Re: [BlindHandyMan] home owner insurance
Jennifer, very glad to read you are making good progress and also glad to hear you had some volunteers come by. the person who will be staying with you for a couple of months , well you do what is called bartering. also a side note in regards to your name and a correction to anyone else who took the name Jennifer to mean Nurse Jennifer who lives in the State of Missouri and I do not believe Nurse Jennifer was ever on the blind hamdyman list . continued good luck to you. Lee On Mon, Sep 06, 2010 at 10:02:14PM -0500, Jennifer Jackson wrote: Hello Everybody, Well a lot of work was finally accomplished at my house this weekend. It is not everything that needs to be done and some of it still needs some finishing work to make it look pretty, but at least it is not looking derelict anymore. I spoke to my husband over and over about the money and the mortgage and he just acted like I was exaggerating. He finally agreed to do it after we had a big fight and I acted badly, but that is apparently what it took. He put in about 12 hours on Friday, and then even more hours on Saturday, with another long day on Sunday and Monday. He should have left for Baltimore on Monday at noon, but he stayed until later to finish some things up. I plan to start calling some places today and trying to get someone to agree to insure us if we take on a monster deductible or something. My husband insisted he was going to take care of that, but he did not and if I can not get him to do it while he is in the same house with me I do not expect to have any more control from half a country away. He is gone for 5 weeks this time. I do have an unexpected houseguest who will be here for the next couple of months and she will be helping me with finishing up the painting and the like as she needs a place to stay for a while. That is another long story and off topic, but I am glad to have the help. My boys were great too. Even the four year old did some work. We used the Tom Sawyer method and it is amazing what they were willing to do in exchange for a turn with the paint roller. I really appreciate your empathy and support. I do not know what to do to keep my husband involved so these things do not all build up again, but it was good to know that I was not out of line in my expectations either. On the up side, the kids are now in school and my youngest receives all of his therapy at school during school hours except one session at home once a week. This means I have time to get some things done that require concentration and no extra hands in the mix. I had actually already started working on things during the first week of school before the insurance letter turned this into an urgent issue. It would have taken me much longer to do it that way too. I had five other adults in over the weekend who all put in at least one full day, and some of the two days, of free labor. I also have a handy man coming to finish of the living room celling tomorrow. Thanks again. Jennifer _ From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Claudia Sent: Friday, September 03, 2010 3:24 AM To: blindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance That's correct; the mortgage company will make sure that you have insurance, as they need to protect their investment, and it's much more costly than your conventional insurance, thus driving up your monthly payment. Claudia - Original Message - From: Dan Rossi To: blindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com Sent: Tuesday, August 31, 2010 7:47 AM Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 __ Information from ESET Smart Security, version of virus signature database 5408 (20100830) __ The message was checked by ESET Smart Security. http://www.eset.com __ Information from ESET Smart Security, version of virus signature database 5419 (20100902) __ The message was checked by ESET Smart Security. http://www.eset.com [Non-text portions of this message have been removed] [Non-text portions of this message have been removed] -- Think honk if you're a telepath.
