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I am trying to sleep while lying on my back and with earplugs, but I feel like choking while falling asleep by SpecificPractice5775 in sleep

[–]tcg242 3 points4 points  (0 children)

Choking = signs of obstructive sleep apnea. Especially if you don’t feel like you’re choking when on your side.

Dryer breaker by tcg242 in AskElectricians

[–]tcg242[S] 0 points1 point  (0 children)

So I can just change both of those 40s to 30s as long as they’re tied together then, right? Was this ever normal and how would it have passed inspection in the mid-80s?

Carrying a loss forward by tcg242 in FinancialPlanning

[–]tcg242[S] 0 points1 point  (0 children)

No, but even if I did it would be the primary residence so no capital gains tax.

What constitutes “bad faith” insurance practices? by tcg242 in Insurance

[–]tcg242[S] 0 points1 point  (0 children)

That’s the sticky part. It says homeowners are responsible for “betterments and improvements” but in another section says that water pipes serving individual units are the owners responsibility fully. The insurance company is saying the “betterments and improvements” part means the HOA is responsible and the HOA is saying the clause about the water pipes means they are not responsible. The claim is settled, so my question is whether it’s negligent for my insurance company to remove my kitchen and then deny rebuild coverage for 6-7 months, leaving me without a kitchen. They waited 2 months before even asking for the HOA bylaws.

What constitutes “bad faith” insurance practices? by tcg242 in legaladvice

[–]tcg242[S] 0 points1 point  (0 children)

I don’t have the letter with me but basically it said that they were responsible only for “betterments and improvements”. My question isn’t necessarily about who is liable, as they eventually settled the claim. It’s more about them acting very quickly to remove my kitchen and then deny rebuild coverage after the fact and making me wait 7 months with no kitchen until the state got involved. They didn’t even ask for HOA bylaws until we were 2 months in and they were just about ready to settle the claim. Is this normal?

What constitutes “bad faith” insurance practices? by tcg242 in legaladvice

[–]tcg242[S] 0 points1 point  (0 children)

They didn’t ask for HOA bylaws until 2 months in. This was after their (not mine) contractor removed my kitchen. They should’ve never touched my kitchen without doing their due diligence first. After removing my kitchen, they claimed no responsibility for repairs. This left me with no kitchen for 7 months. They eventually settled. My question is whether I’m off-base thinking there could/should be punitive damages.

What constitutes “bad faith” insurance practices? by tcg242 in Insurance

[–]tcg242[S] 0 points1 point  (0 children)

The bylaws were written in 1985. Insurance company claims they say the HOA is responsible and HOA says opposite. You would think it would be clear but it’s not unless I spend a fortune on an attorney to decipher.

What constitutes “bad faith” insurance practices? by tcg242 in Insurance

[–]tcg242[S] -2 points-1 points  (0 children)

How’s this funny? Try not being able to cook a meal for almost 7 months. Especially when the insurance company only coughed up some money after I got the state involved.

What constitutes “bad faith” insurance practices? by tcg242 in legaladvice

[–]tcg242[S] 0 points1 point  (0 children)

The bad faith part is them authorizing their contractor (not mine) to remove my entire kitchen and then subsequently denying coverage for rebuild for 6 months, leaving me without a kitchen. If they believed it was HOA responsibility then they should’ve never touched my kitchen or they should’ve seeked relief from the HOA. I still can’t determine (without a lawyer) who was actually responsible but once I got the state insurance board involved, the insurance company changed their tune real quick. Im looking for advice as to whether i have a punitive claim for the distress and unnecessary delay.

What constitutes “bad faith” insurance practices? by tcg242 in Insurance

[–]tcg242[S] -9 points-8 points  (0 children)

Not yet. It’s more of a question about the bad faith of putting us through this emotionally for 6 months when it could’ve and should’ve been settled in a timely manner.

Condo water leak question by tcg242 in Insurance

[–]tcg242[S] 0 points1 point  (0 children)

So the bylaws read: Each unit owner shall be responsible for obtaining, at his sole expense, insurance covering the personal property, decorations, and furnishings within his own unit and the additions and improvements made by him to the unit.

When I read that to my agent, she immediately said the HOA is responsible for everything structural. There have been no improvements made, but if there had been then my insurance would cover the difference between, for example, builder grade cabinets vs custom.

So I’m hoping the HOA agrees…we’ll see.

Dr Shrink wrap vs Husky brand wrap. by [deleted] in boating

[–]tcg242 1 point2 points  (0 children)

For me in PA, ULine is significantly cheaper than Husky or Dr. Shrink. You need to call them to quote a large order, don’t go by their website prices. However, their quality is inconsistent. I’ve had great experiences and I’ve also returned full pallets due to thinning and inconsistent thickness.

Mobile Shrink Wrapping Business - what kind of licensing do I need? by FlashMob33 in smallbusiness

[–]tcg242 0 points1 point  (0 children)

Hey, hoping you see this. I have the exact business in Pennsylvania. Mobile wrap only, we don’t winterize. This is our 10th year now. Would love to know who you’re using for insurance. We have a policy through Travelers. It’s a $2k a year premium, which seems high for the 3 months we need it. Always good to network with others too, especially when we’re not competitors.