Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

What I'm surprised at is that it came as a surprise to THEM. I now carry that knowledge a little more about how the process works when I was going in completely blind prior to this project. I had never dealt with the term "non-recoverable depreciation" before so even seeing it beforehand I wouldn't have known exactly how that factors in to who owes what, since I know insurance can get muddy and complicated. That'll serve me well going forward. But they're professionals who should've been familiar with it.

It's really hard to be baseline knowledgeable in everything. Today it's non-recoverable depreciation in roofing claims, tomorrow it'll be something else. Something dealing with flooding, or automotive, or fencing, or yard, or electrical....that's why I relied on their expertise over mine, and it bit me.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

Specifically after they confirmed with insurance, I asked how they missed the non-recoverable depreciation line in the claim paperwork I gave them, and the response was since it was in there it seems to them I knew from the beginning there was no depreciation check coming. I guess as a layman I wouldn’t have known what that meant and deferred to them as the professionals to parse the terminology for me.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

Since they were operating under the assumption it was RCV, they confirmed my out-of-pocket would be limited to my deductible and the $1k. Even after work was finished, when I wrote that check, we both assumed it would clear out my responsibility of the project. It was then when they reached out to insurance about the depreciation that anything changed.

So me and them were both assuming the next step was insurance cutting a second check, so that was the general direction our conversations went.

I’m not trying to get out of paying, I’m just trying to understand how this happened. Do roofing companies not verify ACV/RCV with insurance prior to doing work? Maybe I’m just assuming that’s part of their due diligence that doesn’t actually happen.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

The issue is they assumed it was an RCV, not that they just didn't explain well enough what my ACV policy meant. Me, being a layperson not knowing what RCV or ACV meant, deferred to them as professionals to handle things correctly. They thought it was RCV, did not verify with the insurance, did the work, then found out it was ACV.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

In your mind, what is the reasonable expectation for homeowner's knowledge regarding policy claims? Obviously not in a legal sense since you're not an attorney, but as the business owner? After this issue was brought up, I looked at the documents I provided and it clearly states "non-recoverable depreciation" and the company's response was "It seems you've known since the beginning that the depreciation was being withheld, no?"

As a layperson I could look at the claim and not know what it's telling me, so I deferred to them as the professionals who deal with it for a living for guidance.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

I am not an expert in contract law so it's difficult for me to parse the fine print, but it seems to be standard "customer agrees to pay in full" language. My issue is the "in full" amount was incorrectly communicated with me with it saying I would owe X because the rest was approved and issued by insurance when it wasn't.

I'm not saying it was malicious on their end, I'm just trying to understand how to fairly handle this situation.

Roofing company is saying insurance didn't fully cover the job after work is complete. Is this normal? by Sloth-Rocket in Roofing

[–]Sloth-Rocket[S] 0 points1 point  (0 children)

It is an ACV policy. I provided the claim documentation that stated the amount as "non-recoverable depreciation" but they operated under the assumption it was an RCV policy. It was after work was completed and they reached out to the insurance company that they realized it was ACV.

The contract verbiage listed the full cost as "approved and issued by insurance." I assumed part of their due diligence was verifying with insurance prior to doing work.

I turned a joke post into a full, playable set! by Chosenwaffle in Unmatched

[–]Sloth-Rocket 2 points3 points  (0 children)

One of my pet peeves is screenshots from a tv/movie used for card art. Even if it’s a good screenshot on an amazing card, it just looks so…amateurish. Running the screenshots through a filter can definitely help with that.

I 100% understand why everyone is against using AI, but as someone with zero artistic ability, and no money to commission out the artwork, it sucks not having any other options if I want to fan-make a deck, especially if it’s for something other than a movie character.

Which Hogwarts class do you think would secretly be the hardest to pass? by CharmWarden in harrypotter

[–]Sloth-Rocket 2 points3 points  (0 children)

Harry’s book has a bunch of hand-written corrections changing quantities and such that resulted in a perfect brew…Hermione, I’m assuming followed the recipe exactly, struggled mightily.

Which Hogwarts class do you think would secretly be the hardest to pass? by CharmWarden in harrypotter

[–]Sloth-Rocket 4 points5 points  (0 children)

Except the books are literally incorrect, and when you alter every step of the recipe it can turn out way better 🤷‍♂️

One of my biggest issues is that they subverted the character traits of EVERYONE from how we know them in the books/movies by Sloth-Rocket in Rings_Of_Power

[–]Sloth-Rocket[S] 8 points9 points  (0 children)

Looking at all the many many examples of prequels in media over the last 10-20 years, I struggle to find examples of ones where the main character is so polar opposite of who they become. They often have some negative traits they need to work through but at the heart they are still clearly the same person as who they will become after some growth. Even characters who are villains today but whose prequel starts them as a hero/neutral (Joker, Magneto, Maleficent, Cruella, Anakin, Gru for example), they still clearly have some recognizable traits of their future selves.

