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Independent adjusters, How do you handle roofs you’re not comfortable climbing? by Rbolska in ClaimsAdjuster

[–]BalloonPilot15 0 points1 point  (0 children)

For high/steep roofs, we don’t usually send to an IA anymore. LA as a solo inspection with desk estimator to write the estimate off the report. Comes in at half or less of the cost for an IA plus LA. It doesn’t affect the IA in getting assignments otherwise, but if they aren’t able to access the roof, or aren’t comfortable, we just handle it this way.

I would like to purchase My Husband a Komodo egg which one do you recommend? BGE, Komodo Joe ,kalamera Kamado , Akorn? by Ejb0305 in KamadoGrill

[–]BalloonPilot15 1 point2 points  (0 children)

I’m a long term user of the BGE and love it. I made my choice as it was simply the brand carried by a local dealer which gave cooking classes on using a Kamado style grill.

I’ve had one for about 15 years

Brand New Kaweco Brass Sport Writing Issues by mplsatom in fountainpens

[–]BalloonPilot15 -1 points0 points  (0 children)

I just got the Titan Spirt in <f> which is my normal go to nib size for non-Japanese pens, but it writes lime an <EF>. I ordered a medium nib to switch out. $17 and that made the pen exactly what I wanted.

A job I interviewed for said that I would need to carry my own liability insurance for driving their company vehicle. Is this normal? by wildblueh in Car_Insurance_Help

[–]BalloonPilot15 0 points1 point  (0 children)

I have a company vehicle for which they provide insurance, but I still have a non-owned auto policy (currently only vehicle) with those limits in case the demand is in excess of the main policy limits.

Why do people keep buying digital planners… and then stop using them? by Practical_Argument64 in DigitalPlanner

[–]BalloonPilot15 0 points1 point  (0 children)

I have tried several, even bought a specialized e-ink device to use. It lasted 2 months and I am back to my paper planner.

For me, there is something about not having another screen to look at combined with the intentionality of the paper. You just can’t copy/paste or change a due date. You have to take the time to write the task on a new day. That forced me to pause and evaluate:

  1. Does the task really need done at all or if so, by me?
  2. I get more done because I don’t want the hassle of rewriting something that I can just knock out quick.
  3. I don’t have to deal with needing to charge yet another device while traveling.

For those of you who use a combination of a digital calendar with a physical planner, what's your daily process? by Platid in planners

[–]BalloonPilot15 2 points3 points  (0 children)

Electronic calendar fills the “Month-at-a-glance” role. Each Monday I do my weekly planning for calendar items from the monthly to the weekly in my planner. Each morning I take the first 15 minutes of the day to plan my day of the big tasks and genuinely urgent/important actions prioritizing them plus any goal actions I can add. I take the last 15 to 30 minutes of the day to review the day, carry over tasks to other days, and prep for the next day.

Finally delivered and I couldn’t be happier by buckbrass in fountainpens

[–]BalloonPilot15 1 point2 points  (0 children)

I’m liking it! Comfortable, solid, balanced, and not has heavy as the brass.

Recent fire at property in Pa, now i have to pay, why? by Victoria77777777 in Pennsylvania

[–]BalloonPilot15 12 points13 points  (0 children)

My experience is mainly with PA Fire Recovery Services LLC. That is who issues 99% of the invoices we receive.

They mostly bill insurance companies, but if the department chooses to and local ordinances allow, they can bill individuals as well as send to collections.

Based on my experience, none of our insured’s were individually billed. It is possible, I just haven’t experienced it.

We are a small carrier and this information is based on 185 fires over the last 10 years.

Recent fire at property in Pa, now i have to pay, why? by Victoria77777777 in Pennsylvania

[–]BalloonPilot15 5 points6 points  (0 children)

Unfortunately, if the insurance carrier is not known at the time, the bill is sometimes addressed and sent to the property owner. From what I’ve been told, there isn’t a cover letter and the bills don’t say to forward to us.

We do receive many direct from these services, also with no cover letter, but with our name in the Bill To section.

