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5 Benefits Of Hiring An Insurance Specialist at The Time Of Home Renovation
Hey! Don't you think that home renovations can be an exciting yet challenging task? Of course, whether you are updating your kitchen, adding an extra room, or giving your entire home a makeover, it is a substantial investment of both time and money. While the focus is often on design, material, and labor, there is an aspect that homeowners frequently overlook, insurance. Hiring an insurance specialist during your home renovation can bring many advantages that go beyond just peace of mind.
Hiring A Professional Insurance Specialist At The Time Of Home Renovation: 5 Benefits You Receive From It
Listed below are all five benefits that you will receive from the specialists who are experts in claiming insurance policies.
Protect Your Investment
The protection of your investment is one of the main advantages of working with an insurance specialist when renovating your house. The majority of standard homeowners' insurance policies do not cover structural alterations or renovations to your home. If something goes wrong during the renovation, you might be in danger of suffering a sizable financial loss if you do not have the right coverage. To safeguard your investment from potential risks, an insurance specialist can assist you in obtaining the appropriate policy or rider.
Mitigate Liability
An army of contractors and subcontractors is frequently involved in renovations. There is a higher chance of mishaps or property damage when you have more workers on your property. If there are any unforeseen accidents during the renovation, an insurance specialist can assist you in determining the liability insurance you need to protect yourself. This action can help you avoid lawsuits and costs in the unfortunate event that something bad happens.
Evaluating Existing Policies
It is crucial to have a thorough understanding of your current insurance policies before beginning any renovations. It might be necessary to modify your homeowner's insurance policy to reflect the increased value of your home as a result of the renovations. To guarantee that your coverage is current, an insurance specialist can evaluate your existing policies and make any necessary recommendations for modifications.
Cost Efficiency
During a renovation, you might be tempted to skimp on insurance, but in the long run, working with an insurance specialist can save you money. These professionals will make sure you get the coverage you require at the most affordable prices because they have the expertise and experience to locate the best offers and discounts. They can also assist you in avoiding costly errors and coverage gaps that could result in financial difficulties.
Peace Of Mind
Last, but certainly not least, the advantage of working with insurance specialists is peace of mind. Knowing that your investment is safeguarded, that you have the appropriate liability coverage, and that you will not be bankrupted by unanticipated circumstances can all help to significantly reduce stress and free up your time so you can enjoy the excitement of renovating.
So here are all the five benefits that you will receive from an insurance specialist at the time of your home renovation. If you find this blog useful, then do visit our official website and explore more services from our home remodeling contractors companies.
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Are you looking for the Insurance specialist? Then contact MOD right away! We will help you to easily settle your insurance claims.
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Insurance Specialist in Woods Cross USA
Job Description: We are seeking to hire highly qualified, dynamic, and motivated professionals for vacant positions. Males and Females applicants who are well-qualified and competent can apply for these career opportunities in an inspiring work environment. Selected individuals will be offered handsome salary packages. The minimum qualifications and experience required are given…
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Feeling the disabled despair mixed with some kind of rage today. I've been sick for a month, and I don't fucking want to go to the ER just for them to reinflate me and send me on my way, with zero ideas of what exactly is wrong with me AGAIN.
#original post#disabled yelling#i can't afford to do a special fucking diet to figure it out#i can't afford specialists and referrals and insurance and medication#i can't fucking WORK because I'm SICK and I can't get BETTER bc I can't WORK to AFFORD it#I'M SO FUCKING TIRED AND ANGRY AND SAD AND ANGRY ANGRY ANGRY#RAGE FUCKING RAGE
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Without going into detail I had a medical emergency earlier this week that saw me wind up in hospital for a brief stint. I'm OK, I've got another lifelong condition to manage but it's mainly pain-related and that means it's management through outpatient neurology for me.
TL;DR it sucks, but it won't kill me so I don't want to dwell on it.
I just want to shout out to my beautiful cat who slept beside me for twelve hours straight after I got home and was nice to the paramedics when they were doing their job. She makes even the worst situations bearable. Love her, here's an artist's impression I commissioned:
While I still have a lot of plans for working on my Wedding Peach site, this new complication may slow me down a bit. I'll keep on keeping on though, you know me. Thanks for your patience.
