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About flranger

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    Central, Florida

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    Tampa Bay Buccaneers

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  1. Ready for Bron' to show up big tonight. Damn I hope this is a decent game. ETA: on pace for 64/8/20 after first qtr
  2. That Pats/Steelers game was pretty awesome, but yeah
  3. or a kick in the balls
  4. Yep, I've spent time as claim adjuster, homeowners underwriter, underwriting manager, and Special Investigative Unit manager for the last 12 years. I'd cash the check. It's not impossible that estimates are overwritten intentionally, especially in storm damaged areas. If its enough to keep it closed and people can start repairs its a good thing. They actually do want you to get your home back to normal. So a little is left over. Beats fighting over every inch of siding and shingle. Because trust me, if insurance overpaid 10-20% on a claim it might never come back up. But by God, if you are $3 short it will come back up and you'll have more things to fight about. I've seen after Floyd brushed Florida where all roofers in a specific county essentially banded together and said we will do no repairs. Replace only. And property owners had minimal damage, but not one single contractor could be found that would repair roofs. And so with that, lots of repairs became replaces. Trust me, they want you to take the check, get the repairs done, and get back to life as normal. If they accidentally included a little extra, don't worry about it, they will get it back.
  5. A closed claim is a good claim. Signed:. Claims adjusters everywhere
  6. Buy replacement furniture and submit the receipt, typically within a set amount of time (180 days to a couple years as established by contract). If the furniture was $100 new and you were paid say $70 for actual cash value (after depreciation) you will need to spend the full $100 to get the $30 withheld back. Sending in receipts for $70 likely wouldn't get you anything. Option two is what I would do, it is the company established procedures estimate and if they are willing to pay off of that, I would just fall in line with it. Shark move (there are many) is if you did any cleanup yourself from the storm, ask about getting paid for those hours you and family worked at a general labor wage rate, some companies have this or you can throw out something maybe $25 per hour. Ask first if they will reimburse you for your time spent, then set the hourly rate BEFORE you establish the hours. You won't get paid for the time handling the claim but you could get paid for some of the labor if you did any.
  7. OK, that's what I interpreted. Based on that, I'd have the same recommendation: My recommendation would be to find a contractor that can not only write the estimate, but most importantly do the work. It can be a lot harder than one might think finding qualified contractors to do major repairs. The insurance company has paid for repairs based on an estimate. If the estimate is "good", they would not be liable to pay more because a contractor quit working. In a large fire loss, it is really common to have supplemental repairs needed due to hidden or unobserved damage. It's not like a car where repairs are a lot more predictable. But if you don't have a contractor who is able to scope those additional damages, the insurance company has no basis to pay additional money. Most insurance policies have dispute resolution processes and some states require mediation. And of course there is the ability to file suit. But if you don't even have another contractor yet who can say where the insurance company has not properly scoped the repairs, there is no reason for them to get back involved. The big problem is you have a civil issue with the chosen contractor. I could be wrong, but understanding the industry as I do I'm pretty sure the contract for repairs is between you and the contractor. @Henry Ford may have some advice on this as I believe he has some litigation experience with homeowners policies. Nothing good happens until you find a qualified contractor who can actually do the repairs. I'd focus heavily there. BTW: I forgot to add initially, sorry to hear about the fire loss. It is a major hassle for certain and disruptive to your family. I wish you the best getting back into your home, and believe the quickest way to do that is finding a qualified contractor who can actually do the repairs.
  8. Forgive me if I'm reading this wrong, but did you say that the bank already has the funds? If they do, wouldn't that infer that the insurance has paid for the projected repairs? If SF paid based on the estimate and a contractor just quit working, I don't see how that is the insurance company issue if they have paid for repairs. It is essentially a civil issue between the owner of the property and the repair firm. Now its a different issue of course if some of the damages were not assessed or included initially, which is not terribly uncommon on major repairs. My recommendation would be to find a contractor that can not only write the estimate, but most importantly do the work. It can be a lot harder than one might think finding qualified contractors to do major repairs.
  9. That wasn't my impression Yea, a smattering of boos may have been mixed in but my impression was there was a lot of cheers. I liked seeing him there, too bad it's probably just to give the finger to the NFL.
  10. My situation was similar but without the crazy. Mine was also a discussion of divorce for the last four of a 12 year destructive marriage and I decided in May 2014, divorced in November of same year. At time of divorce I was 43 with twin daughters age 11. Shared custody situation. Personally, I wouldn't introduce her to your son at all, unless you get to the point where one of the two of you is moving to a location where the two of you could possibly live together or spend significant time together. Once a week is super easy to keep things going good. So why not just do that, keep it light. It's only been a month post divorce. For the record, I ended up waiting about 2 years before introducing my kids to someone. Also, the reality of the situation is that while spending time with a new friend is a nice diversion, the overwhelming likely hood is that the relationship does not work out long term. From my experience, I'd argue you are better off meeting other people anyways, or even better to spend time single to get to know yourself and what you really want out of life for you and your son. There will always be plenty of chicks out there...
  11. Agree. But far less helpful than imagined...
  12. Why on earth would you go to Iceland with two little kids?