They won’t LEAVE. WHAT can I DO? HELP!!!!!?
My mother and brother came to live with me two years ago after a tornado destroyed their house in another state.
Since then, my husband left for another woman 9 months after they arrived and they are driving me nuts so much that I wish that I could leave.
My brother wakes up all hours of the night. He is 44 years old and hasn’t had a job in 10 years. He is walking around and wakes me up.
My mother is negative and controlling and always sounds as if she will beat you if you don’t do what she says. She is 76. My kids are afraid of her.
I lost my job but I got the house in the divorce so I don’t have anywhere to go because I can’t afford to now.
She follows me around and listens to my phone calls. I once went out in the backyard for some privacy and I found her in the back bathroom listening through the window.
She keeps saving things lie all the little yogurt cups and when i ask her to not do that or simply throw them out, she acts as if I have hot her.
It is not Alzheimers or anything. She is perfectly capable of doing what she wants to do.
I have asked them to leave, I have given them a deadline to leave and they won’t. They have insurance money to rebuild but they keep coming up with excuses.
She does the "I never thought that my daughter would treat me this way" whine when I have had enough and absent myself from the house.
I am losing my mind. What can I do? Has anyone ever had the police come and put their mother out? I can’t make myself do that anyway.
hi I want to know do houston texas have alot of tornados or hurricaines. I wanted to move there, but if they have alot of tornados, and hurricaines then I rather not live there. Because insurance on a house probably is expensive. can some tell me about houston. the schools, night life, is it alot to do there for children.
