Interesting information on Appraisals in New York State According to the Senate Bill 2088-AAs an appraiser, it is very likely that there will be a situation where the insured feels that they need to invoke the appraisal clause to resolve an impasse of their insurance claim settlement amount. However, often, the Insurance Company will deny the insured's attempt to invoke appraisal on the grounds that it is not yet ripe for appraisal,...more
Are party-appointed appraisers expected to advocate the appointing party's interests? Are party appointed appraiser's expected or required to act on the order's of the appointing party? Most Appraisers may assume, and probably practice, that there is a legal duty for the appraiser to advocate, to some degree, the appointing party's interests. Furthermore, we can assume that there are many appraisers who may feel obligated to...more
There once was a time when flipping a house was no big deal. You simply bought the second property, took a few months to redo the cosmetic damage and create the home of someones dreams, put it on the market for way more than you paid for it and more than you paid to fix it up, and then it sold. No muss, no fuss and, for some property flippers, no need for homeowners insurance.But times have changed and real estate in the U.S. is not selling as it once did. While the home buying credits were in full force in early 2010, the real estate market picked up a bit, but now we are back to our normal lows. Not only that, but property values have fallen as well so you can no longer sell properties for as much money as you once could.That means that many flippers have turned into the owners of multiple homes that they are forced to turn into rental properties so that they have some income to cover carrying costs. But now that they will own the secondary properties they purchased for years and years, they definitely need to consider some insurance.It is not up to these new landlords to invest in home insurance that covers contents of the property. That would be the responsibility of their...more
After you put out the money for your iPhone 4g, you want to make sure that it is protected in every way, including getting iPhone 4g insurance for your product. This is a prudent decision to make sure that the money you put out for the device is not wasted should you accidentally damage the iPhone 4g or if it gets stolen. Because...more
You know how much you spent for your iPhone 3g so you want to be sure that this is protected by getting iPhone 3g insurance. You get insurance for other things of value that you have in your home as well as your car so you might as well also protect your investment by getting iPhone insurance as well. If you have insurance for...more
You may be wondering if you need insurance for iPhones. After all, you may be thinking that you are covered when it comes to insurance with your warranty. Think again. If you have an iPhone, such as the iPhone 3g, for example, then you are going to want to make sure that you are completely covered by getting iPhone 3g insurance for your phone. No, you are not covered under warranty in most cases if your phone is lost or stolen or if you damage it accidentally. A warranty is usually issued by a manufacturer to cover defects in the phone in case something goes wrong. This is not insurance but the company standing behind their product. Many people confuse a warranty with insurance for iPhones and think that they are covered. If you are spending the money for an iPhone 3g, then you should spend the money for iPhone 3g insurance. The amount that you pay for a premium is nominal, especially when you consider how much it will cost you to actually have to replace the phone if it is lost. In most cases, even if you have car or homeowners insurance, this item is not covered and your deductible may be so high that it is simply not worth the claim even if you...more
If you are getting I phone insurance, then you want to check out different iPhone insurance plans to make sure that you get one that is suitable for what you want. You should check out all of the plans and make sure that you get the...more
It's not unknown to you that the method to purchase a new home is a challenging task as you have to take into consideration not merely the money you will need to spend but in addition comply with the legal formalities. Yet another thing that you'll...more
When you are looking for insurance for your iPhone, you should look for that which will give you the best coverage such as accidental damage iPhone insurance. You never know when you might do something to damage your iPhone and render...more
If you have an iPhone, then you should look for iPhone insurance coverage that will take care of your iPhone for you in case it is lost or damaged. You can also get iPad insurance as well. These devices are not cheap and it makes...more
Due to the fact that young drivers tend to cause a great deal of problems on the road, they are charged higher rates of insurance. However, this doesn't necessarily mean that you, as a young driver, need to pay such high fares, and there are certain...more
Insurance is a financial protection. Health insurance protects you from the high costs of medical care. It may seem impossible to make health insurance affordable. The rising of premiums, deductibles, and the prices of procedures themselves may seem...more