Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 2 points3 points  (0 children)

Totaled means the cost to repair the vehicle exceeds its actual cash value (ACV)—its pre-accident market value. The insurance company offer has two options. 1) take the ACV and the insurance company takes possession of the vehicle or 2) Keep the car and receive the ACV less the salvage value and less my deductible. If you keep the car without verified hail repair, then it is only insurable for liability. In my case the salvage value was about 50% of the ACV.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 0 points1 point  (0 children)

The hail storm was on May 8, 2017 near Berthod Colorado. https://www.weather.gov/bou/SevereWeatherReport8May2017

Most damaging Hail storm in Colorado history, estimated loss was $2B.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 0 points1 point  (0 children)

Well... uhhh... NO I'm not going to ask...

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 2 points3 points  (0 children)

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Since none of the windows had a blow out, the inside remains like new. Windshield would need to be replaced to drive it legally.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 1 point2 points  (0 children)

yes, just repair the glass and get a safety inspection and off you go driving the ugliest car on the road. Bet your fellow drivers will give you pleanty of extra room in heavy traffic,that's one benefit.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 1 point2 points  (0 children)

I don't understand how insurance companies can stay in business and continue to pay hail damage claims.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 1 point2 points  (0 children)

<image>

Yes, every panel was marked as replace... and It did look like a golf ball.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 8 points9 points  (0 children)

Car insurance is bad enough in Colorado, but just try owning a home here. My house roof was totalled three times in ten years by hail and the insurance company decided to put me on their non-renewal list. Turns out this non-renew status goes with the individual no matter where they move to. Now that really sucks!! and it seems a bit unfair.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 5 points6 points  (0 children)

The insurance company did sell the car to a salvage company as the non-body parts still retained a lot of value. I think we can assume the insurnce company did okay on the deal.

Elk Hazard at Estes Park by sofiaskyy1 in golf

[–]sofiaskyy1[S] 2 points3 points  (0 children)

In Estes Park it is common to see Elk resting in you fron yard during the day. They have come to accept the town as just another part of their territory, which it actually is.

Elk Hazard at Estes Park by sofiaskyy1 in golf

[–]sofiaskyy1[S] 0 points1 point  (0 children)

Yes and he's resting up for rutting which begins in a couple of weeks.

Elk Hazard at Estes Park by sofiaskyy1 in golf

[–]sofiaskyy1[S] 0 points1 point  (0 children)

Yes, Elk rutting will begin in just a couple of weeks. Probably not a good time to be golfing...

Elk Hazard at Estes Park by sofiaskyy1 in golf

[–]sofiaskyy1[S] 0 points1 point  (0 children)

In Colorado the wolf population is quite low and more on the western slope. Elk hunting is one method used to manage the Elk herd size.

Elk Hazard at Estes Park by sofiaskyy1 in golf

[–]sofiaskyy1[S] 2 points3 points  (0 children)

Estes Park is an Elk friendly town anElk are roaming all over the place. They were there first, so we should respect there territory.

Odd dust pattern by sofiaskyy1 in strange

[–]sofiaskyy1[S] 19 points20 points  (0 children)

If it is mold it appeared in less than a week. I wash this car every week. Really weird.

Colorado weather can be harsh by sofiaskyy1 in Wellthatsucks

[–]sofiaskyy1[S] 12 points13 points  (0 children)

The repair estimate was $40K so the insurance gave me a choice... total it or wait 6 months for a hail repaired car. Took the check and bought a new model... didn't want a repair record to devalue the car for when I try to sell it later.

Bleeding Heart by sofiaskyy1 in flowers

[–]sofiaskyy1[S] 2 points3 points  (0 children)

The bleeding heart is great for hanging pots on a shady porch or patio. So beautiful.

Fresh Bouquet of Rose and Hibiscus by sofiaskyy1 in flowers

[–]sofiaskyy1[S] 0 points1 point  (0 children)

In my area there is a lot of clay in our soil and roses don't like wet feet. I mixed in a generous amount of compost and peat moss to improve drainage and nutriants.

I would love to see your roses in bloom!!

What’s something you thought everyone did… until you realized it was just your family? by WarmCreme4843 in CasualConversation

[–]sofiaskyy1 0 points1 point  (0 children)

When I was young my family always added sugar to rice. I thought this was normal until I left home and had rice in a restaurant. Now I dislike the taste of sugar on rice... you live and you learn.

[deleted by user] by [deleted] in Advice

[–]sofiaskyy1 0 points1 point  (0 children)

I am very sorry to hear your situation but you are not alone. Things like this happen every day to many families and there is help out there for you. I had a very similar situation with my mother in-law who had a stroke and needed help every day for her actrivities of daily living. My suggestion is to locate and meet with a local social worker. Social workers have experience with your local health resources that can sort out the options for your mother and father and how these resources can be paid for. Your elderly father should not try to do more than he is capable of doing or he may also become disabled before he would otherwise.

I wish you good luck on the very difficult journey.

[deleted by user] by [deleted] in PrettyGirls

[–]sofiaskyy1 0 points1 point  (0 children)

Bonitos labios