RE: [BlindHandyMan] home owner insurance
Hello Everybody, Well a lot of work was finally accomplished at my house this weekend. It is not everything that needs to be done and some of it still needs some finishing work to make it look pretty, but at least it is not looking derelict anymore. I spoke to my husband over and over about the money and the mortgage and he just acted like I was exaggerating. He finally agreed to do it after we had a big fight and I acted badly, but that is apparently what it took. He put in about 12 hours on Friday, and then even more hours on Saturday, with another long day on Sunday and Monday. He should have left for Baltimore on Monday at noon, but he stayed until later to finish some things up. I plan to start calling some places today and trying to get someone to agree to insure us if we take on a monster deductible or something. My husband insisted he was going to take care of that, but he did not and if I can not get him to do it while he is in the same house with me I do not expect to have any more control from half a country away. He is gone for 5 weeks this time. I do have an unexpected houseguest who will be here for the next couple of months and she will be helping me with finishing up the painting and the like as she needs a place to stay for a while. That is another long story and off topic, but I am glad to have the help. My boys were great too. Even the four year old did some work. We used the Tom Sawyer method and it is amazing what they were willing to do in exchange for a turn with the paint roller. I really appreciate your empathy and support. I do not know what to do to keep my husband involved so these things do not all build up again, but it was good to know that I was not out of line in my expectations either. On the up side, the kids are now in school and my youngest receives all of his therapy at school during school hours except one session at home once a week. This means I have time to get some things done that require concentration and no extra hands in the mix. I had actually already started working on things during the first week of school before the insurance letter turned this into an urgent issue. It would have taken me much longer to do it that way too. I had five other adults in over the weekend who all put in at least one full day, and some of the two days, of free labor. I also have a handy man coming to finish of the living room celling tomorrow. Thanks again. Jennifer _ From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Claudia Sent: Friday, September 03, 2010 3:24 AM To: blindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance That's correct; the mortgage company will make sure that you have insurance, as they need to protect their investment, and it's much more costly than your conventional insurance, thus driving up your monthly payment. Claudia - Original Message - From: Dan Rossi To: blindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com Sent: Tuesday, August 31, 2010 7:47 AM Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 __ Information from ESET Smart Security, version of virus signature database 5408 (20100830) __ The message was checked by ESET Smart Security. http://www.eset.com __ Information from ESET Smart Security, version of virus signature database 5419 (20100902) __ The message was checked by ESET Smart Security. http://www.eset.com [Non-text portions of this message have been removed] [Non-text portions of this message have been removed]
RE: [BlindHandyMan] home owner insurance
Jennifer, You poor deer! Hope the best for you. You are in a bad situation. At 10:02 PM 9/6/2010, you wrote: Hello Everybody, Well a lot of work was finally accomplished at my house this weekend. It is not everything that needs to be done and some of it still needs some finishing work to make it look pretty, but at least it is not looking derelict anymore. I spoke to my husband over and over about the money and the mortgage and he just acted like I was exaggerating. He finally agreed to do it after we had a big fight and I acted badly, but that is apparently what it took. He put in about 12 hours on Friday, and then even more hours on Saturday, with another long day on Sunday and Monday. He should have left for Baltimore on Monday at noon, but he stayed until later to finish some things up. I plan to start calling some places today and trying to get someone to agree to insure us if we take on a monster deductible or something. My husband insisted he was going to take care of that, but he did not and if I can not get him to do it while he is in the same house with me I do not expect to have any more control from half a country away. He is gone for 5 weeks this time. I do have an unexpected houseguest who will be here for the next couple of months and she will be helping me with finishing up the painting and the like as she needs a place to stay for a while. That is another long story and off topic, but I am glad to have the help. My boys were great too. Even the four year old did some work. We used the Tom Sawyer method and it is amazing what they were willing to do in exchange for a turn with the paint roller. I really appreciate your empathy and support. I do not know what to do to keep my husband involved so these things do not all build up again, but it was good to know that I was not out of line in my expectations either. On the up side, the kids are now in school and my youngest receives all of his therapy at school during school hours except one session at home once a week. This means I have time to get some things done that require concentration and no extra hands in the mix. I had actually already started working on things during the first week of school before the insurance letter turned this into an urgent issue. It would have taken me much longer to do it that way too. I had five other adults in over the weekend who all put in at least one full day, and some of the two days, of free labor. I also have a handy man coming to finish of the living room celling tomorrow. Thanks again. Jennifer _ From: mailto:blindhandyman%40yahoogroups.comblindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Claudia Sent: Friday, September 03, 2010 3:24 AM To: mailto:blindhandyman%40yahoogroups.comblindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance That's correct; the mortgage company will make sure that you have insurance, as they need to protect their investment, and it's much more costly than your conventional insurance, thus driving up your monthly payment. Claudia - Original Message - From: Dan Rossi To: mailto:blindhandyman%40yahoogroups.comblindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com Sent: Tuesday, August 31, 2010 7:47 AM Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: mailto:dr25%40andrew.cmu.edud...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 __ Information from ESET Smart Security, version of virus signature database 5408 (20100830) __ The message was checked by ESET Smart Security. http://www.eset.comhttp://www.eset.com __ Information from ESET Smart Security, version of virus signature database 5419 (20100902) __ The message was checked by ESET Smart Security. http://www.eset.comhttp://www.eset.com [Non-text portions of this message have been removed] [Non-text portions of this message have been removed] __ Information from ESET Smart Security, version of virus signature database 3975 (20090330) __ The message was checked by ESET Smart Security. http://www.eset.comhttp://www.eset.com [Non-text portions of this message have been removed]
