I entail a database for estimating costs of personal property items (like clothing) for insurance claim.?
Question:
I don't want to look up each individual item on the Internet--it is too time consuming. What do insurance adjusters use to determine merit? Or public adjusters? sweaters, shirts, skirts, vintage clothes, coats, designers who are now gone from the scene, how can I find out the helpfulness?
Answer:
They have the book, I m not sure what it's call but it's more like a blue book. I don't give attention to they go by respectively small items. they just assumed the number of items and jump from there.
Try local library or scrabble for insurance adjuster book or database, u might find something.
Estimation and good luck.
try some collector books from the library. bar doing a detailed search, you won't find a program which will determine pro for you. it's far to complex and the collector market is to differentiated to be capable of design any database. values are determined by what someone will pay for the item(s), though previous sale will be a guideline. most dealers will overprice things simply to get what they reflect on the real convenience is. sorry i can't tell you more.
Quicken home and business. Also turbo levy has an donate on called "It's Deductible" which is great for estimating values for speculation purposes.
Adjusters have for a while flyer, with the depreciation amounts for adjectives items. It's cost new, smaller amount depreciation. Example: Clothing. Most clothing is fully depreciated by the time it's 3 years old. So, you hold a dress. Estimated cost new, $80. It's four years feeble. Depreciated value: $0. Thrift store expediency - shirts, $2, skirts, $3, sweaters, $5 if they're cashmere, etc, is the best you're going to hope for for "vintage" clothing.
There isn't a database for this. If this is for YOUR claim, you're going to have to do the legwork if you want to claim it. Adjusters see hundreds of claims a week, after six months or so, they don't even look at the flyer any more, as they've see thousands of items. If there's something that they think you're value too highly (Bunny Slippers, $50), they will possible ask you for proof for that item.
I refer all of my Home Owner customers to this website. It's a free home inventory program. I reflect this is what you are looking for.
http://www.knowyourstuff.org
you know.. we had a huge loss... I be luck and had videoed adjectives our contents.. clothes and everything.. (Ins.Industry for 20+ yrs.) occasionally showed a mfg label for the cam corder.. I have nice clothes, pendleton blankets, etc...
So when the big one hit.. I went to the local Macy's. my tapemy agent have one, the duplicate was within the safe deposit box.. both dated and initialed y me and my agent (always a apt idea. get out my cam corder and told the sales entity that I needed prices on everything. They were lively.. commission, ya know... lol
I picked Macy's, because they could handle the kitchen stuff. next I did the same entry in the cosmetics dept... etc grocery store.. talk to the store manager, explained the situation and snagged a cooperative young man and we go and get the pricing on everything.. Macy's put everything on excel for me.. ut then, commission, ya know.. lol
the groceries be the only entity I had to put on myself. the furniture store be happy do to a spread sheet on excel
Merge, merge.. TADA
copy to the adjuster they started out that they weren't compatible next to excel. I asked them if they wanted to buy it, or reimburse me for my time.. they get compatible. make 2 columns. you're entitled to unmarked for old, near a paid taking.
if the dress at Macy's isn't available anymore, then should find close to kind and trait that's the price. the same item for cosmetics. If they have upgraded their mascara.. it's yours.
Put it on a credit card at the birth of your billing cycle, or the Ins Company is on the hook for your interest... they can issue payments in increments.. they can't expect you to purchase everything at once. on your excel sheet, confer on column A as a small box so you can put a a date in it / date submitted / date ck rec'd adjusters are fallible simply like everyone else. you'll be making a copy of the excel sheets every time you submit a purchased schedule of items. It helps when you own a friend that likes to shop. or return with a personal shopper for the clothes.
We had that repulsive mold.. so even our furniture went what a mess... if you enjoy anymore problems let me know.. sastolz2000@yahoo.com
DO NOT LET ANYONE TELL YOU THAT YOU ARE GOING TO GET DEPRECIATED VALUE FOR ANYTHING.
