#Water Damage Insurance Policy

[waterdamagerepairpros]

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[lucyoccupy]

The State Farm Files - Part 1

The State Farm Files – Part 1

#StateFarmFiles – Part 1 Some of the lawyers accuse that I have not produced documents in the proper format, and that for some discovery questions I exceeded the expectations of what to produce, as I believe they are all relevant. They all know I have a brain injury from a workplace injury in 2012, and a subsequent head injury in March 2019, after a volatile discussion with State Farm Adjuster…

[elsewhereuniversity]

I don't know where I picked this planner up, but it's scheduled my next fenderbender for Thursday after next and my roommate's got a sword fight six months from now. It has cat(? probably those are cats) stickers on the front. The name inside is water-damaged and unreadable. You wouldn't happen to know who it belongs to?

I do not, but I'm sure with some time I can find out. In the meantime, let me send you away with something for accidents and duels both: a tube of lipstick in an elegant shade of plum, which smells like honey and grants an air of unshakeable confidence and eloquence. Useful for both arguing over car insurance policies and heckling your roommate's opponent as they square up for the fight.

[soon-palestine]

The Ecologists, La France Insoumise, the French Communist Party, and the Socialist Party unveiled, at a joint press conference, the programme of the left-wing alliance to the legislative elections. He condemned the "terrorist massacre of Hamas".

A programme in "20 measures of rupture", during the "first 15 days", to "reply to the emergency that damage the life and confidence of the French people". Wage indexation on inflation, rise of Smic, repeal of unemployment and pension insurance reforms… At a press conference held on Friday 14 June, the leaders of the left-wing parties behind the "New Popular Front" unveiled their legislature contract.

Decreeing the social emergency

-Block the prices of basic necessities (food, energy, fuels)

-Repealing pension and unemployment insurance reform

-Inflation of wages

-Fixing the SMIC and the minimum pension at EUR 1600 net

-Remove the minimum old-age age at the poverty line (60% of the SMIC)

-Restoring the wealth tax, "reinforced with a climate component"

Declaring an immediate ceasefire in Gaza

-Breaks with the support of the French government to Benjamin Netanyahu, and enforce the order of the International Court of Justice (ICJ), which evokes a risk of genocide

-Action for the release of hostages detained since the Hamas terrorist massacres and for the release of Palestinian political prisoners

-Subsistent International Criminal Court (ICC) in its prosecution of Hamas leaders and the Israeli government

-Immediate recognition of the State of Palestine alongside the State of Israel on the basis of UN resolutions

-Alspering the organisation of free elections in Palestine under international control

Defending Ukraine

Defending the sovereignty of the Ukrainian people and their territory through the delivery of the necessary weapons

Seity of oligarch assets in banks

-Sending of blue helmets, in particular to secure nuclear power plants Addressing the climate challenge

-Adoption of a climate plan for carbon neutrality in 2050, and the principle of the green rule

-Adopting an "energy-climate" law, the beginnings of ecological planning

-Decree a moratorium on motorway infrastructure projects (A69…), and mega-bassines

-Adopting a water-sharing plan at the national level Is it a 6th Republic

-Rebrogate article 49, paragraph 3

-Election of the National Assembly and the Senate by proportional representation

-Introduce the Citizens' Initiative Referendum (RIC)

To convene a constituent assembly to draft a new Constitution Guaranteeing the right to housing

Build 1 million "green" housing units over 5 years

Repeal the Kasbarian Act, and abolish evictions

-Ammguring rent in tense areas

-Maintenate the SRU Act (20 or 25 per minimum of social housing per commune) Reshaping Europe

-Generating super-profit taxation at European level

-Finance of free trade agreements (CETA, Mercosur, etc.)

-Refusing the Fiscal Stability Pact

-Reforming the Common Agricultural Policy (CAP)

[randomrabbidramblings]

Thanks to Bwahstrella's... questionable policies about her clients' privacy here's her quotes:

Not quite spoilers, but if you want to catch them yourself, don't go ahead. No spoilers about the DLC, just lil' trivia about the characters. There's A LOT of them, I don't even think you could get all of them in a couple of playthroughs, I may have missed a bunch, so if you find some I didn't let me know!

"Augie lives in fear his villagers will discover that their emergency food supplies are just bags of nacho cheese sauce."

"Augie was supposed to build a new temple, but he blew the funds on booking DJ Cheep Tuna for his birthday."

"I foresee Augie will be put on a "performance improvement plan" for using the lighthouse to cook a rotisserie chicken."

"Tell Augie our service hotline is not a free consueling service."

"Find out wich intern told Augie he was doomed and fire them. He is calling like a lunatic now."

"I foresee Augie wearing sweatpants to his parents' anniversary after forgetting to try on his suit until the day of."

"Orion's next cargo ship will catch fire after Salesbot's crates of "furniture parts" turn out to be illegal fireworks."

"I foresee Orion being swallowed alive by a Shovel-Nosed Gobblegazer while star fishing. He REALLY needs a new hobby."

"Magnesio and Vanesia sold MANY "prosperity crystals". The catch? They were ICE crystals. Rabbids got water in the mail."

"I sponsored Telesio in a book-a-thon fundraiser. He read every book in the Winter Palace - TWICE! Cost me a fortune."