Re: [BlindHandyMan] home owner insurance
Jen, If you have essential repairs that need to be made, you should see if your city offers no-interest or forgiveable loans, for rehab projects. These loans are usually based on income, minority status or disability. In our city, we have such a loan program; however, it is so good that there is a pretty long waiting list, almost two years. Barring that, do you have family that could help you make some of the needed repairs? The fact that you've had two flood claims in the past year may make it difficult for you to get affordable insurance as well. I'll keep thinking on this situation. Claudia - Original Message - From: Jennifer Jackson To: blindhandyman@yahoogroups.com Sent: Friday, August 27, 2010 5:30 AM Subject: [BlindHandyMan] home owner insurance Hey Everyone, I have myself in a difficult spot and I do not know how to ask what I need without giving some of the back ground. It will not help me to get advice that does not take in the full picture. My home owner's insurance is about to be canceled. Essentially this is based on our not keeping our home in good repair. My husband is in total denial about it being our fault, but he is wrong. So my two questions are how do I get insurance on a house when I have had two water damage claims in the last year, and wat are the main things to try and get looking decent before the inspection. I do mean essential too. My yard is over grown and I have holes in my walls and ceilings. I do not know how to make my husband care enough about where we live to be better about this. My hope is that now that the kids are all in school I will be able to do some of these things myself. It has just become urgent because I have got to get someone in here to inspect and approve us for new insurance. I am sorry I am not sounding to optimistic here, but I just had another big fight with my husband about the roof and other needed repairs. I am feeling a little to drained to sound positive. Jennifer [Non-text portions of this message have been removed] __ Information from ESET Smart Security, version of virus signature database 5408 (20100830) __ The message was checked by ESET Smart Security. http://www.eset.com __ Information from ESET Smart Security, version of virus signature database 5419 (20100902) __ The message was checked by ESET Smart Security. http://www.eset.com [Non-text portions of this message have been removed]
Re: [BlindHandyMan] home owner insurance
That's correct; the mortgage company will make sure that you have insurance, as they need to protect their investment, and it's much more costly than your conventional insurance, thus driving up your monthly payment. Claudia - Original Message - From: Dan Rossi To: blindhandyman@yahoogroups.com Sent: Tuesday, August 31, 2010 7:47 AM Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu Tel: (412) 268-9081 __ Information from ESET Smart Security, version of virus signature database 5408 (20100830) __ The message was checked by ESET Smart Security. http://www.eset.com __ Information from ESET Smart Security, version of virus signature database 5419 (20100902) __ The message was checked by ESET Smart Security. http://www.eset.com [Non-text portions of this message have been removed]
Re: [BlindHandyMan] home owner insurance
Hi Jennifer, may I suggest seeking a grant from a local community program. Like where i live it would be called Columbia opportunities. most counties thru the area of the states have these programs. also call that insurance company and tell them your plight lay it right out but you will even sign a lettter of intent to seek funding to do the needed repairs. I had such a situation but only because of a bad roof years ago and I disagreed with them as we had no leaks. however she said show me a contract or intent with a contractor and they the insurance company extended the shut off for 30 days. wow you got a claim paid for water damage? twice we tried that after being flood and oh no it was an act of God. yeah right. either way good luck. check with your local agencies even your Mayors office to ask where to seek emrgency funding. One more long stretch. is to check with your local Boy Scout Troop. maybe they could spruce up the yard and throw a paint job on the front stairs or something as a Eagle Project. . keep us posted and good luck. Lee On Fri, Aug 27, 2010 at 05:30:24AM -0500, Jennifer Jackson wrote: Hey Everyone, I have myself in a difficult spot and I do not know how to ask what I need without giving some of the back ground. It will not help me to get advice that does not take in the full picture. My home owner's insurance is about to be canceled. Essentially this is based on our not keeping our home in good repair. My husband is in total denial about it being our fault, but he is wrong. So my two questions are how do I get insurance on a house when I have had two water damage claims in the last year, and wat are the main things to try and get looking decent before the inspection. I do mean essential too. My yard is over grown and I have holes in my walls and ceilings. I do not know how to make my husband care enough about where we live to be better about this. My hope is that now that the kids are all in school I will be able to do some of these things myself. It has just become urgent because I have got to get someone in here to inspect and approve us for new insurance. I am sorry I am not sounding to optimistic here, but I just had another big fight with my husband about the roof and other needed repairs. I am feeling a little to drained to sound positive. Jennifer [Non-text portions of this message have been removed] -- No amount of genius can overcome a preoccupation with detail.
