Fire at one of my last rental

Very clever ciak, you trapped me.

I'm only a "meanspirited arse hole" towards the likes of you because I can't tolerate fraudsters and liars, especially the ones who spew their vacuous claptrap on open forums and insult the intelligence of their audience by expecting them to believe it, ergo, providing a direct reflection of their own lack of intelligence (obviously)...........yes, that would be you.

..............."I knew better but I wanted to give you an honest chance . To bad . I'll just put you on ignore ".

....bet you don't...but you probably should. That way you could conveniently "ignore" my questions on your lies.

BTW, why the sudden anger and name calling? By now you should be used to being exposed.>>>

Ciak, in answer to your question, we had three children early in our marriage and reached the mutual decision that they would greatly benefit from having her not spend the bulk of her time as a wage earner. This has paid off handsomely and the principal benefit is that I couldn't be prouder of the kind of adults my children have become. Her attention during those early years had an overwhelming effect. Over the years she has had a number of part-time income-producing gigs, but I have provided the principal income for the duration and not always uncomplainingly. I am not mercenary, but I have been successful enough. I like to think that I resemble, at least vaguely, the smithy from Longfellow's famous poem. In fact, I do. One of the key factors in my personal history has been my attention to detail. This is not limited to roofing as a craft. It encompasses many things because if it's worth doing it's worth doing well. I organize my ideas and when I'm writing, I try to fit them together so people can see how they relate to each other as a whole. I try not to bring too many fragmentary ideas in from the sides or attach them to the central ideas. In other words, I take the time to edit. If you were to begin practicing this, you would not encounter a lot of the resistance you seem to be getting here.

>>>

Thanks egg I'll make it a goal. I generally shoot from the hip and I know it comes off scattered. It drives THE VERY LOVELY MRS CIAK crazy sometimes . I've written it off as expression and flow. I do need to be more disciplined in that area. This weekend I have to become compliant with State of Florida Financial Services . 10 hrs of Law . Yuck . I need this to continue my current employment. One thing this job does is continually keeps education on the forefront. Classes all year long on estimating software's , flood and auto adjuster classes. It is never ending . Earthquake certs . etc.>>>

---about 10 years ago we had an ice storm that brought down many tree branches which damaged our power lines. The neutral was broken creating a power surge that damaged every appliance. About 20 items, clocks, led lights on every appliance, TV's,VCR's, oven, etc were fried. ---Because of the widespread damage adjusters from other parts of the country arrived to handle the claims. Two nice adjusters from Texas sat across from us at our dining room table (we are in Seattle). We were told to go ahead and replace whatever was broken and since we had "replacement..." all would be covered. ---We did exactly that with the bill coming to just over $5,000. We had each and every receipt with a speadsheet laying out the expense. We submitted it as instructed. Soon we received a check for about $2,500. Now up to that point I thought everything was hunky dorry with such nice friendly people! ---Upon reflection I realized I had only the verbal promises of those 2 adjusters. I had no paperwork, nothing signed, etc. Of course, the adjusters were now long gone and I was on my own. Well... ---I called up my local agent who handled all our insurance. I cannot remember what insurance company I am talking about...but my agent represented that company. I let him know that I did not appreciate being told one thing while the insurance company was deciding to cut my claim in half. (I also had to pay the $500 deductible which I expected but made their payment all the more insulting) ---Within a few weeks we received another check for most of the rest. It pays to have been with one agent for a number of years. But I realized that while the insurance people were all smiles and friendly in reality I am in an adversarial relationship with them when it comes to a claim.

Lanny>>>

Their are times when you need to apply pressure to get what is due you. I can't speak for the adjusters and their experience . What I can say is your persistence payed off. What a lot of people don't understand about this business is it is a pressure business . The squeaky wheel . I demand this because it's due me . When it's no . Your question should be " Why not ??" . If you set back and let it go that is what happens. There are time restraints and a lot of pressure on both sides. If you are even close to being right the insurance company will pay if it 's marginal. Don't be " fraudulent " they can smell a rat and will test your stamina. They will win hands down. Customer service is the goal .Know your contract ( POLICY ) * An insurance policy is always interpreted in favor of the insured and not the insurance company.