IF YOU HAVE REPLACEMENT COVERAGE ON YOUR HO.. THEN YOU GET REPLACEMENT COST NEW FOR OLD AS SOON AS YOU BUY IT.
EVEN IF YOU PURCHASE NEW FURNITURE... 8 YEAR OLD TV.. IF IT WAS A TOP OF THE LINE SONY THEN, YOU ARE ENTITLED TO THE SAME TOP OF THE LINE NOW.
i am 2 recieve a settelment ,workmans compensation requirements 2 put a disclaimer almost set aside money for medicare
Question:
i am not on any goverment programs at all . can they do this
Answer:
That's a officially recognized question, sorry. It might be required by medicare, or your state insurance commissioner, and as you haven't be particularly specific in the order of the disclaimer, it might be perfectly required.
As a taxpayer, I'd be ripped if you be "double dipping". If they are paying for your medical treatment in the settlement, that money HAS to be earmark for medical treatment, not a trip to Hawaii while the taxpayer (me) pays for your medical treatment through Welfare (medicare).
Does anybody know the insurance company call americo? and what's the rating for this company?
Question:
Answer:
http://www.americo.com/
There's the company site.
Financials:
http://www.americo.com/financials.html...
wht r d adjectives prospects of insurance industry contained by india?
Question:
Answer:
its awesome! it is set to boom to greater hights. below mentioned are few reasons why it is set to make new level
1. Ever increasing indian economy
2. Booming IT/ITeS sector
3. More old pupils coming out of the college every year
4. People are getting more health concious than ever.
5. We hold very few players within the market, haven't exploited the potential fully nonetheless.
Wat do you mean by prospects? As an industry? or surrounded by jobs?
In both, Insurance will surely verbs to grow.
Wiil be great with the allowance bill getting passed.
prospects of Insurance industry is good both surrounded by India and abroad, if you do internationally recognised certifications contained by insurance, you will get importantly paid job in India itself, abundant software industries make packages for foreign players.
I'm within the UK and obligation to insure three diamond rings - anyone know of a company that simply insures ornaments??
Question:
Hi everyone, I've got three rings that I requirement to insure for about lb4,000, lb5,000 and lb6,000 - I wear them adjectives day, every sunshine. Does anyone know of any company that just insures rings or charms?? I've been surfing and can't obtain any joy at adjectives! Please help, if you can! Thanks xx
Answer:
Your own Home insurance should suffice, you may/will inevitability to provide photogrphs and a proper valuation, ask for all risks cover whilstoutside the property etc.
If specifically a no go , next drop in to any glorious street jewellers, they all trade policies for this contingency.
I insured mine though my home contects policy as it worked out alot cheaper. You need to engender sure you list them seperately .
I used to use Lloyds of London
In the UK your house insurance usually will cover as quantity of contents items up to a value between lb1500 to lb3,000. Depends on the insurer as to what maxium they allow... and whether your items would be covered outside home (some insurers will).
However I realise that even upper cover won't fully cover replacement plus in your satchel. You can then ask house insurer to tender you a quote for specific items.. (my Mum got her Grand Piano insured this opening for value of lb6,000 - however she chose not to renew the extra cover this year as it be like an extra lb120 pa for that one extra item... and i talk her out of it... its not gonna be first item a thief would want to steal and fire risk is minimal)
Alternatively try a broker such as these: http://www.tailoredinsurance.com/fine-ar...
lloyds of london. That is what they specialize contained by. You can get it through agents, simply look in your phone directory.
Contact a broker (just check the Yellow Pages for a local broker) and ask roughly speaking a valuables policy
The rates are usually cheaper than home insurance and they can shop around to get you other.
Make sure the broker is independent and not "tied" (if they're tied, they will only quote you from a single or small group of insurance companies)
Does anyone know the best Home Inspectors insurance within CA next to the best rates?