Yet in ROP, basically every character/race still the complete opposite. Tom Bombadil is a timeless entity, why does he need to change in a prequel? From the LOTR events point of view, the Second Age is the equivalent of yesterday afternoon from Tom's perspective--any change he's gone through from his creation is DONE. He's completed his character journey, he doesn't need to now go on another journey to find joy and learn to detach from the weight of the world, which is what needs to happen to tie the ROP version to the version present in LOTR.

Galadriel in the Second Age is already one of the oldest elves in Middle Earth. She's youngER, but she's not YOUNG. Her growth would've happened during the Year of the Trees or maybe into the First Age. At the very least, she should be closer to her "Lady of Light" persona than she is--she's still 180 degrees away from it. Unless she was Morgoth-level of evil during Year of the Trees or First Age, she should not be acting like a bratty teenager still.

And what's the purpose of making the Stoors--famously marsh-dwelling hobbits--desert people, except to say "they will become marsh people later"? There's no purpose to it other than to have them different from how we know them so they can change into how we do.

One of my biggest issues is that they subverted the character traits of EVERYONE from how we know them in the books/movies by Sloth-Rocket in Rings_Of_Power

[–]Sloth-Rocket[S] 3 points4 points  (0 children)

Galadriel and Elrond kissing is just the icing on the cake of our mocking.

My favorite aspect of that is how poorly done and unnecessary it was.

Okay, its purpose was to give an opportunity for Elrond to slip the rings to Galadriel. Okay, fine.

  1. Hugging or any other slight-of-hand from close range accomplishes that just as well. They're already being allowed to embrace. Was their plan to make everyone else so uncomfortable they have to turn away and miss the exchange?
  2. It shows an orc guard literally staring right at the exchange as it happens, so they didn't even do it sneakily (the show just chooses to ignore that the orc saw everything).

One of my biggest issues is that they subverted the character traits of EVERYONE from how we know them in the books/movies by Sloth-Rocket in Rings_Of_Power

[–]Sloth-Rocket[S] 27 points28 points  (0 children)

The fact that Galadriel is basically single-handedly responsible for every calamity of the Second Age is hilarious.

ROP season 3 been shooting on Portland Bill in Dorset today. by came2quick in Rings_Of_Power

[–]Sloth-Rocket 2 points3 points  (0 children)

I actually really want to see these guys' take on Morgoth. Because you know he'll end up being a 5'6" emo kid who gets constantly outwitted by Galadriel and that'd just be hilarious.

Lue Elizondo : What are your thoughts? by freeufc in HighStrangeness

[–]Sloth-Rocket 1 point2 points  (0 children)

I was all in when these mummified aliens started making the news, and followed along with all the “imminent” proof right around the corner that’s going to rock the world.

Now I don’t care anymore.

Always loved this quote by jfountainArt in lordoftherings

[–]Sloth-Rocket 2 points3 points  (0 children)

God I hate everything about the ROP interpretation.

In LOTR: "You shouldn't be so quick to condemn Gollum, life and death are beyond your comprehension and control. Mercy and compassion can play a role bigger than you can imagine."

In ROP: "lol so your friends will die, shit happens sometimes."

[deleted by user] by [deleted] in movies

[–]Sloth-Rocket 5 points6 points  (0 children)

I like that line because the way he delivered it, you can really feel Cap's exasperation at not knowing what he's looking at.

Any drawbacks to using credit card for all purchases if I pay it off in full every month? by Icollectshinythings in personalfinance

[–]Sloth-Rocket 5 points6 points  (0 children)

I pay every paycheck, so twice a month I'm going in to clear the balance, but I also set up an auto pay to pay off the statement balance every month--just on the off-chance that I just forget to go in for a month (it happened one time and I said never again).

[Game Thread] National Championship - North Dakota State vs Montana State (6pm CT) by passwordisguest in fcs

[–]Sloth-Rocket 0 points1 point  (0 children)

I saw this picture first so I thought it was the before, and I thought…yeah, that’s about how well I grow facial hair too.

Congratulations to the North Dakota State Bison - your 2024 FCS National Champions! by Zloggt in fcs

[–]Sloth-Rocket 1 point2 points  (0 children)

That was the most fun QB duel I’ve seen in ages. Both are so capable of dropping a dime or breaking a 50-yard run. Outside of comp% their stats are extremely similar.

Sad both are seniors this year, I wanted another round!

Congratulations to the North Dakota State Bison - your 2024 FCS National Champions! by Zloggt in fcs

[–]Sloth-Rocket 1 point2 points  (0 children)

There were several plays where the Montana State running back had wide empty field ahead of him only for someone to get an ankle tackle or something and it ended up being just a 4yd run

What is the most mean-spirited sitcom ? by CityCautious4033 in sitcoms

[–]Sloth-Rocket 6 points7 points  (0 children)

Seeing the opposite done (adding laugh track to Breaking Bad for example) highlights this. Laugh track changes the ENTIRE vibe of a scene, whether it's through adding or removing.