"Each postcard of Dr. Vent is stranger than the last. That Rabbid is in dire need of a vacation."

"The balls they throw at the Winter palace are like knitting circles compared to the ones they had there back in my days."

"Woodrow is to recieve terrible dating advice until he rescinds the 5% fortune telling tax on Palette Prime!"

"Woodrow's ex-girlfriend couldn't even read a greeting card inscription without breaking into hives, poor thing."

"The Fates are many, and their voices discordant, but on this ONE thing they agree - they HATE Woodrow's poetry."

"When Woodrow needed money he wrote crude limericks under the name "Bell Chur". Oddly they brought only good luck."

"If Woodrow calls, tell him I am in a seance - DO NOT take a message, especially if it rhymes."

"Yes, it is bad if Woodrow's next poem destroys the galaxy, BUT if we don't have to hear it - mixed blessing."

"Lots of Rabbids from Palette Prime are calling for advice. Woodrow must be working on a new poem. SHUDDER."

"Tell the Palette Prime office I'm eagerly awaiting fresh gossip from the Spellbound Woods about Sweetlopek an the Dryad."

"I foresee the Dryad and Sweetlopek making a fortune selling fall-themed "farmhouse chic" pinecone wreaths to tourists."

"A certain Spark Hunter who is as dense as her name implies owes me for damage to my vacation home on Palette Prime."

"I didn't say Salesbot smuggles artificial pumpking spice into Palette Prime, but I also didn't NOT say it."

"The "authenthic" Paletteville Plaza Farmer's Market scented candles I bought from Salesbot smell like rotting garbage."

"The premium for poetry-related accident insurance on Palette Prime is six times that of our other locations!"

"A golden acorn of opportunity will fall in your lap while you are asleep. It will be eaten by a vole."

"Bea reports that "Madame Bwahstrella Doom n' Bloom Boquets" are a very popular item between mortal enemies."

"Bea's music made a small comeback after DJ Cheep Tuna sampled it for Darkmess Cheese Barber Wrap Tunnel Disco party."

"Tell my publicist to invite Galaxy Confidential to my Doomy Awards dinner party, then seat the Phantom near Bea."

"You didn't need to be psychic to predict the Phantom dumping Bea for one of her backup dancers, but would she listen?"

"Tell Alkementor I need a case of red banana-kumquat-star apple mineral fusion water for my Doomy Awards afterparty."

"I see Sullivan going dateless at the Engineer's Ball if he does not stop blowing me off for his stupid train."

"If Sullivan calls, tell him I'm having lunch with a handsome salesman who prefers electric trains over steam engines."

"Sullivan sent roses to apologize for calling me "vile rabble" after I said his steam train was a "ridiculous fossil"."

"Everywhere I go at the Everbloom I am asked. "Do you foresee more overtime in my future?" Hard to relax."

"I foresee Momma being thougher than leather and harder than steel, with an itch for action and living like there no tomorrow!"

"I wouldn't want to be a certain Spark Hunter when Momma catches up to them with an itch that only revenge can scratch!"

"Tell our Barrendale Mesa location they are absolutely NOT to close during "Big Momma's Bike Rally and Chili Cookoff."

"I foresee Gerspard moving into his Neo-Figurative Hyper-Expressionist Retro-Futuristic Tabloid phase to rave reviews."

"Rabbid Peach wants HOW MUCH for a sponsored post?!"

"Someone tell Rabbid Mario we do not use male models for our gift catalogues before he sends us any more beefcake shots."

"Prof. Backpack's lecture series is postponed until he can find a commercial spaceflight with room for his backpack."

"Can someone remind Salesbot he does not work here? He keeps popping in to help himself to our breakroom snacks."

"My competitor, Madame Bwahstrodamus, could not predict yesterday's weather if she had a newspaper."

"Find out how many lanes the bowling alley in Madame Bwahstrodamus' mansion has so I can build mine with twice as many."

"Sigh... Have my body double do the autograph signing. I need a vacation..."

"I see a new personal assistant in my future if my chicken cheesesteak is cold like last time."

"Curses, hexes, evil eyes... Fortune-telling USED to be fun. Now the Fates most rely on algorithms and statistics."

"I'm Doomed, My Partner's Not - my self-help guide for couples, it's due out this spring."

"Life is short - doom well, doom often, doom much."

[rainbow-nerdss]

Water Damage

Written for @augustwritingchallenge day 8: Robots & Androids Buck/Eddie (9-1-1), 1k AO3 link

Eddie hates it here. 

It’s his own fucking house, but he hates it.

Ever since that… thing crossed the threshold, thanks to Christopher casually mentioning it in front of Eddie’s folks a year ago, and them deciding it was the perfect thing to surprise him with for Christmas. 

A robot.

A fucking robot. In Eddie’s home.

He hates it here.

He’s lasted a solid five years since the first iteration of these so called “Household Assistants” became mainstream, even though everyone he knew sang their praises, even though Chris had begged for one so he didn’t have to do chores. 

“We’ve gotten along just fine without one all my life, Chris, we don’t need one.”

“But everyone’s got one!” 

