The document summarizes a meeting on November 28, 2007 in Rancho Bernardo, California to discuss wildfire recovery efforts after fires in October 2007. It provides information from representatives of the local community Presbyterian church, United Policyholders insurance advocacy group, California Department of Insurance, and local fire survivors. Topics included insurance claims processes, contractor scams, legal issues, and the importance of community networking groups for support.
Do you know what your car insurance covers? The worst time to start thinking about what insurance coverage you have or don't have is after an accident that has already occurred. The time to prepare and make sure you truly have the coverage you need to protect yourself and your family is before an accident.
http://www.burnetti.com/resources/
Drucker Law Offices
12161 Ken Adams Way #110-C2,
Wellington, FL 33414
(561) 812-5693
http://www.floridalawteam.com/wellington/
At Drucker Law Offices, the firm is absolutely devoted to the service that is given to its personal injury clients. Gary J. Drucker and the Drucker law firm will guide you through your case, from beginning to end with a focus on personal attention. You do not have to face a large corporation or insurance company alone. Gary J. Drucker and Drucker Law Offices will be there for you every step of the way, advising you through each stage and protecting your rights throughout.
Do you know what your car insurance covers? The worst time to start thinking about what insurance coverage you have or don't have is after an accident that has already occurred. The time to prepare and make sure you truly have the coverage you need to protect yourself and your family is before an accident.
http://www.burnetti.com/resources/
Drucker Law Offices
12161 Ken Adams Way #110-C2,
Wellington, FL 33414
(561) 812-5693
http://www.floridalawteam.com/wellington/
At Drucker Law Offices, the firm is absolutely devoted to the service that is given to its personal injury clients. Gary J. Drucker and the Drucker law firm will guide you through your case, from beginning to end with a focus on personal attention. You do not have to face a large corporation or insurance company alone. Gary J. Drucker and Drucker Law Offices will be there for you every step of the way, advising you through each stage and protecting your rights throughout.
Negotiating a Personal Injury Claim Vs. Filing a LawsuitAngela M. Deisley
Negotiating a personal injury claim and filing a lawsuit are different because there really is very little risk to someone in bringing a claim, while there is risk in filing a lawsuit.
HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what ...MildredWilkins
Yes, I know it is because you don’t have the money… but that is not a reason that the bank wants to hear. The REASON why you don’t have the money is more important than the fact they you can’t pay—in the lenders’ eyes. They are looking for reasons which are acceptable to them: an acceptable hardship or circumstance which triggered your inability to send your scheduled payment. They do NOT want to hear that you had to bail your drunken brother out of jail. Again. Nor it is a good idea to tell them the trip to Vegas was one you had planned for the past 2years so you had to go. I had to buy Christmas presents because I have young kids is also NOT an acceptable hardship. We’ll cover for you what ARE acceptable reasons for being in default. You can be better prepared to defend your position and your need for help when you know what is and IS NOT acceptable. We’ve got you covered.
BLPC AB Personal Injury Lawyer
6505 48 Ave
Camrose, AB T4V 3K3
(587) 844-2026
https://ablaw.ca/camrose/
Since establishing our practice, the BLPC AB Personal Injury Lawyer firm has been helping clients who have sustained injuries in a wide range of accidents. In most instances, these accidents occurred because of another company’s or person’s negligence.
When your policyholders signs an AOB contract they are signing away the rights to their claim to a contractor! This can have VERY negative repercussions if the contractor charges an amount inconsistent with the amount of work they have performed. When this occurs it is the policyholder who pays the price.
MPC Personal Injury Lawyer
8-2465 Walkers Line
Burlington, ON L7M 4K4
(800) 299-0342
https://mpclaw.ca/Burlington.html
Our personal injury lawyers in Burlington have helped countless victims of Motor Vehicle Accidents, Slip and Falls, Public Transportation accidents, and Pedestrian Accidents. Call us now for a free no obligation consultation. We don't charge anything unless we win the case.
Negotiating a Personal Injury Claim Vs. Filing a LawsuitAngela M. Deisley
Negotiating a personal injury claim and filing a lawsuit are different because there really is very little risk to someone in bringing a claim, while there is risk in filing a lawsuit.
HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what ...MildredWilkins
Yes, I know it is because you don’t have the money… but that is not a reason that the bank wants to hear. The REASON why you don’t have the money is more important than the fact they you can’t pay—in the lenders’ eyes. They are looking for reasons which are acceptable to them: an acceptable hardship or circumstance which triggered your inability to send your scheduled payment. They do NOT want to hear that you had to bail your drunken brother out of jail. Again. Nor it is a good idea to tell them the trip to Vegas was one you had planned for the past 2years so you had to go. I had to buy Christmas presents because I have young kids is also NOT an acceptable hardship. We’ll cover for you what ARE acceptable reasons for being in default. You can be better prepared to defend your position and your need for help when you know what is and IS NOT acceptable. We’ve got you covered.
BLPC AB Personal Injury Lawyer
6505 48 Ave
Camrose, AB T4V 3K3
(587) 844-2026
https://ablaw.ca/camrose/
Since establishing our practice, the BLPC AB Personal Injury Lawyer firm has been helping clients who have sustained injuries in a wide range of accidents. In most instances, these accidents occurred because of another company’s or person’s negligence.
When your policyholders signs an AOB contract they are signing away the rights to their claim to a contractor! This can have VERY negative repercussions if the contractor charges an amount inconsistent with the amount of work they have performed. When this occurs it is the policyholder who pays the price.
MPC Personal Injury Lawyer
8-2465 Walkers Line
Burlington, ON L7M 4K4
(800) 299-0342
https://mpclaw.ca/Burlington.html
Our personal injury lawyers in Burlington have helped countless victims of Motor Vehicle Accidents, Slip and Falls, Public Transportation accidents, and Pedestrian Accidents. Call us now for a free no obligation consultation. We don't charge anything unless we win the case.
What is Insurance ? An agreement that states something is protected if it is damaged, hurt, or stolen. Essentially, when you purchase insurance on something it can protect your investment. If anything happens that is covered by the policy you can receive funds from the insurance company to have it replaced, fixed or receive a cash settlement. www.lifethenfinance.com 2
3. What types of insurance are there? Health Insurance Automobile Insurance Renter’s Insurance Property Insurance Umbrella Policies
Learn the principles and procedures involved in pursuing compensation for a car accident injury from Colorado personal injury lawyer Adam Kielich, managing attorney and founder of Front Range Injury Attorneys in Denver, Colorado.
Active Capital Reinsurance Ltd commenced operations in 2007, mainly providing credit-related reinsurance solutions to financial institutions in Latin America, and it has a general insurance and reinsurance license issued in Barbados.
10 Practical Steps of Home Buying Process. HOME BUYING: Master the Process. Learn the tips and secrets only realtors and lenders know!” What I learned closing 1,500 successful mortgage and real estate transactions worth over $1 BILLION!.
Active Capital Reinsurance Ltd commenced operations in 2007, mainly providing credit-related reinsurance solutions to financial institutions in Latin America, and it has a general insurance and reinsurance license issued in Barbados.
Debra Verstegen, Dickenshied Cravillion Insurance Services, presentation to De Pere Area Chamber of Commerce February 13th, 2013 De Pere at Dawn. "Financial Fitness" panel
Due to the variations in plan benefits and membership fees as well as other regulatory requirements, this presentation is to be used only in Canada. (updated 9/24/09)
This course will help you learn:
You will know what to do if your mortgage becomes delinquent or if you are facing foreclosure
You will know the options that are available to you
Get involved…take action
Mercury offers you well-educated experienced public adjuster which assists to you how you can get back your loss. Our adjusters analyze the damage and ready some documents which helping to you get back your amount of lost. Our adjuster takes your all responsibilities. He handles you in your repairing. He guides to you which type of facts are in your favor or not. He helps you repair your damage
Mercury offers you well-educated experienced public adjuster which assists to you how you can get back your loss. Our adjusters analyze the damage and ready some documents which helping to you get back your amount of lost. Our adjuster takes your all responsibilities. He handles you in your repairing. He guides to you which type of facts are in your favor or not. He helps you repair your damage
Adjuster advocates are your answer to all insurance claim problemsjohnpatrick046
No matter how secure you feel, you are never safe enough in a life filled with unexpected incidents and one never knows when a troubling ball may drop on you.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
1. Wildfire Roadmap to Recovery:
Wildfire Roadmap to Recovery:
Meeting #1, November 28, 2007
Meeting #1, November 28, 2007
Rancho Bernardo Community Presbyterian Church
Rancho Bernardo Community Presbyterian Church
Networking with Community Leaders,
Networking with Community Leaders,
Fire Survivors and State Dept of Insurance
Fire Survivors and State Dept of Insurance
after the October, 2007 Firestorm
after the October, 2007 Firestorm
Karen Reimus
www.unitedpolicyholders.org
2. Upcoming Educational Events
Dec 12th - Insurance (Scopes of loss, Legal issues)
Dec 17th - FEMA (Registration, resources)
Beginning January 10th 2008
Legal issues (San Diego County Bar Assoc)
Contracts, Prop/Title insurance, Adverse
Possession, Landlord/tenant
City Building Depts/HOA
Construction/Contracts/Loans
5. About UP
United Policyholders is a not-for-profit charity
dedicated to educating you so you get a fair
insurance claim settlement
We’re funded by donations and grants
Our online information is all free of charge
UP’s work gets done by volunteers who’ve
recovered from prior disasters and
knowledgeable, consumer-oriented
professionals
6. Insurance is a vehicle
to get you back home
Think of your insurance policy as a car to
drive you where you need to go – but
remember: it’s not going to drive itself.