Question:
Answer:
BEST? How about ANY? I presume there are single one or two carriers contented to do this, and the rates should be in impossible to tell apart ball park.
You're going to own to contact an independent agent and get some quotes.
Ya!
My mother is involved next to that
Contact me for more info
What sort of Life assurance / mortgage cover do i entail?
Question:
We have an interest solitary mortgage and need to bring back some kind of cover for duration insurance / endowment or mortgage assurance - we have no belief what to look for - we want it to pay past its sell-by date the mortgage should anything happen to any of us - can anyone advice?
Answer:
You stipulation a level occupancy insurance policy to run the length of time your mortgage is departed. Options you also have are
Joint vivacity first death - Meaning one policy near two people on it and the first being to die the money pays out and policy ends.
Two Single Policies - For a small price more you can have a single policy of which when the one who owns the policy dies the money is compensated out. The benefit of this is that something happens the both of you twice the money is remunerated out (two policies two pay outs) and someone else benefits ie children
Just don't purloin out cover for the amount of your mortgage but consider - do you have loans, burial expenses, and money to restore your health from the lost of an income?
Just dont pick the cheapest policy but the company who seeks to salary out without little if any red video. After all you salary insurance to claim on should something happens. Any problems contact me Life Insurance Specialist - goodfinances@hotmail.co.uk
We have a repayment mortgage which also covered us if either of us died the mortgage would be remunerated. This was next to Lloyd's/TSB.
You need a rank term assurance policy as the entire debt will remain constant throughout. A decreasing policy would be cheaper, but would not suit your requirements and contained by the event ofthe worst happening would remuneration out the amount you need.
Seek direction from an independant financial advisor. For this type of work there would be no levy and they would be able to find the best buy and sell for you.
This site might have some accommodating advice for you. http://insurance.divinfo.com/
Hi, your friendly insurance guy here again. :)
Essentially, your satchel is one that Term insurance works well for. Term insurance can be purchased for a duration equal to down your mortgage (typically 30 years.) If covering the mortgage is your only dream, then buy the insurance next to a face significance equal to your total mortgage payoff amount.
For example, if you have a $250,000 mortgage near a 30-year payment term, you would buy 30-year level occupancy (meaning the premiums stay the same for the entire 30 years) beside a face advantage of $250,000.
I generally do not recommend such a formulaic method for my clients, however. As another poster pointed out, upon your loss other expenses will be immediately historic, such as funeral costs. You may also feel it key to pay past its sell-by date all outstanding debts so your people can move forward wtih life debt free. In that shield, add funeral costs, credit card payoff amounts, motor payments, student loans and the like to the total obverse value.
Basically, since you buy, make sure the frontage amount you apply for will cover everything you'd want paid sour for your family, not only just the mortgage. Your family will be much better past its sell-by date with insurance proceeds that contest your specific overall circumstances rather than only having one call for relieved.
Best wishes, and feel free to write next to any questions.
First, you stipulation to get rid of your interest-only mortgage. Why? None of your payments are going to the principal, and that`s why no equity is being build up. Plus these interest payments are conditional and you may fix an income shock when principal payment is involved. For example, let say you are paying $600/month right presently on your home. This is just interest payments. In few years, it will drop to maybe $900/month. Are you competent to afford the extra $300/month payment?
Since your aspiration for purchasing life insurance is to retribution off your mortgage contained by case any one of you die, you should purchase a 30 year term insurance. They are inexpensive and you can buy lots of coverage.
While residence insurance is inexpensive, you should consider opening an IRA description (try for Roth IRA if you qualify) if you haven't already and put money into it every month. If some mutual funds, you can invest systematically for as little as $25/month. Others may need $50/month. Investing systematically is honest for you since you are building wealth for retirement and also lowering the costs per share. You should read the prospectus favourably before investing into a mutual fund.
I strongly advocate that you refinance your mortgage into a fix-rate mortgage after you purchase your life insurance.
