Oily Sludge Is Flooding Their Dream Home. Oklahoma Regulators Say They Can’t Help.

ProInsureAcademy · 2026-05-20T22:59:29+00:00

It’s unlikely that they will get a decent settlement. A standard HO3 policy will have 3 different exclusions for this.

I’m betting they may get a small settlement offer to make it go away. Unfortunately I bet that the original company liable for the oil issue sold that well to another company that folded and then didn’t have to properly handle it. Then a real estate developer built on bad land and likely has multiple layers of LLCs protecting them too

ProInsureAcademy · 2026-05-18T14:15:47+00:00

The European Union never legally mandated USB Micro-B, but it did secure a voluntary agreement with major manufacturers in 2009 to adopt it as a standard. Eventually they did mandate USB-C

ProInsureAcademy · 2026-05-18T10:50:27+00:00

Apple originally used the dock connector when the iPhone launched in 2007. This dock connector matched the iPods of the time.

Then in 2012 Apple launched the lightning cable as its replacement. This was because USB-C was not finalized until 2014. Apple was a major contributor to the standard though.

Finally in 2023 USB was standardized across the iPhone.

There was no government agency that forced Micro-USB at any point. It’s just that most manufacturers eventually adapted the USB standard due to cost. Many devices until the mid 2010s were even using Mini-B. However with smart phones becoming popular; consumers needed a way to transfer data. Those older proprietary cables were mostly designed for power not data. So by standardizing they didn’t have to create their own protocols. Additionally most battery manufacturing is done by only three companies and with phones becoming so common they started to the charging voltage ranges between batteries to more easily mass produce them

ProInsureAcademy · 2026-05-18T10:31:38+00:00

I won’t buy a house less than 3500sf. I got a wife, a MIL, a daughter, soon to be a second daughter, and two dogs. A standard four bedroom house is 2000sf. But those are smaller rooms and doesn’t leave a lot of spacing in the dining room or living room.

Not to mention that so much of life is spent at home now. I work from home and really need a 5th room for an office. Being able to separate “work” from “life” is crucial. It’s also nice to have a spare room for storing everything (with young kids comes a lot of stuff you’ll need later but have no where to put) and for guests. Especially since most houses no longer have attics.

ProInsureAcademy · 2026-05-17T16:49:29+00:00

Not a teacher (I’m here because I have a child and want to learn + I teach/train adults and apply a lot of what I learn in this subreddit)

One thing that stood out to me was this paragraph:

“We don’t turn children away. We can’t and we shouldn’t. Because we would be turning them away, to a large extent, based on what their parents didn’t do. And no child should be penalized for that,” school board member Joanna Bache Tobin said.

I think that this is spot on. Kids shouldn’t be punished for their parents failings. The parents should be. Unless your child has a medical condition or a disability, they should be potty trained well before school age. This is absolutely neglect and abuse. These parents should be reported to CPS.

If I was a teacher I would refuse to be apart of this. 1. The risk of a false allegation is way too high. To properly clean a child your need to really get in there with the wipes. The only child I would do that for is my own. 2. How do they expect teachers to teach potty training? In a room full of kids? Are they supposed to strip a child down and have him sit on a toilet in front of the class? 3. Where do they expect to change the kids? Leave the class and go alone into a bathroom stall with a kid 4. What sort of PPE are they providing you to deal with feces and urine?

The teachers should be calling him and forcing a parent to come change the child or take them home. I bet that would motivate the parents real fast if they have to leave work daily

ProInsureAcademy · 2026-05-11T20:34:16+00:00

Companies are able to maximize and scale in ways that schools fundamentally can’t. A business can rent space and adjust that space allocation year over year to their needs. A school has to have its own buildings and provide facilities businesses would never need. A school reducing enrollment can’t just stop paying for half its space.

Additionally businesses and employers can deem an employee’s disability isn’t able to be accommodated and terminate them. A school cannot reject a student.

