Fire at one of my last rental

This is not Italy -- Sounds ok though be it that the only rules that are followed are the ones the people make up? some personal responsibilty going on there--And You Have just as much right to have that money in your hands as the bank does -->>>

min Just because we don't like the rules doesn't mean we don't abide by them. If we were living in Italy I might view the subject differently. I have a story to tell about the relatives from Sicily . Back in 07 they came to visit and I was the tour guide. We toured the NE from Niagara Falls to Toronto to NYC and Conn. The story as it relates to this topic goes something like this......... Now in order to get the point across clearly I will have to make an attempt "displaying the abstract." Coming from a country that as I understand it is has the most laws of any nation . Italians have to confront an unpleasant reality . Constantly flouting rules and laws is part of Italy's malaise; For example a few years ago a killing of a policeman during a riot at a soccer stadium in Sicily after a law against hooliganism was passed, many laws are widely ignored . Italy, has 90,000 laws . The thought is that this encourages people to ignore them; contempt for rules is part of the Italian way of life. Because they don't have a high regard for law, doesn't take away from the reality that they are highly professional people. THE LOVELY MRS CIAK cousins are Franco an importer , exporter of high quality espresso from Sicily. Very well known in his professional circles highly respected, Salvatore a physics teacher and world traveler, Francos wife Salvina a house wife and great mother. Sicilians have an unusual haphazard way of driving . I really held unto the OH [shate] handle with my feet planted deeply into the floor boards. My knuckles turning white. There is absolutely no road rage for Sicilians, at least as far as other drivers are concerned. It's futile. You'd be raging all the time because the drivers and the driving are totally crazy and unpredictable. Sicilian Rule number 1.. I no longer obey any speed limits, stop signs, or traffic lights. the "ONE" that everyone knows you must obey is " drive around cars stopped and drive through the intersection!!!!!!!!!!!!!! There are two speeds very very fast, very very slow. If someone is driving to slow they just go around them and if someone is coming the other way they move over and let them pass. No one gets MAD..... they understand this is how it works. Now put this together with the way Americans drive . Imagine being in a car with 3 Sicilians speaking , hollering obscenities. Italian with there hands going every which away flying in gestures not even imaginable to the average human. Traffic ," 4 ways " are really a riot. Who yields? A driver with the most guts and speed wins. "Rule #2" You cannot, I'm very serious about this make eye contact with the other drivers or they will take advantage of your meekness . Maintain your speed hold tight to the steering wheel and grit your teeth. Their cool they know the rules--it's how they drive. Just put a small fraction of your fender in. The intersection is yours!!!!! Hesitate, just for a moment...... You lose. It's a game. A crazy azz game. :woohoo: :blink: :side: :silly:>>>

WOW this topic gets the trophie for longest lasting in the history of RCS

135 replies 3525 views alive for 3 months>>>

Thats the part you do not get - if you buy the ferrari - Your bank does not trust you with your own money - I am not saying they do not have a reason not to because so many people have went out buying ferrari instead of fixing their property - so that ruins it for us all and it should'nt - The owner that goes out and commits fraud that way should go to prison for theft / fraud - Instead the banks and the Insurance companies decide to tell us how and when we can get our money so for us responsible people who have been proven to do the right thing have to jump through the hoops and trust that our banks and insurance companies with our own money - this is where they now can influance all parts of the repair process and i am not saying they are not treating you fairly or maybee even 90% of the customers fairly but still if they mess up even 1% of the time and that just happens to be on one of us responsible customers they did not trust to begin with that is not right. And the bank cannot sue the insurance company for you spending the money unless the insurance company did not have them as a benificiary -

So the scenario should be insurance company sends you check you send it to bank - You commit to doing repairs their packet - they endorse check send it back you put it in your account collect the interest - Do the repairs pay the bills. Get the inspections done. Now if you decide to buy the ferrari instead your bank takes controll of your property sends you to prison for 5-10 years and files a suit to garnish your wages until money is paid back - How many people do you think would still buy the Ferrari? - Is this not a more fair way for everyone? The responsible homeowners get trusted the same as the irresponsible thieves Innocent until proven guilty - The thievs go to prison to think about how they can become a better contributer to society - Insted of taken care of by society.>>>