Re: [BlindHandyMan] home owner insurance
I also have to add to this Jennifer and it is an unpleasant topic. Aside from what Dale has mentioned, you need to find out why your spouse is not motivated to address the issues and he needs to understand that without insurance, the entire family is at risk. If you have a mortgage on the property, it is likely one of the requirements is that appropriate homeowners insurance be maintained. If you cannot get him to understand these issues, you may need to seek outside assistance such as a counselor etc. He needs to understand that this is a team effort and his participation is necessary and desired for success of obtaining insurance. I wish you luck, you do have some issues ahead of you. I agree with Dale however, that you do need to determine what is the cause of these problems with the house as well.
Re: [BlindHandyMan] home owner insurance
Hi Jen, Another question I have is if you own or rent the house you currently live in. If you own, is it paid off, and if so, what's the likelihood that you can obtain a renovation loan, or possibly go through HUD, Fanny May or Freddy Mac to see if you qualify for a disbursement. From what Claudia has told me, it seems that HUD has quite a line up for such benefits, so you may have to go without insurance for a few months while the process gets approved, but usually that isn't a problem unless you go more than a few years without insurance. The other question I have is why was there a claim for flooding twice in the last year? Were these two problems related, or were they dealing with two separate issues that may have been foreseen? Not accusing or anything, I'm just curious is all. If we can be of any other help, don't hesitate to ask. Victor
Re: [BlindHandyMan] home owner insurance
Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu Tel:(412) 268-9081
RE: [BlindHandyMan] home owner insurance
Dan, As an addendum on your comments the insurance the mortgage company may get could only cover the structure and not the contents. It is also, mose likely, not going to be replacement cost either. Should a major disaster strike Jennifer could still be liable for the difference between what the insurance company will pay and the mortgage is still owing. Cy, The Anasazi From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Dan Rossi Sent: Tuesday, August 31, 2010 6:48 AM To: blindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 [Non-text portions of this message have been removed]
Re: [BlindHandyMan] home owner insurance
The mortgage people will cover their risk no fear. The insurance will be enough to recover any outstanding mortgage and little more. - Original Message - From: Cy Selfridge To: blindhandyman@yahoogroups.com Sent: Tuesday, August 31, 2010 8:52 AM Subject: RE: [BlindHandyMan] home owner insurance Dan, As an addendum on your comments the insurance the mortgage company may get could only cover the structure and not the contents. It is also, mose likely, not going to be replacement cost either. Should a major disaster strike Jennifer could still be liable for the difference between what the insurance company will pay and the mortgage is still owing. Cy, The Anasazi From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Dan Rossi Sent: Tuesday, August 31, 2010 6:48 AM To: blindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 [Non-text portions of this message have been removed] [Non-text portions of this message have been removed]
RE: [BlindHandyMan] home owner insurance
Dan, I know, but this does not seem to motivate him either. I tried to get him to not file one of the claims we filed last year for this reason and he ignored me. It was a $1400 repair and we have a $1000 deductible. Jennifer _ From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Dan Rossi Sent: Tuesday, August 31, 2010 7:48 AM To: blindhandyman@yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 [Non-text portions of this message have been removed]
RE: [BlindHandyMan] home owner insurance
yeah, that claim is going to cost you more in the long run now. if you don't want to spend the money to fix the house, find an insurance broker, they might be able to find a company to insure you, the way it is, but your not going to like the price. If you show your current insurance company your working on the house, and give them a schedule of when the work will be done, they might consider doing a month to month thing. Michael _ From: blindhandyman@yahoogroups.com [mailto:blindhandy...