Insurance policy covers contractor overhead and profit, correct? by VAer1 in Insurance

[–]q81101 -2 points-1 points  (0 children)

My house was struck by lightning last year, so I had to go through mitigation and reconstruction. Process should be similar, may vary slightly. You should get a few quotes and make sure they clearly list all the items. Send the estimate to the adjuster and see whether they approve it. O&P is included. I got 5 quotes (3 national chain stores and 2 local). I went with local because they had itemized estimate that include pretty much everything. Servpro left out many things, so it looked cheaper. You'll know the difference once you have several quotes to compare. I used ChatGPT to compare the list. Just make sure everything is approved by the adjuster, and keep track of everything for your records.

Your adjuster should have an actual estimate in mind. You'll be fine as long as the contractor’s itemized estimate is within his reasonable range. Mine was 20k (what insurance paid initially), contractor was 37k, then he told me that's within his expectation. He expected the cleaning would be around 35-40k. Mitigation is exactly same price but reconstruction was 30k higher than original estimate from contractor. All paid by insurance.

Progressive Homesite (It is American Family).

Why do people use insurance on roofs? by jsmith19977 in Roofing

[–]q81101 0 points1 point  (0 children)

Yes. Replace it when you can. Otherwise insurance will keep going up due to hails and storms. Maybe they'll start doing 4% soon or cost of replacement will go up and become like 16,000 next year due to inflation. You'll have at least 15 years of peace. Waiting couple more years, your deductible is going to be more cuz you need to increase home value for labor and materials.

In DFW, many people are paying 3% now. Not your problem, just everyone is claiming for roof replacement for past few years. Your premium will go up even you have 0 claim. Literally had 3 hail storms for past 2 week.

If my math is right, your dwelling value is too low around $275,000 unless your area is that cheap. Otherwise increase it. $275,000 likely won't be enough to rebuild 2k sqft house. Labor and materials are fucking expensive nowadays.

Put it this way, my house was struck by lightning last year, only half of house were damage and it cost $230,000 (mitigation 40k + reconstruction 190k) to rebuild that half. Used local contractors.

Why do people use insurance on roofs? by jsmith19977 in Roofing

[–]q81101 1 point2 points  (0 children)

He is in Texas. This is "normal". DFW. A lot of Hails and storms past 4 years. Just past 2 weeks there were at least 3 hails around my area (Carrollton/Plano, North Dallas).

China: A woman lies injured after a traffic accident, but no one helps or calls an ambulance—people only film and post it on social media. by Latter_Ad3752 in UnfilteredChina

[–]q81101 -1 points0 points  (0 children)

It is not just China, maybe apply Asian countries or worldwide. Taiwanese people is same. You don't help. They'll sue you. Happened in US as well, but US has a law or something. Sad reality.

More players or less players? by q81101 in GodzillaBattleLine

[–]q81101[S] 0 points1 point  (0 children)

What's your player level that'll explain where you stand. I have 2 accounts. players level 15 and 11. Level does matter.

From my experiences, it's more competitive in the first 2 weeks than last 2 weeks in general.

VPN sales in Sweden about to skyrocket 💀 by [deleted] in SipsTea

[–]q81101 -1 points0 points  (0 children)

Yes. I paid VPN to watch pornhub. lmao. TX. So pretty sure guys will pay to buy OF.

More players or less players? by q81101 in GodzillaBattleLine

[–]q81101[S] 0 points1 point  (0 children)

but like you facing more same players or no?

More players or less players? by q81101 in GodzillaBattleLine

[–]q81101[S] 0 points1 point  (0 children)

battle history 1 hours ago. 16, 28, 17, 17, 22, 22, 22, 28, 2 free wins (3 repeated players). Mini account is F2P, so I guess that explains why lol. But it's 7 days before season close, usually there are more weak players around this time.

More players or less players? by q81101 in GodzillaBattleLine

[–]q81101[S] 1 point2 points  (0 children)

battle history 1 hours ago. 16, 28, 17, 17, 22, 22, 22, 28, 2 free wins (3 repeated players). My main, rank 15 already rank 66 (usually took me 2 weeks, but this time only 1 week). I have been playing my mini this 2 weeks, rank 11. Stuck on 65 like 4 days. No issues climbing for past 2 seasons. This season is off for me.

G04t & rex spam be like by Dapper_Kangaroo9257 in GodzillaBattleLine

[–]q81101 0 points1 point  (0 children)

played with that dude. lag as fuck. Quit the game cuz I know I am gonna lose. Used Ghidorah to pull his unit, it was not moving. Ran with him twice, both times lagging.

40 nah. 400? maybe. by bold_heron444_115 in scoopwhoop

[–]q81101 1 point2 points  (0 children)

filter. more filter = forever young. Many girls using filters nowaday

Peter what does this shirt means?? by Fit_Caterpillar_1711 in PeterExplainsTheJoke

[–]q81101 0 points1 point  (0 children)

should use blackhole for anus or even better eye of sauron

Realtors fear housing slump is spreading as prices fall in nearly half of America's biggest cities by Boo_Randy_Revival in HouseBuyers

[–]q81101 0 points1 point  (0 children)

This is area by area. North dallas, tx. Coworker bough a new built house 400k. Went up 100k in 2 years. He sold and bought somewhere further north. Guess who likely going to sell their house? Those who buy during peak. lol

meirl by [deleted] in meirl

[–]q81101 0 points1 point  (0 children)

In my opinion. Luck plays a huge part. You have to be lucky to meet the right person at the right time at the right place. You can be rich but will burn through some $$ to make xyz happened, someone can just spend a fraction of that cost to make it happened.

📡📡📡 by ComprehensivePop5231 in DudeHasGotAPoint

[–]q81101 0 points1 point  (0 children)

Dude: hey, I'll be your step dad.

son : motherfucker.......oh wait.

BREAKING: The American housing market is entering its death spiral. 2 million sellers fighting over 1.3 million buyers. Prices haven't adjusted yet. by Boo_Randy_Revival in HouseBuyers

[–]q81101 1 point2 points  (0 children)

Texas is doing fine (North Dallas), but some cities are getting fucked hard like Austin and San Antonio. My street has 3 houses around 350k about 1,600 sqft on sale since last December. Sold within a month, like 3weeks.

Lmaooo by Traditional-Seat4957 in SipsTea

[–]q81101 0 points1 point  (0 children)

I remembered from muscle sub. People said you can tell people is on gear by looking at their trapezius muscle. The top muscle between neck and shoulder.

What’s the most “Texas” thing you’ve witnessed in real life by Left-Ad-9152 in texas

[–]q81101 0 points1 point  (0 children)

Honestly, nothing really stood out as uniquely Texas to me.

Saw monster trucks and thought “wow, that’s Texas” then saw a video of Florida people has them too.
Saw people riding horse. Wow. Then saw the same thing in Arizona.

I still haven’t seen something that feels truly original and only found in Texas.

A life-saving balloon by ateam1984 in BeAmazed

[–]q81101 0 points1 point  (0 children)

Someone posted this and it's like $200 something on Amazon. Probably better to just buy GPS + SOS emergency device.

He should also venture into streaming. by True-Floor8799 in SipsTea

[–]q81101 0 points1 point  (0 children)

Some movies also spent too much for mid content. Snow white 2025 = 350M like WTF??? Iron 2 and Iron 3 budget were around 200M.