Insurance Claim letter For Damaged Goods

Hey this is Jeremy from Shine Insurance and today we’re going to make real simple work of home owner’s claims. We’re going to break it down into five steps that you can easily understand so you have a sense of how homeowners claims work whether you are involved in one right now or you just want to be prepared for one in the future.


Insurance Claim

We’re going to use this info graphic I’m going to explain it and go through it. So it starts out with something bad happening to your home.  Maybe that’s your water heater pipe bursts and floods your kitchen floor. Maybe that’s a fire that started because you are deep frying turkey and it overflowed and had a fire.Whatever the claim situation is you have damage to your house.The first thing you want to do is call emergency services and stop the damage.So may be that 911.  If your house is on fire obviously you want to call 911.You want to get the fire department out
there as quickly as possible.If it’s not emergency services like 911 then you may just need to turn the main water valve off on your house. Think right now in oceanofgames if you know where that is and if you don’t you definitely need to find it because when you turn that main water valve off the water stops pouring out of whatever the situation is and no more damage happens.You may also want to call a remediation specialist.

These are people who come out They’ll usually come out 24 hours a day and they are going to immediately begin to assess and deal with the damage that has happened to your house.  If that’s water damage, they’re gonna start putting fans and dehumidifiers and things like that in your home.So once the imminent danger is past, you want to stop the damage and it may be time to call a remediation specialist who will come in and start to fix these damage.The next step is that you want to start an insurance claim.  You want to tell your insurance company that this has happened.  That means calling your insurance company or calling your insurance agent and explaining the situation to them.  They’re going to ask you some questions,give you a claim number, and get the process started on their side of of dealing with the claim.  So step 2 – start an insurance claim. Step 3 is you need to start fixing the damage.  So you’re going to hire contractors to fix this damage.  Now oftentimes the remediation special is that you called at the very beginning is also a general contractor who can continue through the process and fix all of the damage from beginning to end.For this reason, you may decide to continue working with your remediation folks through these process.  Or, you may decide that you have roof damage and you want to call a roofing specialists or you have plumbing damage and you want to call plumbers or you want to call just a general contractor who is going to come in and help you to fix the house.Obviously, if your house is completely destroyed then you’re going to hire a general contractor for sure who’s going to go through the process of rebuilding this house for you.  So the contractors are really the biggest part of the process because they’re the ones that are going to be fixing your home.They’re going to be paying for whats covered.So step 3 is you’re going to need to hire the contractors to fix the damage.To review

Step 1 – you stopped everything,

Step 2 –  call your insurance company,

Step 3 –  you hired contractors. 

Now to Step 4:

You got to pay those contractors right?So that’s where the insurance company comes in.  Since you started the claim hopefully the folks from the insurance company have come out,told you exactly how the process works,
began communicating with your contractors.


That’s super important that both sides are communicating with each other and eventually come to terms on what the cost of fixing your home will be.  Oftentimes the insurance company is going to write you a check.They’re not going to write the check directly to the contractor you can check in oceanofgames.  They’ll write that check minus the deductible.  So if you have a thousand-dollar deductible which is super common on home owners policies then they’re going to write a check for the cost of fixing your house minus your deductible.  Now there’s all sorts
of other variables that come in here and i’m really really simplifying it but the basic concept is the insurance company is going to pay.  They’re going to write you a check.  Then you in turn are going to pay the contractors for fixing the damage.At that point you can move on with your life.the damage has been fixed, the issue is resolved, and everybody move son with their lives.  So that is step 5 move on with your life!  Notice in the middle there I have you there and obviously you’re in the middle of the situation.But if you’re with an insurance company that is one of these big insurance companies than you really are the one navigating it.  You’re going to have to be communicating with
the insurance company, you’re going to have to be communicating with the contractors, and this is the point where I really point out one of the most important reasons to consider having an independent insurance agent
because through this process when you call your independent insurance agent they’re going to help make sure that the damage is stopped at the very beginning.

Insurance company.

They can help you make sure that you’ve turned in your claim to your insurance company.  They can recommend some contractors in town.  They work with tons of them so they’re going to know who the best contractors are to work with.They’re going to make sure that you get the most money from your insurance company and the money you deserve.Ultimately and finally they can help you to make sure that the work is done.So they can help you with all the stuff going on.  With other insurance companies when you go directly to the insurance company you don’t have an advocate, a person who’s working for you through the claims process.  To me that’s the most important thing because in the end they are going to help you to make sure that you end up satisfied with the process.  Look no one likes claims.  No one likes to experience bad things happening to their house but when you’re done with it when you’re through it you certainly want to feel like it went well.  Having an independent insurance agent who is helping you walk through it is is a super big deal in my opinion.Alright so let’s just go through the five steps real quickly again.  You’re going to call emergency services and stop damage.You’re going to start the insurance claim.  You’re going to hire contractors to fix the damage.Ultimately, you will pay those contractors and finally you’re going to move on with your life having completed the experience and succeeded in making it as good of an experience as it possibly can be for having aa bad thing happened to your house.Ok,that was it.  If you’re interested in some other Shine videos we’ve got a great New Home Buyers Guide.  If you’re going out and buying a new house for the first time or if it’s just been a little bit since the last time you bought a house, we really walk you through the process.If you’ve never really understand term life insurance we’ve got a really simple explanation.  It’s very similar to this one just really quick, surface explanation.

