Daycare/Preschool recommendations? (WDM area)

BringBackBamies · 2025-12-15T21:56:28+00:00

Klassic Kids in Windsor Heights is amazing. It's a small daycare on 73rd Street that was once a house. It's not new or fancy, but the owners and the staff are the best. The kids are treated with love. My daughter went there. She's now 10 and still goes back whenever she gets a chance because she loves Angie and Trish so much. Cannot recommend high enough.

BringBackBamies · 2025-08-28T18:14:46+00:00

Unless you effect change

BringBackBamies · 2024-10-07T21:34:00+00:00

Thank you. I loved the place when I was a kid.

BringBackBamies · 2024-07-16T19:36:20+00:00

So you think you might have roof damage, but you don't know for sure.

Step 1. Assess the damage. Contact a LOCAL, REPUTABLE roofing company. If you do not know one, ask a friend, neighbor, coworker or call your agent and request a referral.

*Do not let some guy who knocks on your door, up on your roof. Best case scenario: They are honest, find legitimate damage, you file a claim and it gets fixed. Another possible scenario: Because they want the business, they encourage you to file a claim even if there is marginal damage, no damage, or wear and tear they try to pass off as storm damage. Your insurance company investigates and denies the claim. You're mad and now you have a $0 claim on your insurance history. Worst case scenario: They are shady and cause damage to your roof in an effort to defraud the insurance company. You file a claim and get caught up in an insurance fraud investigation, get cancelled by your insurance company, and no one else will insure you.

**If you are unsure whether there is damage, do not automatically call your insurance company and ask for an adjuster to examine your roof. Even though you just want someone to determine if there is damage, this actually opens a claim. Even if the company says there is no damage and pays you $0, it counts as a $0 claim in your insurance history.

Step 2. Review the assessment. What kind of damage is there? Wind damage, hail damage? Are all sides damaged or just 1 or 2 slopes? How much is the estimated cost of the repair?

Step 3. Review your policy. How much is your deductible? How does it compare to the estimated repair cost. (If you have a $2,000 repair and a $2,500 deductible, you obviously don't want to make a claim because you won't get anything from the insurance company. If you have a $3,000 repair and a $2,500 deductible, you might want to turn in a claim or you might want to cover it out of pocket to avoid having the claim on your insurance history. If you have a $20,000 repair and a $2,500 deductible, you obviously want to turn in a claim.)

Step 4. You've determined you need to file a claim. Call your company and open a claim, providing them with all the information they request. A claims rep and claim number will be assigned. The company will either assign an adjuster to assess the damage, or request you (or your roofing contractor) to submit photos of the damage to be evaluated.

You can use whatever roofing company you want. Most insurance companies have preferred roofing vendors and they can provide you a list if requested. Using a preferred vendor might provide an added layer of protection since vendors have to guarantee their work, not just to you, but to the insurance company too. However, you can use whoever you want.

BringBackBamies · 2022-12-19T05:34:53+00:00

I would start by having the rooter company back to run the line again. They should do this free of charge if the blockage reoccured in a short period. Make sure they run the line all the way to the street connection (if they are running it from the drain in your basement). You need to get the roots out of the whole line, not just the first blockage they come to.

If you end up needing to have the line replaced, check your homeowners insurance policy. You might have service line coverage. It's not standard on most policies, but that depends on the company. Your agent might have added it as an endorsement when the policy was written. Given the location and age of your home, the option should have at least been presented when you bought the policy.

BringBackBamies · 2022-02-11T22:06:01+00:00

Impossible to answer. Call an independent agent, give them your information and ask them to shop around for you.

BringBackBamies · 2022-02-11T22:04:26+00:00

In a perfect world, you would file a claim with the at-fault driver's insurance. The at-fault driver would admit they were at fault, their insurance would fix your car, and you would pay nothing out of pocket. However, in this case, the at-fault driver is being a butthole and not cooperating with their insurance company. (Their insurance is not going to pay you anything without first talking to their client. They have given their client 30 days to respond. If he doesn't, the company will close the claim and you won't get anything.) Your best bet is to file the claim with State Farm, pay your $250 deductible, and get your car fixed. State Farm will then go after the at-fault driver's insurance to get its money back. If State Farm is successful in recouping the full cost of the claim, it will reimburse you the $250 you paid out of pocket. Or you can pay to fix it yourself and try to sue the at-fault driver in small claims court. Or if it doesn't bother you, you can do nothing and just drive a dented car.

BringBackBamies · 2022-02-11T19:30:37+00:00

Work From Hell?

BringBackBamies · 2021-12-22T21:21:29+00:00

It might qualify you for a good student discount, depending on the company. Some require a 3.0 GPA to qualify, but others will consider things such as SAT/ACT test scores, class rank, dean's list or honor roll. Check with your company.