#personal#my insurance should cover the ambulance#but all these things#like seeing specialists#and getting new meds#while i've had to take several days off work#it's ridiculous how small the safety net in this country is now#i don't qualify for any kind of support because of how they decide whether a condition is stable or not - if not stable no support#i'm not going to vent about all this now#i try to keep this blog a positive space#but damn is it frustrating#at least I have a PERFECT CAT who is BEAUTIFUL#she is even sleeping beside me again RIGHT NOW
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Wondering how other people compare to my chronic illness adventure of accumulating specialists. How you interpret this question is up to you - for my part I'm thinking about people I go to regularly and also specialists that I've gone to repeatedly, even if I'm not on an annual/biannual cycle with them.
#my answer is 6 regular and 3 additional specialists btw#but I may be forgetting some#also if I have to go back to PT that will jump to 10 total#'how do you afford this' well luckily I'm insured but medical bills is still my second highest expense after housing
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It's been interesting to observe the changes in how doctors treat me as I've gotten more disabled and more obviously/undeniably disabled, because as far as I can tell there's no point at which doctors will stop treating disabled ppl like they're crazy/have no idea what's going on/must always be wrong about their bodies, but the way they do it does change IME. I no longer get "there's nothing wrong with you, you're making it up", but I still get gaslit abt my health at about the same rate, just with "that can't be what's going on" [about stuff that all of my symptoms and test results indicate is probably going on] instead :|
Sometimes from the same doctors who were previously claiming there's nothing wrong with me! And they think I won't notice!
#original#my health is ok right now!! my PCP is amazing which is currently compensating for all my useless specialists#who only exist to tell my insurance to cover tests for my PCP to interpret lmao#so dont worry abt me 💗 am just musing
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Man finding a PCP as a fat person is so hard because you try different doctors and it’s like:
Fatphobic
Fatphobic and thinks I’m faking my pain
Fatphobic
Fatphobic
Slightly less Fatphobic! The office is an administrative nightmare
Fatphobic
like please I just need someone to go to for yearly check ups and to refill my meds please stop telling me to ‘just exercise’ ffs
#trying a new pcp soon and this is my anxiety manifesting as anger#also like almost every specialist I’ve ever seen has at least a dash of fatphobia#but like they’re the only one in your town that your insurance covers so tough shit#anyway. shout out to the doctor who told me to drink water instead of eating when I’m hungry#fatphobia#a talking onion
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eye doctor was trying not to scare me today bc i have a sight threatening condition 🥲 it's probably treatable but i need to go to a specialist
#havent been to the eye doctor in six years but i was like okay i need to update my prescription my headaches are getting really bad#and my prescription barely changed so the doctor said it wasnt that#also this other condition doesn't cause headaches either so treating it wont even help :(#tho it does make me light sensitive which is a trigger ao maybe it will help a little i hope#but mostly i hope its treatable#also i have no health insurance so hopefully its not expensive lol#but at least the job search is going well so maybe i can handle the treatment myself#but since i will go blind if its untreated my parents will definitely cover it if i cant i just feel bad#they paid for my appt to get the new prescription today too but that wasn't very much i didn't even get the new glasses#but seeing a cornea specialist regularly to treat a scary condition is going to be expensive 😭#i dont even know how expensive yet tho#maybe i should make a gofundme or something#this has been a shitpost#im not 100% sure my parentsncan afford it if its expensive#probably depends how far its progressing and how fast andnwhat the cause is and a million other things#but i know it can be difficult and resist treatment 😰#and its not early for catching it at all
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I now understand why some younger generation people don’t even have a primary care doctor. This shit is frustrating and/or useless sometimes.
#personal#My PCP is unwilling to give me another urologist referral so I’m stuck like this.#They DO now want me to see a specialist for my IBS now and I just got done having unnecessary blood taken.#<- Which all wouldn’t be frustrating if I knew how much my insurance charges me for either.#Like I get why some people just say they rely on urgent care centers now.#What’s the point of paying a PCP copay if it doesn’t get you anywhere?