It hadn’t worked, even when Chris was seven years old with carefully honed puppy dog eyes, Eddie had resisted. So, naturally, his kid got clever and went over his head.

Eddie hates the fucking thing. It does the work just fine, cleans the dishes before Eddie has a chance to, makes the bed with crisper lines than he’d seen even in the army, it even cooks, though it only has a couple of pre-programmed recipes. 

So, maybe Eddie has taken to sabotaging it, just a little. 

Nothing awful, but he’s “accidentally” left magnets in his bed more than once now, and he’s become much clumsier than normal, his morning coffee spilling just as the robot happens to be passing by.

He just wants it gone. Every time he sees it out of the corner of his eye, the unnatural movements, the subservience, it makes his skin crawl. 

Eddie wants to look after himself. He likes looking after himself.

So, he sabotages the robot. 

Unfortunately, his parents had sprung for a pretty fancy insurance policy, on top of a tight warrantee, which means that every time the robot experiences a malfunction, no matter how small or obviously deliberate, it automatically pings the manufacturer, and they send out a repairman.

The repairman is Eddie’s second problem.

He obviously knows what Eddie is doing, but he refuses to just let the damn thing die. 

The first time he showed up, he stuck his hand out to shake Eddie’s, grinned and introduced himself as Buck, then immediately turned his attention to the robot. “Seems this poor little guy had a run in with some water damage! Let's get you fixed up, huh?”

The next time, it was “A magnet? Damn, buddy, you’ve got the worst luck!”

After that, he’d started shooting Eddie knowing looks. “How did you get spaghetti in there? You’re the most accident prone unit I’ve ever serviced!”

It doesn’t help that Chris has taken a liking to him, actually looking forward to his visit whenever Alfred breaks down — because of course he’s named the damn thing after Batman’s butler.

Chris sits himself at the kitchen table every time Repairman Buck, Eddie’s sworn enemy with unfairly nice arms, is over, and he regales him with stories about school and his friends, all while Buck undoes whatever sabotage Eddie hopes might be the final straw.

“You know, you don’t have to do this, man,” Buck says to him one day, after cleaning dish soap out of Alfred’s control panel.

“Do what?” Eddie answers, trying to look innocent. He does feel a little bad, dragging Buck out here every time. Alfred doesn’t even bother him all that much anymore, since Eddie has started cleaning as he goes, leaving very little for the machine to sweep out from under him. It’s mostly a habit by now, and he can’t say he hates how much Chris seems to enjoy Buck’s visits.

“Cut the poor machine a break, okay? If you wanna see me so much, just ask me out for coffee instead of pouring it on Alfred.”

Eddie turns red. “I don’t— That’s not why I—” 

Buck just grins, folding his arms across his (large, bulging) chest, like he’s just waiting for whatever excuse Eddie will come up with.

Eddie sighs. “Look, it’s— I never wanted Alfred. He entered this house against my will, and I really wish you were worse at your job so I could’ve done away with him a month in.”

Buck’s face fell. “Oh, I— I’m sorry, man, I thought…”

Buck thinks Eddie has been doing all of this for him. He thinks Eddie likes him. And Buck seems… disappointed, to hear that’s not true.

“I should um… I should go. I’ll send the apprentice next time, he’s terrible with water damage.”

Buck starts to leave, and Eddie is frozen, not knowing what to do.

He hears a sizzle behind him, and turns to see Christopher with an empty, upturned glass in his hand. 

Alfred is smoking.

“Buck, wait!” Eddie shouts, running to the front door. 

There’s Buck, just sitting on the top step. He turns, and Eddie drops to sit next to him. 

“You know, it’s the wildest thing — he’s already broken again. Maybe you should come back in and take a look?”

Buck frowns. “It’s—”

“And then maybe… Once Alfred’s up and running, we could get him to set an extra spot at the table for dinner? If you—”

Buck nods. “Yeah. Yeah, okay.” He stands and they go back inside. 

“Actually,” Buck says, halfway through yet another service. “I should admit something, before I’m done here.”

“Yeah?” Eddie asks, from where he’s sitting next to Chris, watching Buck work.

“I think these things are absolutely terrible cooks,” Buck says with a grimace.

“Not as bad as dad!” Chris insists. 

Buck laughs. “How about I get him fixed up, then I’ll cook for you.”

“You want to cook for us? After spending so much time working?”

“I like cooking. Besides, you guys are definitely my favourite clients.”

Eddie meets Buck’s eyes, sees the slight hesitation in his expression. He’d been nervous to ask this, Eddie realises. 

“Whatever you want, Buck.”

And he means it. He isn’t even annoyed when Alfred makes his stupid fucking whirring startup sound, because Buck jumps to his feet and asks if he can look around the kitchen. 

“Admit it, dad,” Chris whispers. “You’re kind of glad we got Alfred, aren’t you?”

Eddie messes up his kid’s hair and scoffs, but he can’t deny it.

The annoying robot servant is worth it, for bringing him Buck.