What Is Black Box Insurance ?

Black box insurance is a type of insurance specifically aimed at young and new drivers who have recently passed their test.

Affordable Car Insurance

It is a way for young drivers to get affordable car insurance, in return for having a small,discreet box fitted to your car.It measures how well you’re driving by recording your braking, speeding, acceleration and how you go around corners. It also keeps track of the number of miles you’re driving and notes the time, location and type of road you’re on all of which is used to work out your driving score and let you know how well you’re doing via your online portal.The better you’re driving score, the greater the chance to earn a cheaper price at renewal but drive badly, break the rules and drive too fast, and you might get warned, fined or even have your policy cancelled (so make
sure you’re driving safely and carefully.The aim of the black box is simple to help young people get cheaper insurance, and help create better, more responsible drivers.

Black Box Insurance

Black Box Insurance Policy

Things To Consider And Look Out For In a Black Box Insurance Policy? There are a number of young driver black box insurance policies out there, all of which work slightly differently from one another,
with different rules, and different rewards.When choosing which policy is best for you,
here’s a few things to consider

  • How much can you save with a black box
    policy verses standard car insurance?
  • What are the rules on your policy and what
    are the penalties for breaking them?
  • How soon do you need to get your box fitted,
    and what happens in the meantime?
  • Does your policy have any mileage restrictions
    and can you increase them if you want to drive more?
  • Does your policy have any curfews, and night time restrictions?
  • How do you find out how well you’ve been driving, and get feedback on your driving
  • Is there an easy to use, online portal you can access?
  • If your car is stolen, can your black box help to the police to recover your vehicle?

Young Driver Insurance Team

If you’re involved in an accident, will it be able to help you prove what happened,and show it wasn’t your fault?So if you’re interested in a black box insurance policy or want to find out more, get in touch with our specialist Young Driver Insurance Team and see how you could benefit.Think Insurance Specialists in Young Driver
& Black Box Insurance

Ocean of Games Best Game Review

Dead Rising 2 is a genuinely fun game that improves upon its predecessor in nearly every aspect,save for it’s reduced difficulty,lack of charm, and some aggregious DLC fuckery.The original dead rising’s appeal rested largely in the fantasy of being in a mall and going apes hit on the other patrons.Who among us hasn’t imagined pushing a fat bitch down the up escalator and watching her fall endlessly, smashing a pushy kiosk worker over the head with their own display case of knock off Pokemon branded cell phone cases,or twisting an ironic nerd cred t-shirt around a smarmy hipsters neck until his bitch tits explode?

Ocean of Games

Weapons In Dead Rising 2

And while you can still use environmental items as weapons in dead rising 2, the game incentivizes using combo weapons by awarding extra experience points for their use and the damage per second ratio is completely unbalanced.If creating a combo weapon was tied to a game-play related reward, like a roll of duct tape that appears in the safe house for every hundred zombies chuck kills, this would be a non issue you can download this awesome game from ocean of games.However, the most powerful weapon in the game is easily mass produced in the area immediately outside of the safe house and you’ll rarely have a reason to use anything else.Zombies are also more docile than before,allowing Chuck to run through crowds completely unmolested, which I think we can all agree,is the least gratifying way to run through a crowd.This eliminates the need for improvising weapon son the fly and allows the combo weapons to be easily hoarded for boss fights.In the original, if a survivor was grabbed,the player was punished with a gruesome cut scene of zombies tearing that survivor apart.In this sequel, the improved survivor AI combined

Zombies Trivialities

with the toned down aggression of zombies trivialities return trips to the safe house
to the point that the only survivors I ever saw die were the ones that I killed myself.Vehicles return in a larger fashion and serve as nice late game unshockable that roll over for future play through.However, most four wheel vehicles move painfully slow and lack tactile feed back.Though that could be in part due to the PC port lacking native controller support.And while the keyboard controls work just fine, you’ll often try to dodge an attack and wind up opening steam workshop instead.Graphically, Dead Rising 2 is competent.Zombie hoarded number in the thousands, shambling under neon lights and between glittering slot machines.Each area is lit differently, making them easy to mentally sort, and the overall quality of the in game assets is terrific.

Main Character

However, the design of the main character is lacking.Frank West was ugly in a relatable kind of
way like a bricklayer who accidentally took a concrete block to the face, an alcoholic that got into one too many fights, or a Jewish woman.Chuck Green on the other hand, looks like a stroke paralyzed the top half of his face.I get that he’s supposed to be dead on the inside since his wife died.but that occurred off screen in a console exclusive DLC that most people don’t even know exists.which brings me to my biggest gripe; while i can appreciate the amount of content in dead rising 2, as part of the overall package, dead rising 2 is incomplete.ocean of games Dead Rising 2: Off the Record, re imagines dead rising 2’s events with Frank West in place of chuck green.It could have been included in the base game as an unlock able mode or at least as a cheapen.Instead, its a 20 dollar stand alone spin off with just one new area, three new bosses,and slightly different dialogue.