Installation Floater Insurance question
DW H
18 days ago
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18 days agolast modified: 18 days agoRelated Discussions
Homeowner's insurance question continued
Comments (11)To mepop, Thanks for your reply. I question your observation that the depreciation is due to poor maintenance. I keep everything up the way it should be kept. ( I admit that keeping very light colored ceramic tile spotless is hard with 3 big dogs). lol But, I do the best I can. Is it normal maintenance to remove the bottom panel of the dishwasher to check for leaks? I am a 66 year old retired female and don't recall ever hearing of a homeowner checking under there. I am going to purchase a sensor that detects water leaks which is a very cheap solution to the mess I have now. The dishwasher was purchased the end of 2012 and installed by the dealer and I had them out several times at the end of 2013 before the warranty ran out although there is a 10 year warranty for major components. There is no way to know how long it has been leaking but I sent the defective part that they replaced to the insurance company for possible subrogation. The bug situation are bugs that are called sowbugs ( they gather in damp places and to me look like tiny armadillos). The way I found them was I took up the transition piece between the laminate and the ceramic tile and they were crawling around on the plastic soft floor stuff. That was when I realized I had a big problem. If all the floor was tiled, I would have no way of knowing there was a leak until the floor all fell in. I am the one who crawled around in the 3 foot crawlspace and pulled wet insulation down to find the source of the leak and I also put a big fan and a dehumidifier down there to dry it out. I talked with the insurance adjuster yesterday and they are going to change the estimate to reflect the difference of subflooring and are going to leave it open ended for additional damages as the demo proceeds. Yesterday the flooring guy was here and he said you need to get that dining room flooring up sooner rather than later because that will have black mold under there so I moved all the dining room furniture out and took up all the flooring and plastic stuff, sprayed the wet plywood down with a bleach solution and got a fan running on it. Does that sound like a person who doesn't do maintenance? I may just paint that subfloor to seal in any mold until the contractor gets here. I had no plans for redoing the bathroom; it was perfect just the way it was....See MoreHas Anyone Had Yag Laser Treatment of Floaters?
Comments (8)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....See MoreTradesmen's Insurance & Bonding Question
Comments (12)"The mason just left. He went and GOT insurance to do our job." We hired someone to do a job and we required that he have liability insurance. He, too, "went and got insurance to do our job." I contacted the agent to make sure it was legit and he confirmed that a policy had been issued. Unfortunately, since I knew the guy we hired, I did not require that the agent send me a binding certificate right away and told him he could send it on Monday (he asked if that would be okay). The job only took about a week, and I was still waiting for the certificate to arrive when the job was completed. I called the agent to see what the delay was and he informed me that the guy we hired had called him (apparently right after he started the job on Monday) and canceled the policy. I asked the agent how that was possible when he himself had told me that a policy existed, he said since he hadn't issued the certificate yet, the policy could be cancelled. I took him at his word that a policy was in effect, but I should have made him give me the certificate right then and there. I was disgusted, but it was my own fault ... I should have been more diligent and less trusting. Lesson learned ... if the guy has insurance, have the agent send you a certificate proving it. And don't take anyone's "word" for it. Any legit business will be able to have their insurance company provide you with a certificate. And if he truly did get a policy just to do your job, they will be able to issue that certificate immediately....See MoreIKEA Kitchen installation questions
Comments (39)I agree that using RTA cabinets makes no sense if one is having a GC do your kitchen. As I posted, the savings for RTA is when a homeowner is doing the assembly since they are saving on labor costs. If your GC is assembling them you are paying a lot of money for that and you would be better off purchasing a better middle of the road cabinet line, In my experience, the factor that drives up remodeing costs especially in a high cost of living area like New York City area is LABOR. With a small kitchen or bathroom the cost of the materials is less significant and is one of the positive aspects of having a small space - one can splurge on higher end finishes because the incremental cost is relatively insignificant and labor is more or less the same for nicer or even luxury finishes. I realized this when I priced out tile and the cost between the tile I loved and the tile that would have been a compromise was minimal and the cost of labor remained constant. Also as I posted the cost for doing a small kitchen in a multi-family condo is going to be vastly more expensive than doing the identical kitchen in a single family home even in the same area because there are all kinds of costs that are added. Not to mention that many GC will not work in a condo/coop although there are probably more with that kind of experience in a place like NYC where there are more multi-family condos....See MoreDW H
16 days agoD Dawson
15 days agoDW H
15 days agoZumi
14 days ago
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D Dawson