[riverkvgd581]

No Time? No Money? No Problem! How You Can Get Flood Cleaning Services With A Zero-dollar Budget

Steps to Take For Hurricane Preparation in Wilmington NC-Hurricane Preparation for Wilmington, NC: Steps to Minimize Damage and Ensure Safety. Wilmington, located on the coast of North Carolina's southeast, is no stranger to hurricanes. These powerful storms bring strong winds, heavy rain, and potential destruction. As a resident or business owner in this historic port city, it's crucial to take proactive measures when hurricane season approaches. The following essay will outline the steps you need to take in order to minimize damage and ensure safety before a hurricane hits.

10 Best Facebook Pages Of All Time About Damage Restoration Service

Firstly, understanding the risks associated with hurricanes is vital. In Wilmington, storm surges and flooding are common threats due to its coastal location. It is important to know whether your home is located in an evacuation area and where higher ground may be found.

Second step: Create an emergency plan. This plan should include various scenarios, such as evacuation routes and meeting places for family members if you become separated. Make sure that all family members understand the plan and what they should do during a storm.

How To Explain Sewage Cleanup Near Me To Your Boss

Thirdly, an emergency kit can be crucial for survival in the aftermath of a storm when resources are not readily available. Your kit should contain non-perishable foods, water (at minimum one gallon of water per person per day), medications with extra batteries, personal hygiene products, first aid supplies, copies important documents in waterproof containers and cash, since water damage company wilmington nc ATMs might not work during power failures.

Next on the list is securing your property. This includes trimming trees that may fall on your home or power lines, installing storm shutters or board up windows, securing loose objects outside such as patio furniture that could become projectiles, reinforcing garage door and ensuring proper drainage to reduce flood risks.

The 3 Greatest Moments In Water Damage Companies Near Me History

Insurance checks are equally important. You can avoid financial ruin by reviewing your homeowner's policy to ensure that you have adequate coverage for wind and flood damage.

Communication plans are also necessary, as normal means of communication may not work during severe weather conditions. Install emergency alert apps on your smartphones or radios powered by batteries so you can keep track of the storm's progress.

If authorities order an evacuation of Wilmington or the surrounding area due to a hurricane, don't hesitate to leave immediately. Follow the planned route and avoid flooded roads at any cost! Remember that you can replace your belongings but not your life.

14 Savvy Ways To Spend Leftover Water Damage Help Budget

For those who decide or need to shelter in place because they are not in immediate danger areas - prepare your home by filling bathtubs with fresh water for flushing toilets if necessary; turning refrigerators/freezers settings down to their coldest setting prior so food lasts longer during potential power outages; unplugging electrical equipment susceptible surge damages; securing exterior doors using deadbolt locks or wooden dowels sliding tracks sliding glass doors etc. ; moving valuables upper floors case flooding becomes an issue within home itself among other precautions specific each individual situation/location within Wilmington area affected by Hurricane warnings/advisories issued local state federal authorities accordingly time manner given circumstances hand respectively overall general welfare everyone involved therein thereafter henceforth forthwith hereupon thereupon thusly hereby herewith thereby wherefore whereas ergo therefore consequently pursuant thereto whence wherewithal hitherto hereafter hereinafter aforementioned premises considered...

After the storm, recovery efforts begin. Check with neighbors to see if they need help cleaning up debris or salvaging what is left. Contact insurance companies and start the claims process. The community as a whole draws closer together. Every dark cloud has a silver lining. Indeed, perseverance and resilience are hallmarks of human spirit.

In conclusion preparing hurricanes well advance goes long way towards keeping oneself loved ones property secure face natural disasters like those frequently experienced along Atlantic seaboard specifically beautiful yet occasionally beleaguered region surrounding historical cultural gem otherwise known Queen City sea herself Wilmington NC Godspeed good luck god bless!

[the-empress-7]

I live in a coastal town on the east coast. We have to have regular Home Owner's Insurance and Wind and Hail insurance. The Wind and Hall Insurance covers damage in the event of a named Tropical Storm or Hurricane. Property in this area that is at certain $ of risk for flooding due to a storm are required to have Flood Insurance. Wind and Hail only covers water damage from rain coming in through a damaged roof or window. Flood Insurance is to cover water from ground level. Our neighborhod is a not at risk for flooding unless a strong Cat 4 hurricane hits our area but we have Flood Insurance to protect our assets as it is relatively inexpensive. All of our policies cover personal property and we can elect a higher coverage amount if we our personal property is above average value.

I would imagine California mortgage companies require additional insurance if a property was at a certain % of risk for being heavily damaged by Earthquake, Fire or Mudslide.

Yes @gimletagain has written extensively on this topic, their house is borderline uninsurable given the numerous risks in that area and the premiums are sky high as a result.

[plethoraworldatlas]

Having grown up on a farm in Uganda, I have seen the damage of the climate crisis firsthand. My family lived in a small village near the banks of Lake Victoria, the second largest freshwater lake in the world, and my childhood was spent climbing trees, planting seeds, and eating fruit straight from the trees. We grew bananas, guavas, beans, cassava, sugarcane, and coffee. It sounds idyllic but I remember the first time I realised climate change would affect us—it was a rainy season unlike any we had seen before. For days and nights heavy rain battered the fields and strong winds bent and broke the crops until they were unsavable. Not only did the rains affect us financially, but I missed months of my schooling because flooding blocked the roads and I couldn’t get to school.

