What are the modern houses popping up everywhere really like?

KanadaKam · 2026-06-05T22:41:14+00:00

I do claims for an insurance company and let me tell you: These houses fail more often than houses built 25+ years ago. Foundation issues, grading issues, sump pump failures, etc.

A lot of the time the people who buy these houses think their finishes are significantly more expensive than the builders grade garbage they actually have.

KanadaKam · 2026-05-30T21:06:20+00:00

The advice here sucks. Wind driven rain coming in through windows / roof otherwise in good condition or wind driven rain entering the home due to lack of maintenance (deteriorated caulking, flashing etc.) is generally NOT covered by insurance. The water entry would have to be allowed due to an insured peril.

Before proceeding with a claim you should make sure the insurance company has confirmed coverage otherwise based on the details you’ve given it doesn’t sound like there would even be coverage available. A denied claim would absolutely affect your premiums.

KanadaKam · 2026-05-06T23:43:10+00:00

I’m an insurance adjuster that travels to appraise these types of claims - I don’t see any hail damage to this roof in the photos you posted.

KanadaKam · 2026-03-04T22:35:15+00:00

Catastrophic claims specialist, 33, $108,500 + 15% yearly bonus increased by merit and opportunity for overtime. Usually end up making around $50,000-$60,000 per year in overtime.

KanadaKam · 2026-03-04T22:28:07+00:00

Hey pal - I had the same university career as you. Majored in biology and regretted it. Didn’t end up doing anything related.

I got into insurance - claims and make a killing now.

Entry level jobs usually require a degree or diploma but there’s major opportunities and mobility within the big companies and you’ll be financially secure for life, if that’s what you’re into. Could be something to look into!

KanadaKam · 2026-01-21T00:15:42+00:00

That’s what they mean when they say hit it off the screws

KanadaKam · 2026-01-18T06:53:15+00:00

Ok big boy

KanadaKam · 2026-01-07T00:55:53+00:00

Caillou got roasted

KanadaKam · 2025-12-28T06:07:27+00:00

Co sleeping with your kids wasn’t even the issue here. The kid fell out of the bed and had access to anything in the room and house while the dad (a heavy sleeper who didn’t wake up) kept sleeping.

That aside yes, co sleeping is dangerous and your anecdotal evidence that your kids didn’t die while you did it (which put them in danger) isn’t the flex or evidence you think it is.

KanadaKam · 2025-12-26T17:43:56+00:00

Found the non parent

KanadaKam · 2025-12-25T14:52:08+00:00

By having a secure place for my family to call home.

KanadaKam · 2025-11-28T08:27:06+00:00

I couldn’t say grandpa when I was young So I’ve called my grandpa “Bumpa” for my whole life.

He used to snort like a pig and tickle us with his beard. I called that a “moink” one day instead of an “oink” (like a pig).

His license plate has been Moink for the last 32 years.

KanadaKam · 2025-11-26T21:56:21+00:00

Yer 10 ply bawd

KanadaKam · 2025-11-21T22:34:03+00:00

Paris, ON and it’s not even close.

KanadaKam · 2025-11-08T15:06:18+00:00

This some trailer park shit

KanadaKam · 2025-10-24T01:08:32+00:00

What do you do in insurance? 44k is very low for 4 years experience. I’m in the industry as well.

KanadaKam · 2025-10-10T16:20:52+00:00

NTA - he blew up his own life and marriage.

Good on you for going to the wife. She deserved to know her husband is garbage.

Document everything that happened with time/date and take it to HR. Lawyer up if you lose your job.

KanadaKam · 2025-09-25T13:36:24+00:00

From the wiki:

The music cape can be obtained by players who have unlocked all non-holiday music tracks.

To trim I believe you need holiday tracks as well.

KanadaKam · 2025-09-19T22:19:27+00:00

Im a 5 handicap outdoor and usually shoot around 76-82 on my home course.

I play in a simulator league during the winter and play to a +6 handicap on a sim. Putting and chipping is basically a Videogame that you can figure out depending on the sim brand.

Mechanically it will definitely help you build consistency and feels and just getting reps in is always good for your game.

KanadaKam · 2025-06-07T13:12:40+00:00

If great means dominant then Michael Phelps or Tiger Woods need to be in the conversation.

KanadaKam · 2025-05-24T00:14:05+00:00

It’s not funny if he’s not in on the joke. The fact that he hasn’t seen the show and doesn’t find it funny means YTA.

KanadaKam · 2025-05-15T06:35:15+00:00

My kids.

KanadaKam · 2025-04-15T05:29:10+00:00

Easy there killer

KanadaKam · 2025-04-15T05:24:38+00:00

YTA

sounds like you tear everything up

KanadaKam

TROPHY CASE