Fire at one of my last rental

MN,

Trying to look at this from all sides, I'm willing to bet that if you were a banker, you'd be singing a different tune. I can completely understand why a bank does this, and as an honest guy that wants my premiums as low as possible, whatever they can do to cut fraud AND EXTRA EXPENSES, I'm glad they do it like that. I'd have to say that I'm also glad as a contractor that's been burned by an owner that spent their money before paying me.>>>

On the flip side of that type of thinking and behavior is the Mafia B) We only do what benefits us .>>>

Min You definitely have my interest. I've been thinking all day if this is true or for that fact possible. Because the check is so large I will be having a conversation with my lawyer tomorrow or early next week . I do know that if you are in Texas you can request the money from the bank . In all likely hood you will get it . I will update on advice from my counsel.>>>

min Just because we don't like the rules doesn't mean we don't abide by them. If we were living in Italy I might view the subject differently. I have a story to tell about the relatives from Sicily . Back in 07 they came to visit and I was the tour guide. We toured the NE from Niagara Falls to Toronto to NYC and Conn. The story as it relates to this topic goes something like this......... Now in order to get the point across clearly I will have to make an attempt "displaying the abstract." Coming from a country that as I understand it is has the most laws of any nation . Italians have to confront an unpleasant reality . Constantly flouting rules and laws is part of Italy's malaise; For example a few years ago a killing of a policeman during a riot at a soccer stadium in Sicily after a law against hooliganism was passed, many laws are widely ignored . Italy, has 90,000 laws . The thought is that this encourages people to ignore them; contempt for rules is part of the Italian way of life. Because they don't have a high regard for law, doesn't take away from the reality that they are highly professional people. THE LOVELY MRS CIAK cousins are Franco an importer , exporter of high quality espresso from Sicily. Very well known in his professional circles highly respected, Salvatore a physics teacher and world traveler, Francos wife Salvina a house wife and great mother. Sicilians have an unusual haphazard way of driving . I really held unto the OH [shate] handle with my feet planted deeply into the floor boards. My knuckles turning white. There is absolutely no road rage for Sicilians, at least as far as other drivers are concerned. It's futile. You'd be raging all the time because the drivers and the driving are totally crazy and unpredictable. Sicilian Rule number 1.. I no longer obey any speed limits, stop signs, or traffic lights. the "ONE" that everyone knows you must obey is " drive around cars stopped and drive through the intersection!!!!!!!!!!!!!! There are two speeds very very fast, very very slow. If someone is driving to slow they just go around them and if someone is coming the other way they move over and let them pass. No one gets MAD..... they understand this is how it works. Now put this together with the way Americans drive . Imagine being in a car with 3 Sicilians speaking , hollering obscenities. Italian with there hands going every which away flying in gestures not even imaginable to the average human. Traffic ," 4 ways " are really a riot. Who yields? A driver with the most guts and speed wins. "Rule #2" You cannot, I'm very serious about this make eye contact with the other drivers or they will take advantage of your meekness . Maintain your speed hold tight to the steering wheel and grit your teeth. Their cool they know the rules--it's how they drive. Just put a small fraction of your fender in. The intersection is yours!!!!! Hesitate, just for a moment...... You lose. It's a game. A crazy azz game. :woohoo: :blink: :side: :silly:>>>

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>>>

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 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>>>

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.>>>

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 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>>>

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. >>>

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.>>>

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.

>>>

Jed I baited you a little by not revealing the full story. Of course you took the bait saw the opportunity swallowed ( yuck , I bet you do swallow ), hook sunk . I just wanted to know if you were being your mean spirited arse hole self . I was correct. You could have taken a slightly different tack, and the whole story . That was my hope. That wasn't your intent . I knew better but I wanted to give you an honest chance . To bad . I'll just put you on ignore .>>>

Jet Oh my ! oh my , Scawe very Scawe . A state license . Sooooo . I guess your forced to listen to strange voices inside your head . I don't know where you get your misinformation .>>>