Burning fossil fuels, which releases carbon pollution into the air and causes our world to overheat, is the number one cause of the climate chaos we’re facing. 2024 may be even hotter than 2023, resulting in even more catastrophic weather.

But there is still hope. Those with power must act now, and the insurance industry holds more power than most to slow the crisis and protect our future. Without insurance, fossil fuel projects can’t operate. If insurance companies updated their policies and refused to insure new fossil fuel projects, there would be no new oil pipelines, liquefied natural gas terminals, or dirty coal mines. If they focused instead on insuring clean, safe energy and a just transition, our communities and our world would be safer for current and future generations.

The insurance industry’s role is to protect and manage risk, but right now it is failing spectacularly at both. Instead of protecting communities, it’s adding fuel to the fire by continuing to insure new fossil fuel projects. The East African Crude Oil Pipeline (EACOP) is a prime example. This proposed pipeline would run 1,443 kilometers between Hoima in Uganda and Tanga in Tanzania, but the project has stalled as it has not yet secured full insurance and financing due to the many human and environmental rights abuses associated with it. These include the harassment and imprisonment of peaceful protesters, the disturbing of sacred burial grounds, and the forcible removal of communities to make way for the pipeline. If EACOP gets insured and goes ahead, it will cross 200 rivers and pass through Lake Victoria’s water basin. Over 40 million people depend on the lake for survival, as well as countless animal species; if the pipe leaks and spills oil into the water, what will happen to them?

The corporations behind EACOP say it will “unlock East Africa’s potential,” but let’s be clear: It is neocolonialism at its best, and the only ones who will gain are the foreign companies set to profit. EACOP will irrevocably damage East Africa’s biodiversity, displace thousands of people, destroy their livelihoods and communities, and unleash 32.3 million metric tons of carbon into the atmosphere per year, setting off a climate bomb that will make our world overheat to devastating levels. The International Energy Agency has stated that there can be no new oil pipelines if we are to save the future, and yet insurance companies including AIG, Tokio Marine, Chubb, Hiscox, and Lloyd’s of London still refuse to rule out insuring EACOP.

[werechicken]

The point of home insurance is to cover for a disaster. The only way one can avoid that is to just not be in the disaster area. I guess people just won’t live near the water, near active flood basins, near the randomly determined path of a hurricane or tornado anymore.

May as well live in cities really? Best way to go.

[advantageautoglasstoronto]

Auto Glass Repair Tips for Hail Storm Damaged Windshields

Hail storms can wreak havoc on vehicles, especially windshields, leaving behind a trail of cracks, chips, and shattered glass. Dealing with hail storm damage can be overwhelming, but prompt action and proper auto glass repair techniques can help restore your windshield's integrity. In this blog, we will provide essential tips for repairing hail storm damaged windshields, helping you navigate the process and ensure your vehicle's safety.

1. Assess the Damage: Before proceeding with any repairs, carefully assess the extent of the damage to your windshield. Small chips or cracks may be repairable, while larger or more severe damage may require windshield replacement. Contact a professional auto glass repair technician to evaluate the damage and recommend the appropriate course of action.

2. Protect Your Vehicle: If you are unable to repair the windshield immediately, take steps to protect your vehicle from further damage. Cover your car with a tarp or park it in a covered area to prevent additional exposure to the elements. This will help prevent water seepage, which can worsen the existing damage and lead to further complications.

3. Temporarily Prevent Further Damage: To prevent chips and cracks from spreading before you can repair them, apply clear nail polish or a temporary windshield repair kit. These products act as a temporary sealant, preventing moisture and debris from penetrating the damaged area. While this is not a permanent solution, it can help stabilize the damage until you can get professional repairs.

4. Avoid DIY Repairs: Although there are DIY repair kits available on the market, it is generally recommended to leave windshield repairs to the professionals. Windshield repair requires specialized tools, materials, and expertise to ensure a proper and safe repair. Attempting to repair the windshield yourself may lead to ineffective repairs, further damage, or compromised structural integrity.

5. Seek Professional Auto Glass Repair: Consult a reputable auto glass repair company that specializes in hail storm damage repairs. These professionals have the experience, knowledge, and equipment to assess and repair the damage accurately. They may employ techniques such as resin injection or windshield replacement, depending on the severity and location of the damage.

6. Insurance Coverage: Check your insurance policy to determine if hail storm damage repairs are covered. Many comprehensive auto insurance policies include coverage for windshield repairs or replacements. Contact your insurance provider to understand the claims process and any specific requirements for filing a hail storm damage claim.

7. Timely Repairs: Address hail storm damage to your windshield as soon as possible. Even minor chips and cracks can worsen over time due to temperature fluctuations, road vibrations, and stress on the glass. Prompt repairs can prevent further damage and potentially save you from needing a full windshield replacement.

Dealing with hail storm damaged windshields requires swift action and professional expertise. Assess the damage, protect your vehicle, and seek the assistance of a reputable auto glass repair company. Avoid DIY repairs and consult your insurance provider to understand coverage options. By taking these steps, you can effectively address hail storm damage and restore the integrity of your windshield, ensuring the safety of you and your vehicle on the road. Remember, timely repairs are key to preventing further damage and maintaining the longevity of your windshield.

Advantage Auto Glass Toronto provides excellent windshield repair service in Toronto. 

