Hi Sue...found it. Your policy will pay a max of $2500 period. There are several types of "contents" that have limited coverage...unless you "schedule" them. Scheduling involves getting appraisals...usually within 3 years old...and adding them as a rider with a fee. With me that fee for jewelry is $16/thousand (ie; $10K Ring= $160 in additional premium per year). Jewelry is the biggy, but furs, guns, fine art, silverware, etc. are also limited. Most companies will allow you to schedule those items, but there will be a fee. The problem I think your having is confusing how your everyday items...TV's, clothes, furniture, etc...are covered and how these specialty items are covered. Your TV, if stolen would get replaced with the same make and model at todays prices...AS LONG AS YOU REPLACE THAT ITEM. They WILL NOT give you cash for the replacement value. What they do is cut you a check for the depreciated value up front, then give you the balance once you replace that item and show proof of purchase. Jewelry however, is a completely different animal. As I said it's basic coverage is very limited on all policies. It can always be expanded for a fee and I always recommend that for valuable pieces. And yes, they'd only consider $8k, not $16k. Don't let that confuse you, they said they'd CONSIDER $8k, not pay $8k. Based on what you're telling me, they're only paying $2500.

Catherinet, It is sad that we have to be so careful on line all the time. I was suspicious of both of these docs after reading the web sites. They toot their horns way to much for my liking. One would thing that if this procedure is so wonderful, far more opthamologists would be using it, and using it all the time. The costs are exhorbitant and though they claim that ins. pays for it, if you check with your ins. you will find that they don't. I checked with mine, just for fun today, and they don't pay for it with MA ins. I have BC/BS and have not restrictions on where I go for medical care in state or out, but it has to be a covered service. They told me that the Yag/NG laser is not only not covered by MA BC/BS, but no BC/BS anywhere in the country pays for it, and as far as they know, no ins does. This really peaked me, so called my sister, who lives in Florida and has BC/BS down there. No coverage, she checked with my niece who has different coverage and no coverage. My son in Kentucky doesn't have the coverage. By the time I was through checking with people I know in MA and other states, couldn't find an insurance co. that pays for it. Red flags again, as this isn't a life saving operation. One of the docs bragged that he new only 2 docs in the country that did this, and to me that was a red flag too. So unlike my spinal surgeon , who used a relatvely new method in doing my surgery. It was being done in Michigan only 5 years ago, by one doctor. This doc waited to have it perfected, then published the info in a medical journal with a request for other spinal surgeons to contact him for further info and offered to teach it. This doc divided the country into 25 sections and taught one leading spinal surgeon in each section the new procedure. He chose leading spinal surgeons who chould stay with him for 6 months to be perfected in it. My doc was the first doc to go from the new enland section. He has been doing this procedure for 4 years and is the leading teacher in the New England area for this new technique, which saves so much of the vertebrae in the spine instead of removing it. When you compare this attitude to these docs, you know for sure that something is really fishy with this laser stuff for floaters. I have always been of the thought that G-d gave us 2 eyes for a reason. If we lose the vision in one, we still have an eye to see with. Vision may not be perfect, but one can still see. Also of the thought that surgery is done as a last resort, and experimental and wacky idea surgery is only done when there is nothing else that can be done. Glasses are fine for me. Not having anything cut in my eye because of vanity not wanting to weaar glasses. I like being able to see, same for this laser stuff too. My doc told me the same thing about the floaters and also said that many times they can go back into the viscous fluid, which some of mine have done. The hydration thing really does work. I found myself with worse floaters early today and started pushing the fluids this afternoon and sure enough, they are better tonight. I had some of the vision things at night to and the extra fluids really made a difference. My eye is bloodshot some of the time and the doc told me to use refresh endura drops to help keep the eye moist, especially in the winter with the heat on. that has helped too. Give that a try and see if makes any difference. I use it 2-4 times a day and it really helps. it's not cheap, $15.99 a box. But it has individual doses in it. One thing if you start to use it, you won't use the full dose container at once, just one drop in the eye that needs it. Put the cap back on it and use the rest during the day. don't hold it overnight though. the company wants you to use it just once but the doc says no reason not to use up each individual container. Best place to buy it is Walgreens. If you buy it in quantity, I buy 10 boxes at a time, they will give you a discount on the price. Brought it down to $12.99 a box when I bought to boxes at once. Good luck and let me know if you try the refresh endura and it helps or not.

Go to the dealer who will be providing the windows (eitehr directly to you or to your contractor). Ask them for a factory installation instructions. (don't worry, it's not a book but a short pamphlet). Look it over and become familiar with the recommended installation. Other than the support for the bow being structurally strong enough, the simgle most important factor is the use of window tape, (Vicor or some other brand). This must be installed per instructions, overlapping like roof shingles. In addition, the contractor may use silicone to make sure there are no gaps for water to seep in. A great percentage of window problems that leak water is not the window but how it was installed. If it is new construction or you have all the siding off, absolutely use a house wrap like Tyvek, again following instructions. Lastly, the window must be installed level and plumb then shimmed (top at both sides and at the check rail for DH. The shim should be snug but not forced in. This is critical on DH windows. You want the sashes to slide up and down without being too loose or too tight. Shimming is critidal here. If you see the contractor putting the windows in and just nailing the nailing fins without first checking level and shimming, you will have trouble. This could be especially troublesom if he takes the sashes out to reduct weight and installs the window frames in the same manner by just nailing the fins without leveling, shimming.

Ok, didn’t catch it the first time. It’s enough to show that you have wood returns and not sheetrock. Therefore, I still think they should have used jamb extensions to push the new windows further to the exterior. With brick exteriors, it may have necessitated a stop from the existing jamb to the new jamb, however. As WoW said, there’s a drainage plane behind the brick that is designed to allow water that penetrates the brick to escape out the weep holes. I just prefer to minimize it as much as possible. The existing windows can be pulled and reset without any damage to the windows, but whether or not the contractor is willing to do this (terms of the contract) is the question. If they have to add jamb extensions, and it wasn’t in the original contract, be prepared for additional costs. I wouldn’t be too concerned with potential damage to the house. As with any installation that we’re second guessing, there may be factors the contractor had to deal with that we don’t know.