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... some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Dwelling Replacement Cost Form 4/30/2013 10:38:09 PM by CompleteMarkets Editor This content has not been rated yet. DWELLING REPLACEMENT COST FORM &# 160 NAME: LOCATION ADDRESS: DATE: Table A Enter 1 for each unit (ie. three bedrooms=3 ) listed below: Living Room Unfinished Attic Bedrooms Unfinished Basement (see note below) Bathrooms (3 or more fixtures) Stone exterior Walls Kitchen Clay Tile or Slate Roof Dining Room Two-Car Attached or Built-in Garage Family or Recreation Room Three-Car Carport Den, Study, Office, or Misc. Rooms Den, Study, Office, or Misc. Rooms (Over 300 Sq. Ft.) Table B Enter 1 for each unit listed below: Dinette or Breakfast Nook Enclosed Porch Half Baths (2 or less fixtures) One-Car Attached or Built-in Garage Laundry Room with adjacent Half Bath One- or Two-Car Carport Brick Exterior Walls Large Rooms (200 to 300 Sq. Ft.) Central Air Conditioning Table C Enter 1 for each unit listed below: Foyer or Entrance Hall Large Deck (over 300 Sq. Ft.) Walk-in Closet or Dressing Room Concrete Tile Roof Work, Storage, or Laundry Room Fireplace Breezeway or Open Porch Additional Cars per Garage (over two) Note: For Finished & ...

... Unless You'Re Sure It's So 4/30/2013 10:44:07 PM by CompleteMarkets Editor , Curtis Pearsall This content has not been rated yet. DON'T SAY IT'S SO UNLESS YOU'RE SURE IT'S SO by Curtis Pearsall Recently, I had a personal situation that could have led to an E&O claim. Every year in August, I take my two boys and my oldest son's best friend down to New York for a Mets game and a Yankees game. This year, instead of taking my car, I talked with an auto-dealer friend who allowed me to borrow a customized van. I didn't rent it, nor was it provided to me as a loaner for my car being under repair. After checking into the hotel the first night, I went to pull into the parking garage. Little did I realize that the van was higher than the height of the parking garage, and I cracked the top of the van. The damage came to $1 ,300. When I got back home, I notified the auto dealer of the damage. I also notified my agent, who had me fill out the appropriate claims report. When I asked my agent how my policy would respond, he advised me, Don't worry about it, your policy should take care of the damages. Unfortunately, he provided me with this opinion without checking with the company. In actuality, because of a clause in my policy, my carrier paid the deductible on the auto dealer's coverage, and the rest of the claim has been submitted to the auto dealer's insurer. Obviously, a ...

... have purification tablets, but read the label on the bottle before using them. Pipe wrenches and crescent wrenches for turning off gas and water mains. HOW TO USE THE FLOOR PLANS Draw your house or apartment floor plan. Don't worry about how it looks- the artwork is not important! Now mark the exits, emergency equipment, and utility turn-off locations on your floor plan. The importance of this exercise is to have you actually learn these locations and mark them down. It is also very helpful when discussing how to escape from your home safely during a fire or other emergency. Also, note the reunion place where all family members will meet following the evacuation. Post your completed emergency floor plan in an accessible location such as inside a cupboard or closet door, back porch, or garage. Inform family members, baby sitters, and neighbors where it can be found in case of an emergency. HOME PREPAREDNESS Place large and heavy objects on lower shelves. Securely fasten shelves to walls. Remove glass bottles from medicine cabinets and from above or around the bathtub and sink. Remove all flammable liquids such as painting and cleaning products to the garage or outside cupboard. Store in proper containers. Make sure your home or place of work has ample exits that will not be blocked with fallen debris. Fasten all top-heavy furniture such as refrigerators, tall bookcases, and glass cabinets, to the walls by means of hooks, angle brackets or braided wire. Install fasteners or latches on cupboard doors. Strong child-proof latches will work well. Apply the same precautionary measures to your places of ...

... For instance, if you ran an auto garage, would you want a sign over your garage emblazoned with a delicate script fon...