You paid for it. You’ve got the most at
stake in making sure it gets you where you
need to go.
You need to drive it.
7. Don’t confuse insurance company
ads with reality
Don’t confuse the ads insurers use to sell
their products with reality. Your next door
neighbor is your neighbor – your insurance
company is in business to make money.
8. Insurance companies are in
business
When it’s time for dollars to flow back from your insurer
to you, loyalty doesn’t matter -- what matters is
documentation, organization and negotiation.
The better you document your losses and stay
organized in dealing with your insurance claim, the
smoother the process will go.
A three ring binder with storage pouches is a good
first step
9. Good news to remember:
You’re not alone
Help is available (including UP’s tips, our mentor
program, our network of volunteers and our
sponsors)
You will get through the recovery process
Some insurers and adjusters pay what they owe
without a fight
Getting up to speed on the basics of a large
insurance claim will really increase your odds of
getting a fair and prompt settlement.
10. Insurance policies are contracts
that give you legal rights
Locate complete and up-to-date copies of all
policies on your property and vehicles
Check the dollar limits on your “Declarations”
pages
Read the "Endorsements" (extras) that apply
to your policy
Do the math yourself -- don’t just take your
adjusters’ word on how much coverage you
have
11. Getting started:
Even if you think damage may not be covered,
notify your agent and insurance company that
your property is damaged or destroyed and you
are filing a claim.
If your home was subjected to extreme heat, tell
your insurer to provide you with a thorough
inspection from a qualified, independent
professional, and write to them that you will file a
future claim if hidden damage becomes
apparent.
12. Be polite to your adjuster but be
educated and assertive
Keep a diary and jot down communications with
insurance company representatives. (Many people refer
to this as a “claim diary”).
It is important to confirm representations and
agreements in writing – even though it seems time-
consuming and yet another hassle
Stay in touch with others who are insured by your same
insurance co. to solve common problems
Go up the chain to your adjusters superiors
If you feel you’re being treated unfairly, take action…
13. Advice from other disaster
survivors:
“Your adjuster may be friendly, but always
remember he’s not your friend”
K.R., home destroyed in 2003 “Cedar Fire”, rebuilt by
summer 2005
14. Advice from other disaster
survivors:
“The information and help I got from
neighbors insured with my same company
made a big difference to my recovery. By
sharing problems and solutions we stayed
strong and all came out better”
D.P., UP Board member who recovered from a
catastrophic loss by working with a group of others
insured by the same insurance company that insured his
home
15. Don’t pad your claim
If you lose credibility with your
adjuster/insurer, it will delay your
settlement
Insurance fraud is a crime
16. State Agency Insurance Help
To locate missing policies or file a
complaint about unfair treatment; contact
the California Department of Insurance
1(800) 927-HELP
17. Resist being rushed or
pressured
Do not be pressured into a quick
settlement
A catastrophic insurance claim can take
two years or more to get fully and fairly
settled
18. Be careful before signing…
Don’t sign claim forms, checks or drafts
that say or imply they are “final” or “full
settlement” until you are sure you
understand your rights, your coverage,
and the full amount of your losses
If your insurer asks you to sign a claim
form before you know how much you’ve
really lost, write in “undetermined”
19. Get independent estimates and
opinions on repairs
If insurance company adjusters or
contractors offer to settle based on
computer-generated or “lowball”
estimates, get independent estimates from
qualified local builders or construction
professionals and read our FAQs.
