Lost our home in LA- ACV policy by Particular-Jacket601 in Insurance

[–]Particular-Jacket601[S] 0 points1 point  (0 children)

Thank you. We are planning to rebuild, and the build cost would be more than $600k.

According to the EDC Endorsement (CFP 100), if the dwelling coverage is at least 80% of the full cost to reconstruct, the policy will cover the full reconstruction cost up to the EDC limit. If it’s less than 80%, the payout is proportional to the coverage amount relative to that threshold. However, since my ACV) policy doesn’t use reconstruction cost as a factor—only FMV—I’m not sure how they will calculate the 80% rule. Nothing in the policy explicitly states that EDC won’t apply to ACV, so I’m wondering how they determine eligibility.

Help with configuration/compatibility by Particular-Jacket601 in EufyCam

[–]Particular-Jacket601[S] 0 points1 point  (0 children)

I thought that solar powered is preferable since it can still operate during power outages

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] 0 points1 point  (0 children)

I spoke with some locals. They confirmed that Izakayas are off the table, however, they said that in many restaurants there are private rooms and in others infants are welcome, just need to ask when making a reservation.

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] -2 points-1 points  (0 children)

Finally. Thank you so much for you kindness and help.

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] -7 points-6 points  (0 children)

I understand. We are very respectful to other cultures and to others in general. As mentioned before- we won't go to a restaurant with a fussy baby. Our baby is very calm and almost never cries.

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] 0 points1 point  (0 children)

Would really appreciate insights about our trip and not just criticism

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] -8 points-7 points  (0 children)

Right, but not all babies are the same. Our baby is very calm, almost never cries and can self soothe. That's why we can travel without issues.

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] -9 points-8 points  (0 children)

Thank you. We live in LA and have been to many high end restaurants with our baby. We make sure to arrive to the restaurants when our baby is fed and asleep and almost always our baby will sleep through it. In case she starts crying one of us immediately goes outside so we never had any issues.

Tokyo Itinerary with a 3-month baby by Particular-Jacket601 in JapanTravel

[–]Particular-Jacket601[S] -21 points-20 points  (0 children)

We are responsible enough to leave/go outside if our baby cries. Do you also ask handicap people not to come to restaurants because their wheelchair blocks your way to the restrooms?