To get our services, visit https://www.advantageautoglassrepair.com/

[bripops]

Right now, the northeast is at really high risk for flooding so here's a friendly reminder from someone who learned the hard way:

CHECK YOUR RENTER’S INSURANCE FOR WATER DAMAGE COVERAGE

You will be shocked by how little a standard policy covers when it comes to water and/or flood damage.

Flood insurance almost always requires a completely separate policy managed by the National Flood Insurance Program (NFIP) under the scope of FEMA. You can get it as a renter, but it usually involves calling a local agent because it’s highly regional and takes a lot of different variables into account. NEVER assume the person you’re renting from has adequate coverage. Even if they have homeowner’s insurance, it probably doesn’t extend to renters’ belongings.

While you’re at it, MAKE SURE YOUR POLICY COVERS WATER BACKUP. This is different from flood insurance. A lot of basic policies only cover water damage from appliance malfunctions, like a washing machine overflowing. Coverage for water backing up out of a drain or sewer often costs extra (in my experience not more than a few extra bucks per month) and has to be opted into, it’s not included.

Doing this will save you.

Last December, after three days of nonstop pouring rain, the drainage system outside an entrance to the house we were renting just couldn’t handle the volume anymore and water started pouring in under the door. We used everything we had to try to slow it down, and we were up all night using a wet vac we borrowed from a neighbor to try to contain hundreds of gallons of rainwater. I will never forget the mounting horror as I realized the water wasn’t going to stop until the rain did. It's not like a plumbing issue or dishwasher malfunction where you can cut off the source.

We were lucky, and the rain tapered off by the next morning. The layout of our living room meant that most of our stuff was away from the door, and we were able to bail water fast enough that very little ended up being a total loss and nothing important was damaged. We did, however, need to take our dog and get a hotel for a week, and ended up having to find a new place to live in five days (the week before Christmas, while recovering from COVID) because the damage needed so much renovation that moving was pretty much the only option.

Our renter’s insurance covered nothing. Even without a NFIP policy, I was able to confirm with the insurance company that our claim would have been approved if we’d opted into the water backup coverage, because the rainwater was coming out of the overwhelmed drain. We could have replaced the stuff we lost, and probably a bunch of stuff we had to work really hard to salvage. That particular policy would have covered some of the moving costs too, and they would have paid for temporary accommodations for us. (once again we were extremely lucky, and the hotel costs got reimbursed as a courtesy because they took longer to make a decision than they were supposed to)

Renter’s insurance is not expensive. The tricked out policy I got for our new place with every add-on they offer runs me less than $30/month. It would have covered thousands of dollars of expenses that we’re still trying to crawl out from under more than six months later. In an ideal world you will never need to use it, but if you do, IT. WILL. SAVE. YOU.

I am by no means an expert, and can really only speak from my experience so if someone who knows more about this wants to chime in, please do! Keep in mind that all of this is going to vary significantly depending on which insurance company you use and your specific policy. Just please, for the love of god, get renter's insurance if you don't have it already, and read every page of the policy so you know what's covered and what you might need to opt into. Do it now, because shit like this

isn't going to wait.

[musicinstrumentsins]

Importance of Routine Care and Bassoon Insurance for Your Music Gear

With chunks of springs, keys, pads, screws, and other parts, the bassoon is undoubtedly a complex musical instrument. Therefore, regular maintenance is essential to ensure its health, good sound quality, and seamless playing experience. However, how many of you pay attention to the care and maintenance part of this woodwind?

Many bassoon players use their gear all day long and quickly put it away without much thinking. Furthermore, many bassoonists do not even consider buying a standalone Bassoon Insurance because they have home insurance. Do you belong to the same bandwagon? If yes, then it is time to give it a second thought. Here are some crucial care tips for your bassoon. Hopefully, these will help you go a long way and upkeep the health of your musical instrument. Read on!

Routine maintenance of your bassoon

Appropriate instrument-related habits are imperative. These help you avoid severe damage to your gears and related repairs later on. Most importantly, you should make it a point to include these tips in your routine, and your beloved woodwind instrument will love you for that and continue giving its best.

Keep your bassoon dry and clean

Although the reed of your bassoon is technically not a part of the equipment, taking care of this unit is still crucial. Make sure to blow air through the turban (the reed's butt end) and blades to eject water. You may also wipe your tool using a soft and clean cloth to expel the extra water (if needed). In addition, keep your reed in a sturdy and well-aerated case.

Dry out the bocal and keep it securely

When it comes to the bocal, ensure blowing via the cord end to push the moisture away. When doing this step, handle the gear carefully. Make sure not to ding the tip. Also, keep the bocal in a case.

Choose the correct cleaning swab

One of the best things to clean your bassoon is a silk swab. It helps clean both joints. Plus, unlike heavy swabs, it does not get stuck and is easy to wash. Swabs that come with a chain are considered better than ones with a weight. If you find it difficult to choose right away, do not hesitate to seek professional help.

Clean the boot joint

Start cleaning your gear from the boot joint. Put the extra water out from the smaller end of the bassoon. Put a bassoon swab in the bigger hole, turn the boot over to access the chain from the bend (U), and pull it out of the smaller hole. Make sure to move from the large to the small side. Always remember. The boot joint is always almost vulnerable to sticky pads and water damage. So, follow this step properly.

