Do you have Hartford insurance?
socks
8 years ago
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Do landscape contractors have insurance on a bad job
Comments (6)Yes, deep pockets is a good thing, but the benefit is dependent on the insured putting the carrier on notice of the claim or the claimant getting a judgment. With small jobs, the deductible is often higher than the value of the claim so insurance never comes into play unless it goes into litigation and the carrier has to pay for the defense. Many small business owners choose not to turn small (pre-litigation) claims into the carrier unless and until they are sued....See MoreHartford Insurance Co. class action law suit
Comments (7)I don't know anything about the Hartford suit. But just this week I got a check in the mail for $255.01 for a windshield I had replaced in my 2003 Honda Element. It was bad glass, lots of problems that were obvious if you followed the enthusiast websites. Had Honda done a recall like they should have, it would have been a lot cheaper. This way, they refund my my $255.01 (along with everyone else who sends in their receipt) AND get to pay the lawyers! Yep. Class actions suits usually benefit only the attorneys, and to some degree, believe it or not, the company. Most folks will not opt out, so whatever measley settlement comes along is all they'll ever get -- insulates the company from a lot of individual suits....See MoreHow do you value your old house for insurance?
Comments (15)"Just out of curiosity, who here thinks that you can build an new old house? " You do not have to use old materials, just old techniques in most cases. Plaster instead of drywall, mud beds for tile floors and walls instead of cement board, etc. You neither can use nor want lead plumbing (DWV or supply), but cast iron is still available (though not with poured lead & oakum joints). Electrical wiring has moved a long way since K&T (and the lack of any electricity before that in many houses). Hardwood floors are not going to be as tight a grain as very old stuff (especially if it was virgin timber) but there is no shortage of wood flooring, even in very large widths of you want to pay the cost. Virgin reclaimed (from old buildings or bodies of water) is also available. There is no reason to use full size dimension lumber (though it can be found if you want to look & pay). Joist spans are likely smaller than in very old structures, so extra wood is likely to be needed (I have never considered the bouncy floors of an older structure a 'feature' worth preserving or repeating. I do not think anyone wants to exactly recreate the old house, just the important parts of the surface finishes. I have repaired 18th century townhouses in Alexandria, VA so that you cannot even tell without putting a hole in the wall to see the new framing and wiring....See Moredo we have any car insurance people here?
Comments (12)With it in both names, any tickets or accidents can count against you, but again, insurance laws vary from state to state. Does he have it covered on his policy? Are you insured by the same company/agent? I sense that things aren't all that great if you expect problems on a possible pre-nup. When in doubt, CYA. I'd say get it into one name, whether that's yours or his, doesn't matter. You could ask for it as a birthday or Christmas present if it makes you feel more comfortable. Insuring two people could be more than insuring one. I'd expect it to be higher and with it in his name he has every right to drive it. You could call a different agent with the same company and talk to them but the pragmatic side of me says you are taking some unnecessary risks and if you want to continue, you should at least insure yourself. With the hesitation and fear of going for the juggler, does he have a bad driving record or something? Again, states vary, but here you could have an issue with your insurance if they find out it's in both names and only one insured. Here, I for instance will be covered by my insurance on anyone's car I drive and anyone is covered on mine. But they're also very fussy about disclosure. I bought a new(er) vehicle and parked it. I decided to put comprehensive on it after a couple months and they got all bent out of shape because I didn't tell them immediately. They figure if you don't tell them, you're hiding something. This kind of ticked me off since I wasn't driving it (it was garage and not used), but apparently there's something in the policy that I have to tell them if I buy a vehicle, whether or not I insure it. They also figure if you have a vehicle, you drive it and if there's other drivers in the house you have to let them know, whether or not they're allowed to drive the vehicle. Sub-25ers especially. It sounds like you have multiple vehicles. Depending on your ages, driving records, insurance and such, you could have enough discounts that the difference, if any wouldn't be much. The other option if you really don't want to talk to your agent is to read your policy and see what it says in there about it. Good luck....See More
marcopolo5
8 years ago
nicole___
8 years agolast modified: 8 years ago
glenda_al
8 years agonicole___
8 years agoglenda_al
8 years agonicole___
8 years agoglenda_al
8 years ago
Elmer J Fudd
8 years agolast modified: 8 years agojoyfulguy
8 years agosocks
8 years ago
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