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i think the toughest part for me during all this is how fast it's been. going from being totally normal but with gas/bloating/farting....to suddenly having no gas/bloating/farting but experiencing difficulty breathing and high heartrate one time when i ate too much. then during the week having that happen more and more every time i ate. and then having it happen even if i ate hardly anything. and then starting the probiotics the next week and having that solve the difficulty breathing issue but introduce other side effects. and eventually getting to the point where that nerve pain and extreme reduced ability to move my legs/arms and mental confusion was a constant rather than just when i ate. i have felt so helpless through this whole thing and the doctors kept saying 'wait a week for your appointment and get a referral' while the ER was saying 'you need to see a specialist NOW'. and every day i was waiting it got worse. its just so frustrating because if i had been able to see a real doctor on the 27th of july when i ended up in the ER the first time, so much of this pain might have been slowed or prevented. im sitting here being dizzy and unable to do basic things like clean my house or move around much and am looking forward to spending the next four days just trying to survive till i can see a doctor.
my lovely neighbor went out and bought me these drinks called 'orgain' so im drinking that now and just hoping desperately its not going to trigger anything
#jrnlsht#i have an apppointment monday#i finally got fed up with insurance and found a private GI specialist in beverly hills lmao#grandma is gonna help me figure out how to financially afford it and hope that i wont have to pay thousands for the tests#but soooooo many patients dont even have that option of relatives who can help#this is common enough that when i explained my situation to the private doctors office#they said that they were acustomed to getting people with state health*care who were in emergency situations and couldnt wait#there are much better doctors in places like the hun*tington hospital but they are not allowed to accept cash#because if you are on state health*care you are not supposed to have money to pay cash to see a doctor even in emergency situations#its so profoundly stupid#like yes im on state healthcare because i cant afford 300$ a month insurance payments while unemployed#but that doesnt mean it isnt worth it to take 400$ out of my savings to see a doctor in an emergency situation#i fucking hate the united states so fucking much
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Have never solved my problems
PCPs
Have not totally solved my problems, but have certainly improved them
Physical therapists
Orthopedic specialists
Me, trying random vitamin supplements to see if I'm missing one (evidence points toward B group)
#what I read online is that insurance companies required you to get a PCP because it's correlated with better health outcomes#I mean that's certainly possible. they've just never done anything useful for me#except refer me to specialists who then proceeded to actually address the problem#patter
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#i am Dying#so for reasons im not gonna get into i stopped taking my meds a couple months ago#and luckily my mood and depression/anxiety hasnt been an issue at all!!#in fact im usually very happy and content#but one thing has come back and its come with a fucking vengeance#like i thought it was annoying in high school#but now its downright hindering#like im making up for the past 9 years or whatever#and i didnt realize until this week that its probably bc im off my meds#and unfortunately its making my insomnia bad again which means im starting to have another issue that i had in hs#its only happened once but if it continues then things will get bad lol#im trying to be vague on purpose bc this is soooo embarrassing#i cant talk to my friends abt it bc we dont talk abt that stuff (or at least they dont w me so i dont feel comfortable bringing it up)#and i would talk to my sister but i dont want her to know im off my meds#so like. dying#i have a plethora of my insomnia/anxiety/depression meds dont get me wrong#but in order to take them again i need to update my insurance w the doctor#then go to the doctor#then get a referral to a specialist#who can hopefully help me#and then i can take my meds again#i knowww i should bc my slope be slippin#but like im in a good mood and am content with everything in my life but my work and my issue that i need a specialist for#so im not very motivated to do things i dont wanna do#idkkkk#sorry im rambling lmao#vani.key
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In my head and in my heart, there is a DS9 firefighter AU
#miles is the 'engineer' aka the guy who drives and is in charge of monitoring the engine while it pumps water#julian is the overachiever paramedic who has every certification possible#sisko is obv the fire chief. Jadzia is a hazmat specialist#odo is a fire inspector and investigator#quark is the guy who keeps burning shit down for insurance fraud#we can pair this au with funeral director garak au lol#dukat is a fire chief from another district but actually hes secretly a john orr type
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there are doctors there are hospitals there are specialists there is medicine there are systems in place so people do not have to suffer and be tortured under their own chronic pain daily and yet. they're all fucking inaccessible to the people who need it most!!! to what I would argue is most disabled people!! I'm so fucking done with the medical system.