minn Thinking about what you said about my lack of input in the contractor end of this forum took some introspection . Most of what I do in the roofing end is repairs. I just finished a fairly large residential roof this week. I am bored with most roofing projects . I'm really not interested in most new techniques . A sum total of the roofing business is not fun for me . I'm sure that is what you are observing . I think I know all I need to with repairs . What is there more to know about residential roofing ? For me nothing. It's just not fun . What I am interested in is getting contractors to take control of their communities where there is a huge need due to stormers . You might want to go to the topic where we are discussing ways to combat this . I don't know where this is going to go . We have had some very interesting post. Would love to hear what you have to say. As far as the check goes I will follow the system gladly. It is my money . I met with my architect yesterday . A local artisan whom I have been involved in numerous project with. The house will be rebuilt to a larger much nicer home . Out of the Ashes a Phoenix will arise . I'm using all local artisans from the immediate community .Consciously supporting my community We all have an interest in this beautiful place . A reason for the check going to the bank , basically because the bank is a bigger legal threat than I or you are. Let's play this out and say you or I took their payment for the damages, pocketed it, and bought a Ferrari. Now your house is worth $200K (because of the unrepaired property damage) and your mortgage is $300K, so you walk away from the mortgage. The bank is pissed. They will sue the insurance company. By making sure the bank has to endorse the check, the insurance company is making sure the money gets used to repair the bank's asset, the house. What happens is that the bank wants you or I to endorse the check, send it to them, they'll endorse it " deposit it ", and they'll make out checks directly to the guys who are doing the repairs on the house. This is an attempt to keep us from getting our greedy fingers on the money. The insurance company wins, they don't get sued. The bank wins, their house gets repaired. You might or could lose, because it can be a possible pain in the ass . Now because I have lost rents I am paid the amount of rent I was being paid on the lease for a period of up to 2 years . Kool beans . I didn't ask for this fire I am super glad I had insurance . I'm out nothing and my rental becomes a Phoenix . Kool kool way kool>>>

As far as your check goes tell the bank you do not trust them with the money - Thats what they are telling you right? Endorse the check send it to us and once we can trust you we will send you some.

If you send them the packet you know the one they sent you with the lien waiver --completion --certs --w-9,s etc along with a contract signed by you the owner and you the contractor it is binding if you breech your contract you are commiting a crime as well as not doing the work which would be fraud (felony) Tell your bank you are sending the required paperwork along with the check Not I repeat Not Endorsed and you expect them to endorse the check and send it back to you it is yours you have a contract with your insurance company your bank has no contract with your insurance company - Do not let them BS you be a man and demand they endorse the check first and send you the whole amount -- If you dont get it i will say it again if you do not complete the repairs you are committing fraud and will go to prison - your bank has no right to hang on to the money as long as you show them a signed contrat and a their packet - Demand your money it works almost 90% of the time for us. The other 10% we threatin leins and they pay as well.>>>

Ciak, I really do not think you get it - I mean i can see where you are coming from and your point of view but you just will not in any way see others. maybee you are incapable? maybee not and is is actually your guilt getting you you subconsiously regarding personal attacks?

You play your part just like all of us have our own you claim to know roofing and contractiing but your posts really do nothing for you as far as the knowledge you claim to know.

Insurance companies and banks are another block in the road for us contractors - When i started in the business 18 years ago we dealt with homeowners negoited our own pricing and what was fair the homeowner made the decision we were happy we had the controll and were trusted.

Now the Insurance companies decide what is fair on behalf of the homeowner for a fee - an example of a middle man takes all the responsibility away from the homeowner - get it? In order for us roofing contractors to make money we have to deal with the middle man the insurance company if we do not follow their criteria we do not get paid no matter how much the Homeowner likes us - On top of it all banks set your rates at what rate does insurance companies borrow money to pay claims? this affects our premiums as well as the policies which are poorly written replacing roofs with 5-10 years life left on them which as well affects our rates. The way policies are written no homeowner in The US will ever have to pay out of their pocket directly for a new roof i can almost guarantee every city in the Us will get hail at least once in 20 years so there will be a claim and insurance will pay for the roof with money borrowed from the bank and us roofing contractors are told how much we can charge and the homeowner is told what their premiums will be.