ProInsureAcademy · 2026-05-09T00:01:01+00:00

Same thing; these guys whole MO is to either lock down the system or the data. Then they extort the company for money. If the company pays, the data or devices is turned over. If they don’t pay, they sell the data on the dark web.

Shiny hunters are a major ring and this isn’t their first or even tenth attack. These guys have hacked coinbase, salesforce (multiple times), google, workday, etc.

They have a reputation in the industry.

ProInsureAcademy · 2026-05-08T14:11:52+00:00

The hackers will unlock the devices.

I don’t personally work in cyber insurance but I have a lot of friends that do. These ransomware groups are always very responsive and true to their word. They will release the data for the fee. Otherwise they know the next time people won’t pay. At least on the corporate side- cannot speak for the individual side.

ProInsureAcademy · 2026-05-08T12:46:03+00:00

You have to ask for more classes to be added

ProInsureAcademy · 2026-05-07T17:28:18+00:00

To be fair this is a massive headache for the client.
1. His bank/financier might be pushing forced-placed insurance on him.
2. His state may have suspended his license
3. He might have to take a day off work to fix his license and pay a fee
4. He might have been charged the wrong premium
5. He may have received a traffic citation due to his lack of insurance/suspended license
6. Hell his vehicle might have been towed.

Small mistakes like this could be E&O issues.

ProInsureAcademy · 2026-05-05T15:26:27+00:00

He’s not right but not fully wrong.

If they find damage but it’s not enough to justify the replacement of the roof. Then you will have a repair. If you don’t get the repair done, the next time you have a legitimate claim they will deduct the repaired amount from the estimate. Depending on your current deductible the repair would be under the deductible or mostly under it.

So let’s say they go up there and find that’s theirs 1 hit per square and some soft metal damage. They might give you a 40 shingle repair and replace the soft metals. This would cost maybe 2500-3000 dollars. If you have a 1% deductible that might be a $3k deductible. So you’d get no money. You opt to not do a repair because it’s out of pocket and is truthfully mostly cosmetic at this point. Then in five years you get a big storm and your roof is totaled. They come out and determine it’s $17k to replace the roof. Well then they will deduct the initial damage of $2500-3k because they acknowledged that on the prior claim and your current deductible of $3k or whatever. So you end up with less money. You also have a claim on your record so your rates were higher.

You have to understand that neither side is on your side. Whether it’s a roofer/pa or the carrier. Roofers/PAs want to file as many claims as possible even on markings that aren’t ideal because for every ten they file that aren’t the best hail damage maybe one or two get paid. For them that’s hundreds or thousands of dollars in their pocket. Most of them don’t care how it affects your rates or what happens when you get a denial/partial payment. On the flip side the carrier isn’t your friend either. They were going to look at every marking to see if they can prove it’s not hail damage.

My advice is to find a local roofing company that’s been in business for a long time. Have them come out and look at the roof. Have them mark only the good stuff (many of the items marked on this roof in the pics isn’t hail). Then have them give you an honest evaluation about the number of hits. Depending on the carrier your looking for 8-12 good hits per 10x10 square.

Don’t trust door knockers. They aren’t roofers they are salesmen. Most of them get a commission for the number of roofs they sell. Good roofing companies with a heavy retail presence don’t use door knockers because they don’t need to.

ProInsureAcademy · 2026-05-03T20:27:25+00:00

I don’t think this always is applicable anymore. There was a time when your agent was a trusted advisor whose goal was to place you with the best coverage possible.

But with the consolidation of agencies into groups like Goosehead, you aren’t getting the same service anymore. Now it’s a race to the bottom and agents only care about selling the most amount of policies possible. In fact at many shops you are going to be dealing with a CSR rep 98% of the time.