#today is an absolutely wretched pain day that makes me want to not be here anymore but guess what!#wasted a whole year trying to convince my doctors I was in significant and disableing pain daily and the best they could do#is tell me to go to PT and to wait 6 months and tell them if it gets better#to prescribe some shit like gabapentin or otc pain meds and write me off#tell me they'll get new X-rays to see if it got worse by the summer#disability exists!! specialists exist! good doctors fucking exist!! somewhere!!! I'm sure!!#but here I sit. in excruciating amounts of pain unable to convince any fucking doctors of anything#and that year I spent pushing myself to the limit is wasted bc at the very end of it all only one guy listened to me#and he said no one in their giant ass facility could diagnose me#so I'm back to square one bc I got a new job which means new insurance and new doctors to try and convince again#I just want to be on disability so i can want to be alive again#I'm so frustrated and in pain constantly#what are people like me who have to work 40hrs to afford to live but don't have any family to rely on supposed to do??#just die? am i supposed to continue to work until im too disabled to move and be profitable unless i get lucky?#bc some fucking doctor finally decides to actually listen???#ive tried ALL THE DAMN TRICKS TOO. telling them a friend has it and thats how i found out. that my previous doctor was looking into it#etc etc#I'm SO done living like this i am exhausted.#and to know that i COULD BE HELPED. RIGHT NOW. is the worst fucking part#these systems are in place so people like me dont have to fucking suffer.#but i cant even do anything about it bc i have a cat.
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Doctor just told me the most devastating news. No, I'm fine -- I definitely have sleep apnea, and FINALLY, I can do something about it now. That's the good news. The bad news? She wants me to stop staying out late at Karaoke. Specifically, she wants me to have a consistent bedtime between ALL the days of the week, including the weekend. And I work at 7 am on weekdays. I go to bed at 8:00 to 8:30 on weeknights (or at least aim to). She wants me to go to bed at 8:30 or 9:00 on WEEKENDS. Karaoke STARTS at 8 pm.
This is fucking AWFUL for me. Karaoke is what keeps me going through the week. Karaoke is what makes me able to function even when I'm having a bad day. Something horrible happens to me or just in general, and I think, "well, at least I have Karaoke this weekend." And now I can only sing 1-3 songs (IF I follow my doctor's advice, which... we'll see). Like, I'm sure it seems so trivial to anyone else, but Karaoke is my FAVORITE thing to do and when everything else in my life fucking SUCKS it's what I always come back to. Because my friends are busy and tired. Karaoke is at the same time every week. And I get to support a local business when I go to the karaoke bar. The staff and some of the patrons there know me. I'm a regular. Karaoke is one of my main coping mechanisms right now. It's THERE for me. The drinking I can quit and the weight I can lose and a lot of my friends move away because it sucks here. But Karaoke is always there. Where else can I go sing? My apartment isn't big enough to have Karaoke parties anymore. This bar is the only place nearby that does Karaoke on weekends. There is no afternoon Karaoke. There are no other options.
I almost cried in that office. I NEED Karaoke. I don't know how else I'm going to get through the next 4 years. When the rest of my human rights are stripped away and my friends can't have their meds anymore, Karaoke was going to be my solace. I can't get proper medical care if someone rapes me again bevause abortion is illegal with no exceptions in Idaho, and "crossdressing" is going to be a crime, and everyone I know is going to fucking suffer, and so many people are going to die, but at least I could go scream into a microphone at Karaoke. And the whole bar will scream with me if I pick the right songs.
#yeah sex is great but have you ever done karaoke?#i'm so sad#i'm not going to stop going. i know my sleep suffers and the rest of my body suffers. but goddamn if karaoke isn't one bit of joy that i...#...am NOT willing to give up right now. if trump had lost the election then maybe it wouldn't be so gutting. but he did and it is.#also lol apparently when i paid $200 out of pocket for my home sleep test 3 years ago my results showed super clear sleep apnea...#...and i stopped breathing 9-10 times per hour and 63 times total on a very conservative estimate. and i was told that...#...since i only had 'one blip' of sleep apnea that my insurance wouldn't cover treatment and i couldn't get a cpap and i would just have...#...to lose weight. that the rest of my life i'd have terrible sleep and choking rape dreams because i can't get treatment for the...#...sleep apnea that i don't have badly enough to warrant doing anything about it.#my specialist doctor literally put her head in her hands and said she has no idea why i wasn't treated for sleep apnea 3 years ago because..#...i very obviously have it and she doesn't know how this happened other than just 'lack of care'. i'm pissed honestly. but i'll...#...go on THAT rant some other time.#personal#not tagged#rant
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