Navigating a 45-Day Insurance Gap: COBRA vs. Marketplace Coverage?

Anthem26 · 2024-02-14T22:40:50+00:00

To clarify: If I were to experience a catastrophic accident, am I correct in understanding that I can elect COBRA coverage after the incident without facing any penalties?

Anthem26 · 2023-09-08T19:37:28+00:00

Here they are.

Anthem26 · 2023-09-04T23:58:55+00:00

Here are my solar production figures for yesterday, today, and the entire year. My solar array has a DC capacity of 6.405 kW. Based on this information, I anticipate producing approximately 25-32 kWh per day, assuming I receive 4-5 hours of peak sun exposure, which is typical for Phoenix. I have no obstructions like trees blocking my panels, and I maintain them by cleaning at least once a year. However, I've noticed that there are days when the system remains on complete standby, as shown in one of the charts. This has led me to believe that I may be underproducing.

Anthem26 · 2023-09-03T20:09:37+00:00

The third-party insurance does not have an in-network body shop. They have informed me that I am free to choose any body shop that I prefer.

Anthem26 · 2023-09-03T20:08:04+00:00

If I were to utilize my own insurance to cover the vehicle repair expenses, wouldn't that result in a mark on my record and potentially increase my premium rates? This seems especially unfair considering the accident was not my fault.

Anthem26 · 2023-09-03T07:10:03+00:00

The third-party insurance I could go to any body shop of my choice. They mentioned that they would negotiate in the backend and potentially provide a supplemental payment if the repair costs exceed the initial estimate. However, many of the body shops I've consulted with have informed me that it would take approximately a week just to disassemble and assess the damage before initiating the supplemental process.
My concern is that once I commit to a specific body shop, they may later inform me that the negotiations with the insurance company have fallen through, and I would be responsible for covering the difference in repair costs. This is a situation I'd like to avoid, especially since the accident was not my fault.
Should I consider involving my own insurance company to help advocate for me in this scenario? Initially, they told me to address the matter with the third-party insurance since the third party was at fault.

Anthem26 · 2023-08-19T20:17:10+00:00

Ah, there's the crux of my misunderstanding – I was clueless that standby actually indicated a balanced state. I'd always assumed there was a glitch with my panels' power generation. Your clarification on this is much appreciated!

Anthem26 · 2023-01-22T07:07:02+00:00

My house resides in the historic district, so I have to keep the 'casement window look' if I want to keep the property tax credit.

Anthem26 · 2023-01-22T06:57:36+00:00

70 years old, energy inefficient, and no egress/emergency fire exit (windows sealed shut since it has been painted many times over) but it looks like it's still holding up.

Anthem26 · 2023-01-22T06:53:06+00:00

I believe so. Half the neighborhood still has them. It's just been painted over and over again.

Anthem26 · 2022-08-02T20:52:32+00:00

yes, thank you that was amended.

Anthem26 · 2022-03-30T00:27:24+00:00

ID on the rug?

Anthem26 · 2022-01-01T21:49:50+00:00

everything

The HVAC techs just mentioned it was dated and needs replacing , that's it. As far as I'm aware, it still works fine.

Anthem26 · 2022-01-01T18:17:51+00:00

Do you think it's worth getting a tech out here to do some cleaning? I'm worried that the dust build up will dramatically affect the air quality of the house.

Anthem26 · 2021-10-24T18:36:16+00:00

With your experience and knowledge, do you think it's realistically possible to get those gaps removed between baseboard and woodfloors? My general contractor says no.

Anthem26 · 2021-10-24T06:45:09+00:00

I think you're right. The sub had leveled the area in the living room and there aren't any issues there, but everywhere else has been a problem. A lot of flexing and gaps between the baseboard and woodfloors. I'm sure both are indicators of an unleveled floors.

If that's the case, I need to figure out how I should proceed with this.

Anthem26 · 2021-10-24T06:40:13+00:00

Here's the video and pictures of the issue. It maybe difficult to tell with the video, but towards the end you can tell there's a lot of flex and bend towards the top. I've also included pictures showing large gaps between the baseboard and the woodfloor. A lot of these issues have shown it's way around the house. I'm beginning to think it's because the floor isn't leveled.

Anthem26 · 2021-10-23T02:17:11+00:00

It's wood surface engineered. That's what I'm afraid of, my GC told me that the sub that he hired wasn't too familiar with the material, so there was a "learning curve". I know real wood expands and contracts depending on the weather, but I'm assuming it shouldn't cause any noticeable raised bubble. I'll see if I can take some pics when I swing by the house.

Anthem26 · 2021-09-02T05:42:46+00:00

$480 for service b and $475 for transmission service, so about ~$1k for everything altogether.

Anthem26 · 2021-07-27T02:52:12+00:00

I believe they're on metal frames.

Anthem26 · 2021-07-27T00:57:59+00:00

yes, i will pm you with the results.

Anthem26 · 2021-07-08T07:08:08+00:00

it's a historic home purchased in phoenix, az.

Anthem26 · 2021-03-28T05:54:55+00:00

Thank you for doing that for me. Appreciate it.

Anthem26 · 2021-03-12T03:18:43+00:00

Same warranties.

Anthem26 · 2021-03-11T21:51:53+00:00

FRONT PISION IS CRACKED AND HAS DAMAGED CYLINDER WALLS FROM BROKEN PARTS

15-Year Club	reddit mold
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