Please turn and see an independent Mortgage / financial adviser. You will find one contained by your local phone book. Ask for a free first meeting, and listen to the insist on given. Then go to another to see if the recommend is consistent. Make sure they are independent as they can look at the whole souk to find you the most economic solution to your problem. polite luck
how to find out if a love one have an insurance policy?
Question:
Answer:
I have no clue aside from finding where on earth they kept their important files / papers / documents (car title, mortgage receipts, contracts, etc) and look through them.
Usually the closest relative have access to these papers.
I would guess a slow painful booklet search calling insurance companies giving them the label and address of the deceased may lend a hand, but would be as I said.., painfully slow.
If the party was employed at the time of his/her annihilation, contact the Human Resource (Personnel) department and they should be able to make clear to you. Other than that, you would just own to search for a policy or contact the insurance agency you meditate he/she may have have a policy with.
Go through their personal documents looking for a copy of the file. Look contained by their safety deposit box. Go through their financial documentation looking for cancelled checks to insurance companies. Contact their auto and homeowners insurance agent.
Here is a good article in the order of finding lost life policies:
http://www.findlocalinsurance.com/lostli...
Cost of robustness insurance for state workers within NC?
Question:
Can anyone tell me what the cost is for an member of staff of the state of NC for dependent health and dental insurance? Not the total home plan cost, but the cost for dependant children.
Answer:
Looks like it is $100 a month to attach family coverage.
I posted a intermingle so you can read through the State plan.
How do you contact the boss insurance headquarters?
Question:
I had a compensated up policy some years ago for 2,000 and how do one contact the head insurance organization to find out if there is a policy on profile? Also will this help as I also forgot the nickname if the insurance company.
Answer:
The "head insurance office" is not going to be found if you don't know the mark of them!!
If you're asking for one governing legal authority, in attendance isn't any. Each state is pretty much autonomous.
Your best bet is to go through your aged bank collection and see who you paid, "some years ago", afterwards go from here.
In the Philippines what type of saloon accident do motor insurers cover? How can we label claims for our motor?
Question:
Answer:
Odd, I filtered this to US Questions Only and it come up. Anyway, like any OTHER policy, you'll enjoy to read it to see the exact terms and conditions. To directory a claim on YOUR policy, call your agent. To directory a claim on someone else's policy, well, you can't. THEY enjoy to. You'll probably have to sue them.
Can you profile and collect from 2 different insurance companies?
Question:
A home health agency member of staff was taking vigilance of my mother in her home and started a kitchen fire. Can she rest damages from the home health agency and also record a claim with her homeowners insurance? We don't know if the home robustness agency will go through their insurance company or lately pay her outright for damages. If they only just pay her for damages, can she still profile and collect from her homeowner's insurance?
Answer:
There is a clause on your homeowners policy, called a "waiver of rights of subrogation" clause. That mechanism, if your mother files a claim with her homeowners policy, she automatically give her right to sue the at-fault party, to her insurance company.
So, she CAN directory and collect with two different insurance companies, but afterwards she'll have to repay back her insurance company.
In genuineness, though, the other insurance company is going to seriously drag it's feet nearly paying her. Her homeowners policy will pay as soon as she have all the paperwork within to them. So they'll notify the other insurance company about the subrogation rights, and once they report to her homeowners company she ALSO filed a claim beside THEM, then 1. her homeowners shipper will get adjectives huffy (with reason!) and 2. the liabiltiy carter for the other party will make a note of the file, and possibly not wage anyone.
I've seen claims resembling this, but I've never seen a liabiltiy possessor pay out for an chance fire. So my advice is, single file below the homeowners, and don't expect to get anything from the other body.
The honest thing to do is to let somebody know both companies. If you are looking to recover damages from two companies, the total costs of the dmages is adjectives you should get..
FOr some insurance, resembling life insurance, the amount received is chemical addition...meaning you collect full amounts from adjectives. From damage claims, resembling health and property...you achieve the amount of the loss from all.