* Ambiguous or unclear clauses are always interpreted in favor of the insured.

* Ambiguous policies are always interpreted to provide, rather than to deny, coverage.

* An insurance policy is considered patently ambiguous when it can be interpreted in more than one way.

* When a policy provision is capable of more than one reasonable interpretation, a court must adopt the interpretation that favors coverage.

* No limitations or exclusions are implied into any policy contract. >>>

Chucky, you never answered Jed's question........where did you get your four year college degree? Oh, and about the military information you provided, you ARE a coward (still)........spots never change.

JET>>>

He gave the answer. He does'nt have one, but then any fool can see that by looking through his infantile utterances.

BTW If you are really interested in doing what he claims he does then this is a site that provides more detail.

http://www.bls.gov/oco/ocos125.htm

It also states that you don't need a college degree (although it would be preferential) exposing more lies in this idiots post.

This from the "Training, Other Qualifications, and Advancement" section Training and entry requirements vary widely for claims adjusters,appraisers, examiners, and investigators. Although many in these occupations do not have a college degree, most companies prefer to hire college graduates.

"Education and training. There are no formal education requirements for any of these occupations, and a high school degree is typically the minimal requirement needed to obtain employment. However, most employers prefer to hire college graduates or people who have some postsecondary training."

I sent them, and Allstate a link to this thread in case they want to take a peek and correct/clarify what is written.>>>

It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .>>>

CIAK Said: It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .

Your "intent and purpose" was overshadowed by your lack of clarity and credibility. Your posts should be required to include a disclaimer.>>>

CIAK Said: It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .

Chucky, YOU are the one who makes your posts "personal" so don't play the "victim" sympathy role here 'cause these guys have had your number for quite some time now. Just try being "real" (for once in your life) and you'll find things go a lot easier. Get off the soap box, eat a little humble pie, and MAYBE your persona will be forgiven. I don't think you're a bad person, per se, but guys like you do a lot of damage in this world and don't have the sense to realize it.

JET>>>

There is no agenda and well you know it. As for "hatred and personal attacks", they stem from you, and it is you who infers the easy money to be made, (65k in three mths) Your post is nothing more than a vain attempt to fool anyone from your industry who might be viewing now that they have been notified of this thread......shallow CYA. Pathetic. "........The people I work with are honorable ethical moral people.............good grief.....does your B/S never end........?>>>

CIAK Said: Just for the record and to make my point about the poison and personnel hate leveled at me. This made in very early April. " I am quite happy how this is going. I have been handled very professionally and courteously. Im proud to be part of this industry.

Ciak, I really do not think you get it - I mean i can see where you are coming from and your point of view but you just will not in any way see others. maybee you are incapable? maybee not and is is actually your guilt getting you you subconsiously regarding personal attacks?

You play your part just like all of us have our own you claim to know roofing and contractiing but your posts really do nothing for you as far as the knowledge you claim to know.

Insurance companies and banks are another block in the road for us contractors - When i started in the business 18 years ago we dealt with homeowners negoited our own pricing and what was fair the homeowner made the decision we were happy we had the controll and were trusted.

Now the Insurance companies decide what is fair on behalf of the homeowner for a fee - an example of a middle man takes all the responsibility away from the homeowner - get it? In order for us roofing contractors to make money we have to deal with the middle man the insurance company if we do not follow their criteria we do not get paid no matter how much the Homeowner likes us - On top of it all banks set your rates at what rate does insurance companies borrow money to pay claims? this affects our premiums as well as the policies which are poorly written replacing roofs with 5-10 years life left on them which as well affects our rates. The way policies are written no homeowner in The US will ever have to pay out of their pocket directly for a new roof i can almost guarantee every city in the Us will get hail at least once in 20 years so there will be a claim and insurance will pay for the roof with money borrowed from the bank and us roofing contractors are told how much we can charge and the homeowner is told what their premiums will be.