Swab the wing joints

Once done cleaning the boot joint, put the silk swab in the wing joints - the larger end to the smaller end.

Clean the keys before storage

Before you store your bassoon in the case, do not forget to wipe the wood and the keys using a microfiber cloth.

Bassoon Insurance: A Savior Indeed

Now that you have got a fair idea about the routine maintenance of your woodwind, let's talk about the pros of buying a dedicated Bassoon Insurance policy over your home insurance.

Firstly, unlike your home insurance, a specialist insurance policy for your bassoon offers all-risk cover, including accidental damage, fire, flood, earthquake, theft, and vandalism, to mention a few.

Secondly, a standalone insurance plan provides worldwide protection, a necessity for a professional bassoonist.

Most importantly, it covers you against public liabilities. Remember, your home insurance will not extend any such protection.

So, before a tragedy hit hampering musical instruments, your finances, and your career, find a reliable insurance provider and get your policy now. It is always wiser to stay protected beforehand than repent later on. A dedicated insurance plan will always be with you ensuring peace of mind.

[heritage-instrument-insurance]

A Dedicated Fiddle Insurance is Equal to Financial Stability and Peace of Mind

Do you own a fiddle, planning to buy one for the first time, or learning to play it? You know how expensive and delicate these string instruments are. Right? Therefore, it is critical to understand daily musical instrument care techniques. It will help you upkeep the sound quality and beauty of string in the best way possible.

Yes, you are a beginner and may not have an idea about string maintenance tips and methods. Don't worry. This blog will help you learn some easy yet useful fiddle care tips and the importance of buying a Fiddle Insurance plan. So, what are you waiting for? Read on!

Proper storing is crucial

Let's begin with storing your fiddle. Get your musical gear a proper storage case. It would be better if the box is made from a strong material. String instruments are often vulnerable to changes in humidity and temperature.

So, if you keep it in a room or environment with a high level of humidity, it may lead to the expansion of the bottom and top plates, damaging the sound post. Ensure keeping your fiddle in a place with stable environmental conditions - temperature and humidity. Also, choose a place that is neither too cold nor too hot to maintain your string's health and performing capacity.

Do not overlook the rosin and shoulder rest

Using the right shoulder rest is important. It helps prevent damage to your gear. Always choose a material that offers durability to ensure your equipment is held correctly and supports your playing style. You can choose from flat or padded support according to your convenience.

A shoulder rest that's too high may lead to a buzzing sound when playing the fiddle. Most importantly, it may cause severe damage to your device over time if you do not address it promptly.

Another important element related to playing your string is the rosin. You need to reapply it time and again. How much rosin your fiddle needs depends on the humidity around. So, ensure to keep it in mind.

Keep your string gear clean

Use a soft and dry cloth to clean your fiddle. Refrain from using too many chemical-based cleaning products. It can harm the delicate varnish on your string. Did you know varnish is not just a coating? It significantly affects the sound quality of your string instruments. Therefore, it is crucial to keep your tool clean while checking for dust, extra rosin, and fingerprints after every use.

As far as cleaning the strings of your fiddle is concerned, use a separate cloth to clean it. Do not use water to clean your instruments. It can be detrimental.

Check for alignment

It is crucial to inspect the bridge often and ensure it is in the correct position. It helps keep the alignment and stability of string-based musical instruments.

Always remember! The way you set up your fiddle decides how good it will sound. Make sure that the alignment of the strings, bridge, and sound post is in place. Or else the sound quality will fall out of place. If you are using a fiddle for the first time, you can always seek professional help.

Buy a specialist musical instrument insurance policy

Regular service and maintenance are utterly critical for protecting your musical instrument. There is no doubt about it. However, having a comprehensive Fiddle Insurance policy ensures complete financial protection and peace of mind. It safeguards your musical instruments and the entire paraphernalia from all possible risks. These include - theft, fire, flood, accidental damage, worker compensation, third-party liability insurance, worldwide coverage, and a lot more.

Most importantly, it is imperative to choose a dedicated and experienced musical instrument insurance service provider when buying an insurance product for musical equipment. The reason is - they are experts in dealing with musical instruments. Also, they understand that your gear is not just a device but an extension of your soul and passion.

[michaelleafer]

Don’t Get Caught Off Guard...

Surprising Expenses of Converting Your Primary Residence into a Rental Property: A Comprehensive Guide

Converting your primary residence into a rental property can be a smart financial move, but you must be aware of the expenses you may incur along the way. If you're renting out your former home for the first time, there are a few costs you should be prepared for that you may have yet to consider. Here are some cost to expect when you turn your primary residence into a rental property:

Increased home insurance: When you turn your primary residence into a rental property, your home insurance needs may change. Many home insurance policies exclude coverage for damage caused by tenants, so you may need to purchase additional insurance to protect your property. You should also expect your premiums to increase, as rental properties are generally considered a higher risk.

Loss of homestead exemption: If you're moving out of your current home and renting it out, you may lose your homestead exemption, which is a property tax reduction for owner-occupied dwellings. This means your property taxes may increase, which is an added expense.

