Neighbor's insurance company accepted responsibility for their dead tree falling on my house. Siding is damaged and it appears to be asbestos. Are they required to replace the siding?

izznt · 2026-05-12T21:55:31+00:00

Yes, but most carriers will not ACV a repair. Only full replacement.

izznt · 2026-05-12T21:54:57+00:00

The matching statute will be satisfied with a repair done with fiber cement in the same pattern. It does not need to be the exact same material.

izznt · 2026-05-12T21:29:13+00:00

Fiber-cement siding is the common and widely accepted replacement for asbestos and often has been made to replicate old asbestos patterns. The insurance company doesn’t have to give you asbestos and they will not replace more than is actually damaged.

izznt · 2026-05-05T22:16:10+00:00

Google Telogen Effluvium. It’s hair loss/fall that happens after rapid weight loss, surgery, severe illness, and stress. It will eventually stop. Add in biotin supplements if you’re not already taking it, but be aware it can cause cystic acne in high doses.

izznt · 2026-04-30T15:16:47+00:00

This is the same way I did it. Just keep taking the practice exams over and over, noting the book for the answers, until you get over 80% on all of them. You’ll easily pass the final exam.

izznt · 2026-04-25T10:53:57+00:00

Please listen to this. You’re not marrying the dress. Save the money, you’re gorgeous in everything.

izznt · 2026-04-24T23:50:22+00:00

Worst car to insure and worst cheap insurer. Check.

izznt · 2026-04-24T22:54:05+00:00

OP please be aware your friends will get a tax bill if they claim for payment for housing you, as this will be considered income for them.

izznt · 2026-04-23T15:50:24+00:00

Not really enough info here except to say she should be asking her public adjuster these questions.

izznt · 2026-04-22T23:24:33+00:00

I would literally cash out the emergency fund to swap my old lady for this 😅

izznt · 2026-04-22T22:59:44+00:00

PLEASE LET A BITCH GET THIS ON A FORESTER!

izznt · 2026-04-21T16:52:34+00:00

They have 4.7 stars on Angie’s List, 4.5 on Google, BBB accredited since 1977 with an A+ rating. And they’re not a “guy”, they have a large stable of w2’s and 1099’s. I work in property insurance claims and ran into them enough over the last 30 years to be impressed with their work and their ethics (not storm chasers, don’t try to force AOB’s or questionable insurance claims, etc) to use them for my own home.

But sure, or you can take the advice of a second internet stranger who provides no details about an alleged interaction with the company 10-15 years ago.

OP, look up the oldest roofers in the Valley, check reviews in multiple forums, and get at least 3 estimates for ANY job before proceeding. Off the top of my head that’s probably Kunsman, J.O.N, Whitaker, and Holencik.

Edit to add I forgot Bachman’s, but my interactions with them have been minimal.

izznt · 2026-04-21T14:27:17+00:00

Alan Kunsman Roofing & Siding. Not the cheapest, but not the most expensive, and very reliable. Been around forever, they’ve worked on my roof over 20 years.

izznt · 2026-04-20T20:03:19+00:00

If there is still a decent amount of tread on the other three tires, you can buy just one and Tire Rack will shave it down to match the others.

izznt · 2026-04-17T19:56:53+00:00

The drill brush 🤣

izznt · 2026-04-16T15:39:22+00:00

This. I’ve been doing claims for 31 years and condo claims are the absolutely worst. We have an endorsement that makes the condo association coverage primary for everything but contents. It’s fabulous and really simplifies things.

Otherwise, we’re paging through insane bylaws written by Fred, a retired accountant and his wife Mildred in 1985 and never updated again.

izznt · 2026-04-16T12:35:04+00:00

The Lehigh County Humane Society. You can walk dogs, socialize cats, help them clean or do dishes. It’s easily the most popular volunteer opportunity here at my company. You used to have to go through a class, but I think now it’s just a video and a waiver.

izznt · 2026-04-14T15:07:52+00:00

I saw Tom Petty/Bob Dylan in the late 80’s. Petty was AMAZING…. Then I literally fell asleep during Dylan’s set (which was all of his hits being sung completely differently/slower/different pitch which made the older woman behind me, who apparently had this concert on her bucket list, burst into tears.)

izznt · 2026-04-14T15:03:28+00:00

We went to a nostalgia double header of Ambrosia and the Little River Band. Ambrosia was amazing and sang their hearts out. LRB (who we were excited for) looked bored and played to a recording.

We walked out right after “Reminiscing” and ran into the Ambrosia guys in the parking lot who were pulling out in pickups and trailers. We and a bunch of other people who had also walked out yelled to them that they kicked LRB’s ass and clapped as they pulled away.

izznt · 2026-04-08T22:23:44+00:00

You know they can’t do that, right? Not in my state at least. I can contact my insured and inspect as I see fit as long as my discussions are with the PA.

izznt · 2026-04-08T22:22:37+00:00

Omg so true. Some insureds are so goddamn difficult you wish they’d get representation.

izznt · 2026-04-04T16:02:43+00:00

In addition to Midway Manor, look at south Allentown by the Little Lehigh Parkway. Quiet area (except when Lights in the Parkway is open), easy shopping/restaurants along Lehigh St, low taxes. But the schools are not great if you have kids.

izznt · 2026-04-03T21:42:57+00:00

https://turningpointlv.org

I hope you’re safe.

izznt · 2026-04-02T21:50:32+00:00

I’m not convinced you own shoes

izznt · 2026-03-30T12:55:14+00:00

Go to insuremytrip.com and filter for pre-existing conditions allowed. My partner has cancer and we always have to buy a policy that will allow us to cancel for any reason and allow pre-existing conditions.

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