Sure you like it i am sure alot do - a simple monthly payment no worries insurance companies are their to protect for everything no one needs to plan or be responsible or think ahead - just buy some insurance and do it - Pretty soon that is the only payment you will need to make or better yet that will be gone to you just get everything delivered to your doorstep as long as you get up and play the game.

I personally myself belive responsibility should be on the people it should be personal responsibility not a third party or middle man although i am forced to play with the middle man and i do -- i do not have to like it -- nor does that mean i am not good at it - I know all the ins and outs - I just need to decide weather or not i want to start the referral fees to adjusters / agents. and to find out what the right way of doing it is (legally) Which you have not commented on much either. This is the next step of progression i see it coming the homeowner cannot even call a contractor outside of the prefeered contractor zone -- so i better get in -- choose a new profession --- convince people it is wrong or all of the above.>>>

As far as your check goes tell the bank you do not trust them with the money - Thats what they are telling you right? Endorse the check send it to us and once we can trust you we will send you some.

If you send them the packet you know the one they sent you with the lien waiver --completion --certs --w-9,s etc along with a contract signed by you the owner and you the contractor it is binding if you breech your contract you are commiting a crime as well as not doing the work which would be fraud (felony) Tell your bank you are sending the required paperwork along with the check Not I repeat Not Endorsed and you expect them to endorse the check and send it back to you it is yours you have a contract with your insurance company your bank has no contract with your insurance company - Do not let them BS you be a man and demand they endorse the check first and send you the whole amount -- If you dont get it i will say it again if you do not complete the repairs you are committing fraud and will go to prison - your bank has no right to hang on to the money as long as you show them a signed contrat and a their packet - Demand your money it works almost 90% of the time for us. The other 10% we threatin leins and they pay as well.>>>

minn Thinking about what you said about my lack of input in the contractor end of this forum took some introspection . Most of what I do in the roofing end is repairs. I just finished a fairly large residential roof this week. I am bored with most roofing projects . I'm really not interested in most new techniques . A sum total of the roofing business is not fun for me . I'm sure that is what you are observing . I think I know all I need to with repairs . What is there more to know about residential roofing ? For me nothing. It's just not fun . What I am interested in is getting contractors to take control of their communities where there is a huge need due to stormers . You might want to go to the topic where we are discussing ways to combat this . I don't know where this is going to go . We have had some very interesting post. Would love to hear what you have to say. As far as the check goes I will follow the system gladly. It is my money . I met with my architect yesterday . A local artisan whom I have been involved in numerous project with. The house will be rebuilt to a larger much nicer home . Out of the Ashes a Phoenix will arise . I'm using all local artisans from the immediate community .Consciously supporting my community We all have an interest in this beautiful place . A reason for the check going to the bank , basically because the bank is a bigger legal threat than I or you are. Let's play this out and say you or I took their payment for the damages, pocketed it, and bought a Ferrari. Now your house is worth $200K (because of the unrepaired property damage) and your mortgage is $300K, so you walk away from the mortgage. The bank is pissed. They will sue the insurance company. By making sure the bank has to endorse the check, the insurance company is making sure the money gets used to repair the bank's asset, the house. What happens is that the bank wants you or I to endorse the check, send it to them, they'll endorse it " deposit it ", and they'll make out checks directly to the guys who are doing the repairs on the house. This is an attempt to keep us from getting our greedy fingers on the money. The insurance company wins, they don't get sued. The bank wins, their house gets repaired. You might or could lose, because it can be a possible pain in the ass . Now because I have lost rents I am paid the amount of rent I was being paid on the lease for a period of up to 2 years . Kool beans . I didn't ask for this fire I am super glad I had insurance . I'm out nothing and my rental becomes a Phoenix . Kool kool way kool>>>