Aim for estimates that can be compared
side by side with your insurers’ estimates.
20. Repair/Rebuilding tips
Insist on "like kind and quality" repairs (e.g.
redwood vs. pine, custom vs. standard)
Details add up
Don’t accept “lowball” estimates or sub-standard
workmanship
Your repaired home should have a uniform
appearance – don’t accept non-matching items
Check out repair professionals before hiring
21. Contractor overhead and profit
Payment of contractor overhead and profit
are standard items that should not be held
back by your insurer
10% overhead and 10% profit are
standard
22. Contractor scams are very
common after disasters
Before you hire a contractor, check their
customer references and their license
status online with the Contractors State
Licensing Board www.cslb.ca.gov
or call: 1-800-321-CSLB (2752)
23. Save and submit receipts to get
fully reimbursed
Get and save receipts for temporary rent,
and “additional” living expenses and
replaced items.
Get a manila envelope, keep it handy and use
it to store
Be sure you are fully compensated for all
expenses, temporary and permanent
repairs, and replacement purchases.
24. Tips on replacing contents
If your adjuster seems to be unfairly
depreciating items, remember it’s all a
negotiation – even insurers find
depreciation confusing
Submit receipts to get reimbursed for the
full cost of everything you replace
Get help from stores, friends, and the
internet to remember and price lost items
25. Don’t get “snookered”
Do not do any of the following without first
checking with an attorney who has
experience representing insurance
consumers (policyholders):
1) Sign "releases" or waivers
2) Give a recorded statement
26. Resist high pressure sales tactics by
public adjusters and contractors
Do not hire a Public Adjuster (“P.A.”) without carefully checking their license
status and speaking with at least two former clients.
P.A.s work only for policyholders – not insurance companies. They are
regulated by the CA. Dept. of Insurance and there are CA laws that limit
their fees and how they can solicit.
Insurance company adjusters are not required to be licensed.
An overloaded or unethical P.A. can further delay your claim, make matters
worse and/or diminish your settlement;
A diligent P.A. can take the weight off your shoulders by fully documenting
your claim and negotiating a higher settlement than you’d get on your own;
27. You paid for coverage and good claim
service.
The premiums you paid entitle you to coverage for
losses and good service and you should not have to hire
professional help to get a claim paid fairly.
United Policyholders offers free, "road-tested" tips and
information and support to help you be your own best
advocate in getting the full benefits of your insurance
coverage.
However, if you suffer a major loss involving a large sum
of money, you may need to hire professional claim help
to get a full and fair settlement. Insurance companies
have expert lawyers and claim professionals on their
side. You are entitled to the same.
28. Advice from other disaster
survivors…get educated!
“Thanks to what we learned from United Policyholders,
we negotiated a settlement with our insurer and avoided
a lawsuit”
S.R., home destroyed in 2003 Aspen Firestorm outside Tucson, AZ., rebuilt
by spring 2005
“We needed a lawyer. With UP’s tips we hired the right
one. We settled with the insurance company in a
mediation, and now we’re rebuilding and moving on”
P.T., Florida resident recovering from Hurricane Ivan
29. Get the right lawyer if you decide
you need one
If you decide to hire professional help, contact at
least two former clients, ask direct questions and
check the professional’s license and insurance
Insurance is a specialty. Don’t hire a lawyer
unless he or she has hands-on claim experience
Visit UP’s site, read our tips on hiring
professional help
Visit the “Find Help/Our Sponsors” section of our
website to find professional help in your area
30. For More Information:
Get a free copy of the Disaster Recovery
Handbook and Household Inventory Guide
by emailing info@unitedpolicyholders.org,
and put “book request” in the subject line
Visit UP’s website and search for more
claim tips, articles and helpful info at:
www.unitedpolicyholders.org
32. Introduction
Adam Richardson
2003 Cedar Fire Survivor and Founder,
North Pomerado Recovery Group
33. Introduction
Jan Rasmussen
2003 Cedar Fire Survivor,
Fired Up Sister
RBCPC Fire Recovery Ministry
34. Importance of Networking
Community networking groups
- Advocacy Groups: Fired up Sisters and United
Policyholders Insurance
Registering as a fire family with RebuildingRB.com
RebuildingRB.com vs RebuildRB.com
Form your own rebuilding email group based on
neighborhood, school, or HOA affiliation, or even the
contractor you rebuild with
RBCPC Liaison program (swoodley@rbcpc.com)