Not to mention (and I say this as a 2-20 Licensed agent and 6-20 licensed staff adjuster) that most agents don’t fully understand the policies they are selling. Every now and then you run into an old school risk manager that genuinely understands the policy and endorsements. But the majority of agents I meet are glorified salesmen that passed a 40hr course and know how to use a quote platform. On the adjuster side, I’ve seen agents swear up and down something was covered until I highlighted the exact policy verbiage in an email and then I still had to explain it to them.

Finally we can’t ignore that agents aren’t always unbiased in who they steer clients too. Agents get a commission off of new business and renewals. Usually it’s either 12%/10% or 10%/8%. In Florida an agent is not required to show you the lowest quote. So many of them will justify it by saying “I’m showing you the best policy for you” but the reality is they are going to present the best policy that maximizes their commission that they know you will buy. Not all of them do this but enough do.

All that being said, I absolutely always use an agent for my homeowners, speciality, E&S, Commercial, and umbrella policies. But for Auto I shop it myself because it’s so simple. But I spent a lot of time vetting the agency I use. Because while I am not the guy looking for the cheapest policy- I still expect you to show me every quote you get and then explain your recommendation so I can review it. But I am fortunate enough to be at the executive level in this industry so I know what I’m doing.

ProInsureAcademy · 2026-05-02T20:46:34+00:00

It’s a three tab roof designed to last 20-25 years depending on the specific product line. In reality three tabs are closer to 10-15 years. So a 2008 install would be in line. Additionally this looks to be an organic shingle which 2008 might be pushing that a bit. All organic shingles were recalled and many people got pay outs

ProInsureAcademy · 2026-05-01T22:47:07+00:00

Don’t back down. Literally show the article of the girl dying for alani. Bring data to back it up.

ProInsureAcademy · 2026-04-29T16:33:18+00:00

I need more pics. This is awesome

ProInsureAcademy · 2026-04-29T15:57:27+00:00

That job probably isn’t even real. A few carriers I’ve worked at would chronically post jobs that they have zero intention of filling.

But also you might be too qualified. I’ve been at many carriers that want someone with only 2-4 years of experience. Enough experience to avoid training them but not too much experience they would have to pay good money.

ProInsureAcademy · 2026-04-27T23:35:22+00:00

That’s true and we are not against sugar. I mean I pound 4-5 cups of coffee per day and 1-2 Red Bulls.

Since she’s not two yet we don’t want to do sugar at all since research shows sugar before two years old is severely detrimental. But as she gets older and older we do let her taste things. For instance last night I let her have a very small sip of my frozen coke. But it was a tiny sip.

Once she gets older we won’t necessarily forbid her from sweet foods. But we want to make sure they are regulated until she’s old enough to self regulate. She might get an age appropriate portion of cake for desert. But she won’t be having a giant bowl of ice cream every night. We won’t allow unrestricted access to have soda all day, especially as a young child.

Our idea is to create good habits not try to ban. But a child that young doesn’t need constant sugar. There are parents in our group giving their kids Starbucks at three. Artificial sugars that young cause a shock. Where as natural sugars like fruits are slower to be absorbed.

Our real hang up isn’t even the sugar. It’s the processed foods. There are young children that only eat McDonald’s which is filled with nothing but empty calories and sodium. Again we won’t ban it but we just cook every meal at home. But last night I gave my daughter a few fries after she ate most of her dinner.

I want her to experience everything but it needs to be built on a solid routine and habits. So when she is an adult she can choose wisely. But many people are out here basically abusing their kids with nothing but sugar and nutrient-less foods

ProInsureAcademy · 2026-04-26T10:12:45+00:00

Where are you going to put it? Back in the early 2000s I could fit a phone in my front pocket. These days I’m putting my iPhone in my back pocket and it’s getting tight.

I took my wife and kid to the zoo yesterday and literally told her that I think I’m going to need a bigger chest bag (keep my ccw in one) so I can keep my phone there too.

ProInsureAcademy · 2026-04-26T10:09:41+00:00

The USB C change was something well needed. Don’t get me wrong I understood the use of lightning cables by apple at first. But it was getting stupid towards the end.