..., I went to pull into the parking garage. Little did I realize that the van wa...igher than the height of the parking garage, and I cracked the top of the van....

... someone leaving their keys in the car. According to several of our faculty members who have reviewed many Auto policies, it's very unusual to include policy language that excludes theft under these circumstances. However, the policy in question is not an ISO form. According to this proprietary company form: This policy does not apply under Part IV to loss due to theft under Coverage D of Part IV if evidence exists that forcible entry was not required to gain access to the automobile and violation of the steering column and/or the ignition system is not present. Forcible entry means felonious entry by actual force and violence evidenced by visible marks on the exterior of the automobile and the destruction of the lockable steering column; or evidence of actual force to gain entrance to the premises on which the automobile is garaged at the point of entry. Based on this, it seems clear that the claim isn't covered and that the insured has no recourse under the contract. This points out a valuable lesson: All Auto policies are not equal. Anyone choosing coverage based solely on price might get exactly what they pay for. I looked at the insurer's Web site and the slogan says, An Insurance Program with a Difference. That certainly appears to be the case. The Personal Auto insurance section indicates that they insure nonstandard exposures and that their policy forms are nontraditional. So, the insured was warned. I'm not criticizing this insurer. They have the right to offer a contract that fits their underwriting standards and clientele and to price it accordingly. This example illustrates that price alone is no basis for comparison between products or ...

... knows that a loss has been continuing over a period of time, it's usually not covered — and many, if not most, policies have an exclusionary provision for neglect. Dictionaries define sudden' to mean: (1 ) An unexpected occurrence; a surprise' (Webster's 1998 edition), (2 ) Happening without warning; unforeseen' (American Heritage dictionary), and (3 ) Happening or coming unexpectedly' (Merriam-Webster) . In other words, sudden' means unexpected or unforeseen, a surprise — and it appears likely that the insured did get a surprise. Here's another example, involving a Commercial Lines claim. The insured cement contractor was pouring a concrete driveway at a home in a new subdivision. As nightfall approached, he inadvertently caused cement to be splattered on a nearby garage door, necessitating its replacement at a cost of $827.69. The owner of the home made a claim for his negligence. The insured received a letter from his CGL carrier's Senior Claim Representative denying coverage, citing Exclusions 2.j.(5 ) and 2.j.(6 ) . Upon receiving a response from the agent to this letter, the claim rep sent another letter citing Exclusions 2.j.(4 ) and 2.a. We made these points in an attempt to convince the adjuster to pay the claim: Exclusion 2.j.(5 ) — That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the property damage' arises out of those operations .. [emphasis added] . The insured was not working ...

... . ONLY use upper-case words when trying to make a point (such as I just did) . Even at that, you should be careful with whom you are exchanging messages. Don't make a comment about the grammar or punctuation in a message you've received. Nobody wants to feel like they are exchanging e-mail with their eighth-grade English teacher. Don't request computer help without providing system-specific information. For example, if I submitted an e-mail that stated "I've got this problem with Word.." . Well is that MS Word for DOS, MS Word for Windows, MS Word for Macs? What version? Version 2.0? Version 6.0? Remember, the computer world is made up of every kind of computer imaginable, from IBM PC's to Macs to UNIX workstations to the one your neighbor assembled in his garage. The correct method would be to list all the system specifics first, then describe the problem or question. For example, if I were seeking answers to questions about Microsoft Word for my computer at home, I would list Gizmo Model SR-32 (Microchannel Clone, 486-66Mhz, 16MB RAM, 400MB SCSI hard disk), MS DOS 6.22, MS Windows 3.11, MS Word 6.0a and then state the problem in detail. Never send a e-mail asking for the meaning of BTW or : -) . If you've not already found these in this document, keep reading. E-mail users use lots of abbreviations (not everyone can type 200 words a minute) and other funny characters (" emoticons") . These are two of the more common examples-"BTW" is the equivalent ...

...normally cover outbuildings¾like garages and sheds¾also. If you have a mortga...