@yahoogroups.com] On Behalf Of Jennifer Jackson Sent: Friday, August 27, 2010 2:04 PM To: blindhandyman@yahoogroups.com Subject: RE: [BlindHandyMan] home owner insurance Dan, I know, but this does not seem to motivate him either. I tried to get him to not file one of the claims we filed last year for this reason and he ignored me. It was a $1400 repair and we have a $1000 deductible. Jennifer _ From: blindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com [mailto:blindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com ] On Behalf Of Dan Rossi Sent: Tuesday, August 31, 2010 7:48 AM To: blindhandyman@yahoogroups.com mailto:blindhandyman%40yahoogroups.com Subject: Re: [BlindHandyMan] home owner insurance Jennifer, Is money a motivator for your husband? I believe you have a mortgage on your home. Mortgage companies won't allow you to go without insurance. Thus, if you can't get your own insurance, the mortgage company will sell you insurance and you won't be happy with how much they will charge you either. So, you are either going to have to spend some money on repairs, or you are going to spend money on very expensive insurance. Sorry to be a downer. -- Blue skies. Dan Rossi Carnegie Mellon University. E-Mail: d...@andrew.cmu.edu mailto:dr25%40andrew.cmu.edu mailto:dr25%40andrew.cmu.edu Tel: (412) 268-9081 [Non-text portions of this message have been removed] [Non-text portions of this message have been removed]
Re: [BlindHandyMan] home owner insurance
You've got a tough nut to crack. It's not like it use to be when all it took was a phone call and a check in the mail. Your policy came back ready to go. Just sign it and return it in the pre paid envelope. Those days are long gone. The insurance industry took a heavy pounding with some pretty nasty hurricanes in Texas and in Orleans. That was the catalyst to change the industry forever. Today they come out and inspect the pre covered status of the home to protect themselves from home owners who then later on say they had their roof leaking like a waterfall in this last storm and want the home owner's insurance to cover it. To many people tried it and got dropped. I doubt you'll get insurance or if you do, it'll be conditional. They'll give you a list of what you need to fix prior to insurance approval. You'll then pay higher premiums and can be asked to put a security deposit down with the company. Once they see that the cause of the disrepair is neglect, they won't be to quick to jump to help you believing your a scammer or a deadbeat who won't keep up the payments. The other thing you need to be concerned with is, if the county you live in decides your place is a public nucence, they can court order you to fix it or they will and you'll get the bill. Trust me, you don't want that to happen. If your husband is unwilling to take care of a house, then perhaps your best option is to sell the house and move into an apartment. Of course, if your house isn't paid for yet, that may be the preventing factor. In other words, your husband will have make the repairs or pay somebody to do it for him. If the bank still owns your house, they too can fix the house and give you the bill. You'll pay it back plus interest. Home owners insurance is the least of your problems. If you live in a community with a home owners association, they can fine you until the job gets done and those fines can get pretty stiff. They could even take the house away if they have to force you to fix it. In short, you're in a world of the brown stuff. I know what I'm talking about because I am the president of our home owners association and have to had dealt with stuff like that in the past. Alan Please click on: http://www.home.earthlink.net/~alanandsuzanne/ There, you'll find files of my arrangements and performances played on the Yamaha Tyros keyboard. I often add files so check back regularly! The albums in Technics format formerly on my website are still available upon request. - Original Message - From: Jennifer Jackson jennifer_jack...@cox.net To: blindhandyman@yahoogroups.com Sent: Friday, August 27, 2010 3:30 AM Subject: [BlindHandyMan] home owner insurance Hey Everyone, I have myself in a difficult spot and I do not know how to ask what I need without giving some of the back ground. It will not help me to get advice that does not take in the full picture. My home owner's insurance is about to be canceled. Essentially this is based on our not keeping our home in good repair. My husband is in total denial about it being our fault, but he is wrong. So my two questions are how do I get insurance on a house when I have had two water damage claims in the last year, and wat are the main things to try and get looking decent before the inspection. I do mean essential too. My yard is over grown and I have holes in my walls and ceilings. I do not know how to make my husband care enough about where we live to be better about this. My hope is that now that the kids are all in school I will be able to do some of these things myself. It has just become urgent because I have got to get someone in here to inspect and approve us for new insurance. I am sorry I am not sounding to optimistic here, but I just had another big fight with my husband about the roof and other needed repairs. I am feeling a little to drained to sound positive. Jennifer [Non-text portions of this message have been removed] Send any questions regarding list management to: blindhandyman-ow...@yahoogroups.com To listen to the show archives go to link http://www.acbradio.org/pweb/index.php?module=pagemasterPAGE_user_op=view_pagePAGE_id=33MMN_position=47:29 Or ftp://ftp.acbradio.org/acbradio-archives/handyman/ The Pod Cast address for the Blind Handy Man Show is. http://www.acbradio.org/news/xml/podcast.php?pgm=saturday Visit the archives page at the following address http://www.mail-archive.com/blindhandyman@yahoogroups.com/ For a complete list of email commands pertaining to the Blind Handy Man list just send a blank message to: blindhandyman-h...@yahoogroups.comyahoo! Groups Links