Maintenance costs: As a landlord, you're responsible for maintaining the rental property and making necessary repairs. This can include fixing leaky faucets to replacing a broken water heater. You should set aside a budget for these expenses and be prepared for the unexpected.

Advertising and marketing costs: To attract tenants, you'll need to advertise your rental property. This can include creating listings on rental websites, placing ads in local publications, and potentially hiring a property management company. These costs can add up, so be prepared to budget for them.

Legal fees: If you're new to the world of rental properties, you may need to hire an attorney to help you become a landlord. This can include drafting a lease agreement and advising you on your rights and responsibilities as a landlord.

Management fees: If you don't feel comfortable managing the rental property yourself, you may hire a property management company. These companies can handle tasks such as advertising, screening tenants, and handling maintenance and repair issues. While they can be valuable resources, they come with a cost.

Conclusion

While renting out your former primary residence can be a lucrative investment, it's essential to be aware of the additional expenses that come with it. By preparing for these costs and budgeting accordingly, you can ensure that your rental property is booming.

If you're considering converting your primary residence into a rental property, take the time to research the expenses you can expect. This will help you make an informed decision about whether or not this is a suitable investment. Feel free to seek advice from professionals, such as an attorney or property management company, to ensure that you're prepared for the journey ahead.

[burnwater13]

Grogu just couldn’t believe that Moff Gideon called him ‘it’. ‘It’! The nerve! Grogu was not an ‘it’. He was a person. No person was an ‘it’. 

Grogu understood why the Mandalorian wasn’t cussing him out over it. He had bigger problems. He was the one who had to figure out a way to keep Grogu from the nasty ex-Imperial War Lord. But Grogu was free to grumble, curse, and utter the occasional ‘Dank Farrik’ as he saw fit. He was glad about that.

Grogu was tired of having any meaning to Moff Gideon that wasn’t related to the expected state of being ‘the one who got away’. Like a fish that had taken the bait once but got away from the hook and wasn’t going to be fooled again. That happened all the time, according to Diggle and Daggle. 

Grogu smiled to himself as he thought about the two fish that fish. They were fun and educational and talked about important things: like bait, lures, line strength, and reeling speed. They knew everything any one every needed to know about fishing and they shared it with all the folks that watched their vid show. 

He loved watching their show. It always started out with the two on them on a small boat in the middle of a river, lake, stream, sea, or even the ocean that one time. They told you important stuff about the planet they were on, the fish or other critters they were after (not everything in the sea was a fish, but they could teach you how to catch almost anything), what kind of bait and lures to use, what time of day was best, and if you needed a special license or an insurance policy (some critters were huge and did a lot of damage when caught). They were very complete that way. 

Grogu also liked how the two of them always had a story about ‘the one that got away’. Always. Sometimes the line snapped or the hook didn’t set right or they just liked the critter too much to haul it into the boat. Sometimes neither one of them liked eating that sort of fish, or the fish or critter was endangered and they just wanted to show you a specimen. As Daggle said they’d be out of a job if there were no fish to fish. He was right of course. 

Diggle told jokes while the waited for a strike or had to grab a net to land the critter. Grogu’s favorite was why did the fish swim across the ocean? To get to the other side! The Mandalorian hadn’t found it funny but Grogu had fallen out of the floaty chair he was laughing so hard. Din had picked him up and put him right back in his chair and Grogu had continued to laugh. That’s how good the jokes were. 

One time, Grogu had woken up from a nap when they were on Tatooine and Din, Peli, and the pit droids were watching an episode. Peli was at the edge of her seat and the pit droids were shaking and chattering. They were making a commotion and Din ordered them to be quite. They dropped down into their ‘heads’ they were so afraid. 

Apparently the episode was all about the ancient critters that had once lived on the vast oceans of Tatooine. Ancient must of meant millions of years ago because Tatooine barely had water in its atmosphere anymore! According to that episode, critters large enough to make Krayt Dragons and Rancors seem small swam around that ocean, terrorizing any other critter that came their way. 

The story telling was so riveting that Peli had threatened to use the pit droids as bait if they didn’t quiet down. Din had apparently mimicked casting a line after she said that. Grogu didn’t blame them for being frightened. A critter as big or bigger than a Krayt dragon was a very big critter. Something like that wouldn’t even notice a pit droid bent into the shape of a hook, even if you had a bantha dangling off them. Of course he had no idea how you would hook a bantha on a pit droid without a lot of practice. The mind boggled at that as well. 

So when Grogu thought about Moff Gideon and his obnoxious pronouncement, he had to wonder if the Moff was one of those folks who went fishing but yelled a lot, sped around in the boat, didn’t care what bait he used and cursed at everyone else who got lucky enough to catch anything other than a cold in those conditions. It was the right level of arrogance and bullying. 

Diggle and Daggle said that people like that could only fish with a explosive charge and you didn’t want to be anywhere near them when they did that. Grogu had to agree. Moff Gideon though everyone owed him what he wanted and he’d just take it whenever he wanted it. Well, Grogu still wasn’t an ‘it’ and he was going to make sure that the Moff was the one who caught the charge and not the fish. He was pretty sure he could do that with the Force, like throwing the silver ball back to Din. Easy peasy.