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...ements. With today's turbulence in real estate, any number of value-added benefits c...ive water-conservation bulletins, environmental advice, or safety tips from va...

... Through various forms of assistance, the owner may be able to borrow the money to make necessary repairs (or pay the deductible portion of any insurance) . This, however, increases debt service on the property and reduces the owner's equity. In the current depressed real estate market, this increased debt service could result in negative cash flow and loss of a substantial portion of the equity. There may be alternate policies that can be used to repair earthquake damage. Or third parties may be liable to the owner for some or ... of the earthquake damage. Know Your Coverage Owners must know exactly what kind of insurance they have. Frequently, the only part of the policy that the owner retains is the declaration page, which lists the name of the insured and the amount and types of coverage. Often, insurance agents send only the declaration page when the policy is renewed, thinking it's unnecessary to give the insured another copy of the policy being renewed. However, a renewed policy can vary in its terms. The standard declaration does not describe the particular ... . Thorough and meticulous planning and investigation can enable the owner to realize value from an investment that seemed hopelessly lost after the January quake. John Barclay, principal of Barclay Law Corporation, lectures frequently to professional organizations. Barclay Law Corp. specializes in real estate, environmental insurance, and business law, among other areas. For more information, call (800) 847-5432 or (714) 476-2672. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need ...

...sing the product both ways. But in reality, an infomercial can be duplicated a...required points. A half-hour show can really sell your agency, the product, an...