Sure you like it i am sure alot do - a simple monthly payment no worries insurance companies are their to protect for everything no one needs to plan or be responsible or think ahead - just buy some insurance and do it - Pretty soon that is the only payment you will need to make or better yet that will be gone to you just get everything delivered to your doorstep as long as you get up and play the game.

I personally myself belive responsibility should be on the people it should be personal responsibility not a third party or middle man although i am forced to play with the middle man and i do -- i do not have to like it -- nor does that mean i am not good at it - I know all the ins and outs - I just need to decide weather or not i want to start the referral fees to adjusters / agents. and to find out what the right way of doing it is (legally) Which you have not commented on much either. This is the next step of progression i see it coming the homeowner cannot even call a contractor outside of the prefeered contractor zone -- so i better get in -- choose a new profession --- convince people it is wrong or all of the above.>>>

CIAK Said: Just for the record and to make my point about the poison and personnel hate leveled at me. This made in very early April. " I am quite happy how this is going. I have been handled very professionally and courteously. Im proud to be part of this industry.

There is no agenda and well you know it. As for "hatred and personal attacks", they stem from you, and it is you who infers the easy money to be made, (65k in three mths) Your post is nothing more than a vain attempt to fool anyone from your industry who might be viewing now that they have been notified of this thread......shallow CYA. Pathetic. "........The people I work with are honorable ethical moral people.............good grief.....does your B/S never end........?>>>

CIAK Said: It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .

Chucky, YOU are the one who makes your posts "personal" so don't play the "victim" sympathy role here 'cause these guys have had your number for quite some time now. Just try being "real" (for once in your life) and you'll find things go a lot easier. Get off the soap box, eat a little humble pie, and MAYBE your persona will be forgiven. I don't think you're a bad person, per se, but guys like you do a lot of damage in this world and don't have the sense to realize it.

JET>>>

CIAK Said: It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .

Your "intent and purpose" was overshadowed by your lack of clarity and credibility. Your posts should be required to include a disclaimer.>>>

It is obvious there is an agenda that is poisoning this thread . My intent and purpose of this topic was to make anyone that might be having trouble with the insurance process not to be afraid of it. Also I wanted to let anyone know that is interested in this line of work it is not easy money as inferred . You will understand if or when you try . It was not my intent to discourage anyone. The hatred and personal attacks directed at me and about me should be a warning to others. I love this line of work . The people I work with are honorable ethical moral people , not perfect people .>>>

He gave the answer. He does'nt have one, but then any fool can see that by looking through his infantile utterances.

BTW If you are really interested in doing what he claims he does then this is a site that provides more detail.

http://www.bls.gov/oco/ocos125.htm

It also states that you don't need a college degree (although it would be preferential) exposing more lies in this idiots post.

This from the "Training, Other Qualifications, and Advancement" section Training and entry requirements vary widely for claims adjusters,appraisers, examiners, and investigators. Although many in these occupations do not have a college degree, most companies prefer to hire college graduates.

"Education and training. There are no formal education requirements for any of these occupations, and a high school degree is typically the minimal requirement needed to obtain employment. However, most employers prefer to hire college graduates or people who have some postsecondary training."

I sent them, and Allstate a link to this thread in case they want to take a peek and correct/clarify what is written.>>>

Chucky, you never answered Jed's question........where did you get your four year college degree? Oh, and about the military information you provided, you ARE a coward (still)........spots never change.

JET>>>

Their are times when you need to apply pressure to get what is due you. I can't speak for the adjusters and their experience . What I can say is your persistence payed off. What a lot of people don't understand about this business is it is a pressure business . The squeaky wheel . I demand this because it's due me . When it's no . Your question should be " Why not ??" . If you set back and let it go that is what happens. There are time restraints and a lot of pressure on both sides. If you are even close to being right the insurance company will pay if it 's marginal. Don't be " fraudulent " they can smell a rat and will test your stamina. They will win hands down. Customer service is the goal .Know your contract ( POLICY ) * An insurance policy is always interpreted in favor of the insured and not the insurance company.

* Ambiguous or unclear clauses are always interpreted in favor of the insured.

* Ambiguous policies are always interpreted to provide, rather than to deny, coverage.

* An insurance policy is considered patently ambiguous when it can be interpreted in more than one way.

* When a policy provision is capable of more than one reasonable interpretation, a court must adopt the interpretation that favors coverage.

* No limitations or exclusions are implied into any policy contract. >>>