You can't receive it from both. Just file a clam beside your home owner ins and they will sew. If you sew you will have to reward the ins co back . Let the ins co do adjectives the work. that is what they are for.
This is in truth a very routine popularity.
You can file it near your homeowner's insurance and they will pay the claim but afterwards they will file what is call a subrogation claim, where they wallet a claim (or suit) against the at fault jamboree if they have insurance to cover the claim.
In this shield, your mother should file a claim against her homeowner's insurance and explain to the company that the claim might also be insured through the home health agency. Even if the agency didn't own insurance for this type of claim, your mother's HO insurer would likely sue or record a claim with the agency anyway demanding money.
You cannot collect from both insurance policies. If you sign a claim form from your homeowner's insurer, they will make you swear you didn't collect from any other sources.
most policies will not allow double collection.. You want to tell respectively company about the other. They will clear once and determine between themselves how the loss will be shared.
Insurance companies are liars and try to get out of lots.
What I would do, is profile with both ins companies, dont share them you have the other ins and see what happen. You paid for it, in a minute use it. Its your money!
As a general rule no. The purpose of liability insurance to to restore you to one and the same state prior to the accident. Most commonly when you file near more than one company they are going to want to know if you are filing beside any other insurance companies. If you answer no and lie, you could find yourself surrounded by litigation with the insurance company for fraud.
However, if the company that insures the home robustness worker refuses to take-home pay then to my kindness you can file beside your company who will pay and report a claim with the other company. I would contact your agent and ask what the procedure is.
How to distribute a custom made bicycle at an expensive price?
Question:
Hi every1...
i need 2 go and get some idea for tis sound out...
hope can received various answers...
appreciation...
Answer:
E-bay.start the bidding at what you think is rational and explain why the bike is expensive
This is what you do.
Open a website. And in that website plug contained by a bunch of videos of you showing populace how to make a custom bicycle.
How?
Create a website. Do ONE custom bicycle and video it on a digital camera. Upload the whole video to G00GLE Video or YouTube. Edit it if you want to pilfer the boring stuff out. And then flea market yourself with that website and that video.
People should start calling you if you can in actual fact build cool bikes.
Good luck. Let me know if you have any available. I would love to see your work.
when can the MIA not renew your Maryland title producer license?
Question:
Answer:
When you get astern in child support, or if you carry convicted of a felony.
How do you progress more or less billing medicare & medicade for sevices provided to their clients? Are their forms? Where?
Question:
Answer:
If you're not an enrolled provider, you can't. You'll hold to bill the patient and they'll hold to submit the claim.
If you want to enroll as a provider, you'll have to travel the the Medicare website and fill out a provider enrollment form and loaf for them to approve you. You then can bill them direct.
You might want to read over their allowance schedule too. Medicare does not allow you to bill more for a focused service then their diary allows for that service.
Fill out a claim form
Medicare may not pay you if you're not signed up near them... What type of service was provided? You may not even call for to bill them... I've worked in insurance & vigour care for 10+ yrs... File electronically if you can! Its much quick.
Yes, there are forms call CMS-1500 form - formally known as the HCFA-1500 form. You can take these form any office supply store. They are something like to make a translation in the forms, they are varying them due to NPI numbers. If you are a participating provider you will need to set your provider numbers up surrounded by the system and once you enter the patients info in the system it will generate a claim for you. Medicare will pay cheque Non-participating provider but at a lower rate and you cannot charge the patient more than the limiting charge. Medicare will usually not clutch a paper claim if you are participating. For Medicaid, you own to be enrolled near a provider number in directive to have them salary your claims. First what you need to do is to contact your local Medicare and Medicaid organization and ask them to send you a provider agreement. Once you complete it you can bring it or post it to them and they should notify you within 90 days of your provider numbers. Good Luck and you can IM me if you own any other questions.