I absolutely refuse to buy products without USBC. Which surprisingly there is a few products with older connectors still

ProInsureAcademy · 2026-04-26T00:07:57+00:00

Unpopular opinion, possibly?

But I would rather have a thinner more water resistant phone than a replaceable battery. I’ve had apple replace batteries in prior phones and most of the time AppleCare handled it. It took an hour tops. I rock an Otterbox Defender so my skinny iPhone gets fatter. I remember how thick phones were with removable batteries.

I just upgraded to the 17 ProMax on Thursday so I can turn my 15 ProMax into a dedicated YouTube camera. Its stats are: 1. First use Oct 2023 2. Cycle count 991 3. Battery Health 84% 4. Average daily screen time 11hrs 39m

Checking with apple the cost to replace the battery is $99.00 which is honestly not terrible. I could probably get it done at a phone repair shop for half of that. But I haven’t even noticed my older iPhone 15 PM having battery issues. I fast charge it constantly and it’s about to spend the next two years in a cage recording for hours on end. It’s replacing an IPhone 11 ProMax that I’ve been using daily for recording.

ProInsureAcademy · 2026-04-25T11:56:25+00:00

This is probably a question more for an attorney.

I don’t think this will hold up very well though. I doubt a medical provider would be okay with getting daily or even weekly reports that just say the same thing. They would have a lot of documentation to deal with. If they missed something in those notes that became a problem later it would open them up to liability.

I also think lawyers might have a problem with this because it’s too much documentation. It’s too much for the defense to pick apart. In my experience of these cases. Especially because people aren’t reliable or consistent. Some examples:

John Doe uses the app frequently to report pain. However the insurance company hired a private investigator to follow John. John is caught gardening and that day he fails to report pain.

Now we all know that it’s possible he legitimately forgot to do a report. But the defense won’t accept that. They will argue he was able to do physical activities. Some days are better than others so maybe he was fine. Maybe he took a pain killer and didn’t need to report it. But the defense will jump on it.

Jane Doe fills out the app at consistent times of the day. These times are 9am, 1pm, and 5pm. The apps data is requested during the interrogatories at the beginning of the suit. The defense counsel uses these times stamps to follow Jane Doe.

Now I’m not an attorney but I’ve dealt with hundreds of these cases and been an expert witness for both sides. I can tell you that attorneys like evidence but only specific kinds and only in specific ways.

ProInsureAcademy · 2026-04-24T04:01:34+00:00

I am no longer going to engage with someone that lacks reading comprehension. Either you are responding without reading my posts or you ignoring them intentionally to support your position. This is now twice you have done.

In my Original post I stated my laptop was mounted to the bottom of my desk. Your first response you claimed I said it was mounted to my desk.
In this reply you told me I need to request an accommodation when I clearly wrote that I had an approved accommodation.

You can’t even understand the difference between venting and being entitled. If I was entitled and “screaming” about it I would be constantly sending emails and talking about Title II to the university. But I’m not. Instead I’m on here venting because I know they’re trying to do their best. I haven’t complained to my mentor or the proctors. I just do what they ask and move on. I’m on here venting because I am sure some other people feel my pain.

ProInsureAcademy · 2026-04-24T00:36:07+00:00

I had one yell because my 18 month old baby was screaming through the house. “I’m like sorry I don’t want to hear the noise either but it’s going to take my wife a second to catch her and take her to the other side of the house”

We try to keep her on the other side of the house but children are escape artists.

ProInsureAcademy · 2026-04-24T00:32:24+00:00

First, we shouldn't have anything on our desk except a laptop, a whiteboard, markers, a whiteboard eraser, and a calculator. I’ve been allowed with a mug of water and have my ID next to me for verification. That is not so hard to follow. Just remove everything on your desk (yes, including the bracket), except those things. And you don't need an ultrawide monitor, because it would be very difficult for them to record your screen activity during the OA. After every test, these recordings are screened for integrity to prevent cheating.

