I claimed for my tv in laptop under home insurance but they want proof of purchase, do i have to have it?
Answers: of course yeah, else you could claim anything really, a ferrari, the helicopter, the jacuzzi on your roof, the labrador in the japanese garden you have in the back, although your living on the 11th floor, so 'n so ...
They are trying to make sure a/ it was yours and b/ when it was purchased.
What tends to happen is that people buy laptops second hand and trash 'em to get a new one. Naughty people ruining it for the rest of us.
xxFJ
Yes as anyone could say that they had expensive tvs, hifis etc.
They may ask for a receipt only for items above a certian amount, and if you can't prove you bought it, you maye get up to that amount only.
You really should keep all receipts for expensive items, I have all of mine for just such an event
Hello,
You have have to prove you owned it, so that they can insure it, and there needs to be a value.
I think but am not 100% sure that the laptop would act as a receipt.
JUST A THOUGHT if all your reciepts were in a box and you had a fire and the box was destroyed what would the insurance do then all the proofs have been destroyed
well if you still have them items try providing a picture of the items if you no longer have a receipt. if you used a credit card to purchase the items, you can contact the card compnay and they can provide you a statement showing the purchase.
Your policy stipulates that, in the event of a claim, you will work with the insurance company to provide any necessary proof of loss.
I'm assuming the tv and laptop were stolen. Otherwise the damaged units would suffice. If that is the case, and you don't have the receipts you will need to work with you adjuster to see what other proof they would accept. (You might be able to get duplicate receipts if you know where and when the units were purchased. Contact the store and see if they can help.) If you have pictures showing the inside of your home and the tv was in the picture, that might suffice.
For future reference, take pictures or videos of your home and store them off premises. Pay particular attention to the more expensive items when doing this. Write or record serial numbers, etc for those items that have them and keep copies of your receipts. Claim time becomes much less burdensome when it has been prepared for.
Yes of course you do. If you don't have a receipt then produce a credit card statement showing purchase. Failing that send a copy of the guarantee and the original manual. You have to send something to prove ownership.
Health coverage if i go from one job to another?Health problems now. will a new job's health plan cover me?
Answers: If there is not a gap of more than 63 days between coverages, there will not be any pre-existing exclusions. If there is a waiting period to get the insurance with your new coverage, take out COBRA with the old employer until you can enroll with the new. Make sure you get a Certificate of Creditable Coverage from your old plan to prove that you had the coverage with them.
We just went through this. My daughter has a birth defect that requires a growth hormone injection for 2 years then she will need hormone replacements for the rest of her life afterwards.
When my husband switched companies the new insurance company did not process it apparently in time and they requested us to pay $700 up front and then they would keep covering her. We did not have it in time and they are making us wait till November 2008 to cover her pre existing condition. I would contact your human resources director about the conditions that the insurance company they use goes by and what penalties or additional upfront payment will be needed to keep you covered due to a preexisting condition. They may or may not cover your preexisting condition until you have been vested in the insurance for over a year or may make you pay a large down payment prior to allowing you to use the insurance for it. I wish we had known this prior to my husband switching jobs.
Good luck and hope everything works out for you.
Pre existing conditions.they may...but the premium will go up significantly.
Most insurances will not cover...they are in it for the money...they won't take a risk if they don't have to.
How to write a business plan?
how to write and present a business plan wherin , medical data entry is done by a firm and for adjectives the people giving thier notes they get an insurance of a convinced amount for one yearAnswers: I'm not entirely sure of your business concept, but that's the purpose of the business plan -- to clarify and put in writing your business notion
Here are some resources that can help you write your business plan:
- SBA Business Plan Basics http://www.sba.gov/starting_business/pla...
- PowerHomeBiz.com Creating a Business Plan subsection http://www.powerhomebiz.com/startup/busi...
- Entrepreneur.com Writing a Business Plan section http://www.entrepreneur.com/bizplan/0,72...
You may also want to review some example business plans to see how it actually looks approaching:
- Bplans.com http://www.bplans.com/sp/businessplans.c...
- MOOT Corp Business Plan competition winners
http://www.businessplans.org/businesspla...
- VFinance - View hundreds of tangible business plans in pdf format. http://www.vfinance.com/home.asp?bps=1&T...
- Business Owners Toolkit Sample business plans and information on how to create a plan. http://www.toolkit.cch.com/tools/buspln_...
- PlanWare Planning software and information. http://www.planware.org/
- Virtual Business Plan Walk through the design of a business plan. http://www.bizplanit.com/vplan.html
- SBA Business Planning Guide http://www.sba.gov/starting_business/pla...
- Small Business Advancement Center http://www.sbaer.uca.edu/business_plan/b...
- Sample Business Plan General planning guide created by the Canadian Business Service Center. http://www.cbsc.org/servlet/ContentServe...
- Business Plans Index - A subject guide to indication business plans and profiles for specific business types from Carnegie Library of Pittsburgh. http://216.183.184.20/subject/business/b...
Some recommended books are :
- Business Plans Kit for Dummies
- The Complete Book of Business Plans : Simple Steps to Writing a Powerful Business Plan
- Writing Business Plans That Get Results : A Step-By-Step Guide
- Business Plans For Dummies(R)
- Your First Business Plan : A Simple Question and Answer Format Designed to Help You Write Your Own Plan
Here is a website that discusses it in detail: http://www.myownbusiness.org/s2/ I have to write one of these for a technical writing class.
There are some righteous examples on the site as well. The URL to the examples (in different formats) are here: http://www.myownbusiness.org/s2/#6