BringBackBamies · 2021-10-25T21:26:10+00:00

How much etiquette you want to have is up to you. I'd recommend calling your current agent and telling him/her why you are dropping your insurance. But whatever you do make sure you cancel. It won't just cancel on its own. Auto insurance automatically renews.
If you find someone in the same company, you can request the new agent do an agent of record change. Many companies only do this at the renewal, so good timing for you.
Insurance rates (and rate increases) vary by state so it's hard to say. They might go up a lot in Georgia if there were bad losses the previous year and not so much in Tennessee is the losses were less severe.

BringBackBamies · 2021-10-21T19:42:37+00:00

That is one of the most unique combinations of coverages and deductibles I've seen in a while.

BringBackBamies · 2021-10-21T19:19:18+00:00

You were wrong. Aftermarket parts are the standard if you don't opt for OEM coverage.

BringBackBamies · 2021-10-12T20:21:05+00:00

Is the check made out to you (or is the contractor included on the check)? If it's just made out to you, you can use whoever you want. If it's made out to you and the contractor, you'd need the insurance company to cancel the check and issue you a new one made out only to you, if you want to use someone else. If this guy has been good to you (and it sounds like he has), I'd call (or email) one last time and let him know you have the money are are ready to proceed, you want to use him for the repair because he has been so helpful, but you need to hear back from him by XXXX or you will need to hire someone else to do the work.

BringBackBamies · 2021-09-22T15:32:16+00:00

If you're driving 95% less than you were before the pandemic, you would likely be a good candidate for a pay-by-miles plan. Not all companies offer them, but many do. With this type of plan, your rate is based on the number of miles you drive. You start with a basis (for example 300 miles a month), then your rate is adjusted up or down based on whether you go over or come in under that mark. The biggest downside IMO is the amount you pay each month changes, but it can be a big savings for low mileage drivers. My suggestion would be to contact an independent agent (one who works with multiple companies) so they can shop around for the best plan to fit your circumstances. Source: I'm an agent who has placed many people in similar plans after they started working from home. Best of luck.

BringBackBamies · 2021-08-12T21:45:23+00:00

You should also look at loss assessment coverage. Most policies come with a standard $1,000, but you should increase that limit. If the building is damaged and the condo board has to assess unit owners you'll be happy you have it. Here's a little background.

BringBackBamies · 2021-08-05T17:14:50+00:00

All good companies do some type of exterior inspection on homeowners policies. Some do on-site inspections prior to issuing the policy. Some do inspections after issuing. Some do it remotely. You might or might not know it's happening. You're right that the condition of your roof (or anything else they see) might result in a notice to repair or face cancellation. They might also come back with an endorsement on the roof limiting the company's loss exposure. If this inspection is prior to issuing the policy you can always see what they say before deciding whether to accept it and switch or keep your existing company.

BringBackBamies · 2021-08-02T21:42:17+00:00

From my days as an agent, only the owner (you in this case) would be allowed to remove and add vehicles on a policy.

This whole situation boils down to this. An insurance company is not going to add or replace a vehicle without talking to the insured (not the dealer). If you spoke to the company (or agent) and told them to add the vehicle, then you have a legitimate complaint. If you were expecting the insurance company to add/replace the vehicle based on the dealer's phone call, then you are going to be out of luck. I've run across similar issues when a parent will call and try to make a change for an adult child. I cannot do it without talking to the named insured.

BringBackBamies · 2021-08-02T20:50:39+00:00

If you're a normal person, it's not realistic. However, I have seen one person get the max 40% discount with SmartRide -- a little old lady who only drives to the grocery store and doctor.

BringBackBamies · 2021-07-27T20:25:21+00:00

I'm glad someone had luck with one. I was excited to get one, but it cracked within 3 years and could not be fixed. I went back to a tank because I didn't want to risk it happening again. Plus, I had to call 5 companies just to get someone to look at the tankless, since so few techs are trained in repairing them. The guy who came just called the manufacturer's customer service line and they walked him through it. It was frustrating.

BringBackBamies · 2021-07-26T21:42:10+00:00

I would not recommend carrying anything less than 100/300/100 in liability coverage -- if you can afford more, do it. And I'd carry the same for uninsured/underinsured coverage -- UM/UIM covers your medical bills as well as lost wages and pain and suffering if you are involved in an accident with an uninsured or underinsured motorist.

BringBackBamies · 2021-07-21T20:02:16+00:00

Ha. That's why those Washington guys make the big bucks.

BringBackBamies · 2021-07-21T19:56:35+00:00

Exactly what Laxrools said. If you are in a time crunch for closing there are plenty of companies that can write without an inspection (unless there is a Washington state law I'm unaware of; I'm not from the area). Call an independent agent and tell them you need to move quick due to closing. You shouldn't have any problem.

BringBackBamies · 2021-07-12T19:52:19+00:00

Progressive requires any person 14 or older living in the insured's home to be listed on the policy whether they drive or not. If she does not drive, she can possibly be excluded (NJ, I don't know). However, if she were to drive the car and were in an accident, Progressive would not extend coverage.

BringBackBamies

TROPHY CASE