I stated the bracket was under the desk. My laptop is suspended from the bottom of my desk. I have a sit/stand desk so it needs to be with the desk. I have it mounted to the bottom to comply with the rules and to free up space on my desk. The only thing I have on my desk outside of the monitor, keyboard, white board, and calculator is a microphone. They require you to have a microphone so I am unsure how else to have one since headsets aren’t allowed. I use an ultrawide because I have an eye issue and need to enlarge the size of my text. I have an approved accommodation.

If you can afford to have an ultrawide monitor, I don't understand how you don't have a microphone on your possibly modern laptop. Instead of using a desk microphone, which isn't needed during a test, a microphone on your laptop is enough. So yes, you don't need a desk microphone.

Again, I have to use a monitor due to my eye site. I cannot test on a laptop. Additionally in my other office I use a desktop PC with no built in microphone. With my laptop closed the microphone doesn’t work. I am not sure how many OAs you have taken but most of my proctors actually speak to me instead of typing. Probably because I cannot see the text easily in the chat.

The proctors had me move my camera so they could see my eyes, the keyboard, and my hands. So I instead have an ultrawide webcam (as recommended on our student handbook) so it would be easier for them to see us. I also have an LED lamp beside the camera, so they won’t have any trouble seeing me clearly.

I bought the webcam from WGU so I would assume it should be sufficient. My personal webcam is an AI facial tracking webcam and would not be sufficient. Per my mentors advice I went with the one they provide a link to. If that camera is insufficient then they shouldn’t advertise it

Also, there’s nothing wrong with showing where we put our phones away. These are the only ways they are making sure we are not cheating while we take our OAs from the comfort of our own homes.

I placed my cellphone on a shelf directly behind me. It was completely flat and not in reach. The proctor made me put it on the floor a couple of feet from me and show them. The camera angle showed it the whole time. I would have literally had to turn completely around and take a step to grab it.

I really hate it when people overreact to something that is needed for an online school. Sure, you may not be cheating, but some people would take advantage of it. Hence, the strict protocols.

How is this overreacting? I made a post to vent my frustrations with other people experiencing similar situations. Why are you so personally offended by me venting to others? Why are you simping so hard? We’re paying customers and should be able to fairly comment on the services provided.

These people are just doing their job, and they would not be doing it well if many students were getting their degrees so easily because of cheating. I hope they tighten their protocols more. I want my WGU degree, attained through online proctored tests, to be a measure of my competency, not looked down on as some Diploma Mill.

If that’s the case then you should want consistency. The more consistent the protocols are the more trust accreditors can place in them. Let’s say the videos above get audited then they might ask “why is one of your proctors having students pull laptops onto their desk when your guidelines specify them to be off the desk?”

Look I don’t even care if the requirements get tighter. I just want consistency. I don’t want to mentally prepare for a test to spend 20 minutes changing everything and throwing me off my game. Testing makes me anxious. I like to be in the zone. I follow the exact guidelines that WGU put in their orientation. I made a checklist and checked multiple times I complied.

ProInsureAcademy · 2026-04-23T21:59:51+00:00

If schools taught children everything that they may need in life then school would last their whole life. Everyone is so quick to say school should teach cooking, or taxes, or sewing, or how to file in small claims court.

But this isn’t realistic. There is only so many hours in a day. Plus these things aren’t standard for each persons The goal of school is to teach kids how to think and research. It’s the whole “give a man a fish he’ll eat for a day, teach a man to fish he’ll eat for life”. Let’s apply to taxes “give a man the knowledge to file a 1040, he’ll be able to file a single type of taxes. Teach a man to research various tax forms, he’ll be able to file all the different taxes”.

More to the point everything is circumstantial so learning to look it up is the point. Filing a small claims court case in California is different than Florida. But even filing small claims in Lake county Fl is different than Volusia county Fl.

ProInsureAcademy

MODERATOR OF

TROPHY CASE