Re: [BlindHandyMan] home owner insurance
especially if he signed the contract with the insurance company. There will be stipulations in the contract. They expect folks to follow them as folks expect the insurance company to follow them. And for those who say well, the insurance company doesn't always I say and they have bigger lawyers than we do also. If you think it is at all possible that you are being *done *wrong your state should have an insurance commissioner who addresses these things. On Tue, 31 Aug 2010, Scott Howell wrote: I also have to add to this Jennifer and it is an unpleasant topic. Aside from what Dale has mentioned, you need to find out why your spouse is not motivated to address the issues and he needs to understand that without insurance, the entire family is at risk. If you have a mortgage on the property, it is likely one of the requirements is that appropriate homeowners insurance be maintained. If you cannot get him to understand these issues, you may need to seek outside assistance such as a counselor etc. He needs to understand that this is a team effort and his participation is necessary and desired for success of obtaining insurance. I wish you luck, you do have some issues ahead of you. I agree with Dale however, that you do need to determine what is the cause of these problems with the house as well.
Re: [BlindHandyMan] home owner insurance
Of course it doesn't matter if it is your fault or not, if they won't issue a policy they just won't. Water and fire and of course theft are the big issues with insurance. Roof needs to be satisfactory, heating and electrical and plumbing. Holes in the ceilings and walls shouldn't matter much except that they speak to the rest of the maintenance and home owner attitude. Same is true for the yard although they may be concerned about risk for personal injury. Your water damage history will be a problem regardless of why it happened, if the insurers are satisfied that the problem is fixed all should be fine but, there is this principle that some dwellings are just bad luck. I once knew a woman who was refused automobile insurance because her car had been hit four times in one year. She wasn't even in it on any of the occasions but the insurers more or less said that if her car was among hundreds in a parking lot it would be the one hit and that wasn't a risk they would accept. Probably the thing to do is get a list of required improvements from the agent and work to that. Another important question you need to answer is how and why is that damage happening. How old are the kids, are they disciplined enough to direct in getting the yard cleaned up? Are you able to direct that work? Appearance can make a big impression even if it isn't related to the performance of the building. Remember too, insurance is to restore what is lost. If the building is damaged it will obviously be replaced to a better standard than the loss. In other words if it burns down and insurance rebuilds it you can profit substantially by reselling something you otherwise couldn't have given away. Insurance companies are very aware of some of the baser human motivations. Just a few reflections. Dale Leavens. - Original Message - From: Jennifer Jackson To: blindhandyman@yahoogroups.com Sent: Friday, August 27, 2010 6:30 AM Subject: [BlindHandyMan] home owner insurance Hey Everyone, I have myself in a difficult spot and I do not know how to ask what I need without giving some of the back ground. It will not help me to get advice that does not take in the full picture. My home owner's insurance is about to be canceled. Essentially this is based on our not keeping our home in good repair. My husband is in total denial about it being our fault, but he is wrong. So my two questions are how do I get insurance on a house when I have had two water damage claims in the last year, and wat are the main things to try and get looking decent before the inspection. I do mean essential too. My yard is over grown and I have holes in my walls and ceilings. I do not know how to make my husband care enough about where we live to be better about this. My hope is that now that the kids are all in school I will be able to do some of these things myself. It has just become urgent because I have got to get someone in here to inspect and approve us for new insurance. I am sorry I am not sounding to optimistic here, but I just had another big fight with my husband about the roof and other needed repairs. I am feeling a little to drained to sound positive. Jennifer [Non-text portions of this message have been removed] [Non-text portions of this message have been removed]