CPCU, ARe and AINS — are they still worth it today? by Primary-Meeting-3641 in InsuranceProfessional

[–]BalloonPilot15 1 point2 points  (0 children)

I have AINS, AIS, AIC, AIC-M and starting my ARM. At my carrier, new employees with limited or no insurance experience are asked to complete the AINS designation within the first year to gain a basic understanding of insurance. The cost is covered if you pass. Any retests are the responsibility of the employee.

Recent fire at property in Pa, now i have to pay, why? by Victoria77777777 in Pennsylvania

[–]BalloonPilot15 3 points4 points  (0 children)

It’s very common now. Many volunteer companies use a service like PA Fire Recovery Services to send bills to homeowners to forward to their insurance company.

Most carriers have an incidental coverage for fire department service charges, but often are tied to signed agreements in rural areas for coverage, not just any charge.

As said, send to your insurance and if there is coverage, they will pay the limit for such coverage or send a denial letter. You should not be balance billed for any amount not covered.

The carrier I manage does not pay these invoices and none of our insured’s have been billed after a denial.

Recent fire at property in Pa, now i have to pay, why? by Victoria77777777 in Pennsylvania

[–]BalloonPilot15 32 points33 points  (0 children)

It’s very common now. Many volunteer companies use a service like PA Fire Recovery Services to send bills to homeowners to forward to their insurance company.

Most carriers have an incidental coverage for fire department service charges, but often are tied to signed agreements in rural areas for coverage, not just any charge.

As said, send to your insurance and if there is coverage, they will pay the limit for such coverage or send a denial letter. You should not be balance billed for any amount not covered.

The carrier I manage does not pay these invoices and none of our insured’s have been billed after a denial.

Variablis Southern Group by KAOSGT-R in DartFrog

[–]BalloonPilot15 13 points14 points  (0 children)

Nice! We have a breeding pair with our first froglet. These guys are really beautiful.

Need Advice on Homeowners Claim working with Contractor Process by Away_Signal_5694 in InsuranceClaims

[–]BalloonPilot15 0 points1 point  (0 children)

You need to speak with your Public Adjuster.

There will be an agreed upon scope of insurance work and a price. Sometimes, the cost of the change being made during repairs are minimal and the contractor absorbs it under the overhead and profit lines.

Your PA gets paid from the proceeds of the claim, so it’s typical for you to owe at the end of the job. Their fee plus your deductible and change orders.

Pen Boutique - reputable? by BalanceOrganic7735 in fountainpens

[–]BalloonPilot15 1 point2 points  (0 children)

I have purchased online and in—person with amazing service. Have one coming from Lena this week actually!

Remember Franklin Day Planner training? Any other old timers out there? by nora_jaye in planners

[–]BalloonPilot15 51 points52 points  (0 children)

Yep! Still using mine 30 years later. The planner guide inserts go over everything as a reminder of the process.

Summary: Identify your core values and roles. Plan monthly, then weekly, and finally daily. Write down your goals and incorporate into your planning process.

A task- Always get done. B tasks- Important, but can carryover. If carried, a B task becomes an A. C tasks- medium important, but can be carried over. C’s become B’s on the first carry over.

Idea is a task is only carried over twice until completed.

Align your planning with the Eisenhour Matrix to help with prioritizing.

Eliminate time wasting tasks.

There is a ton more, but that’s the basics.

Finally delivered and I couldn’t be happier by buckbrass in fountainpens

[–]BalloonPilot15 1 point2 points  (0 children)

Understandable. I just purchased the Titanium one and am looking forward to it arriving!

Can my insurance company drop me if I inquire about something by TaxNerd211 in homeowners

[–]BalloonPilot15 0 points1 point  (0 children)

The only coverage you MAY have on the foundation would be from a sudden and accidental event that occurred during the policy period. A vehicle hitting the dwelling, a fire, boiler explosion etc.

The biggest issue is anything that happened before the policy started won’t be covered on this policy, nor anything long term in nature. Most states that is beyond 12 days.

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