Does anyone know anywhere ican get my car fixed and pay installments? |
| i want to get my car on the road but do not have enough funds to pay for it in one go so i was wondering if anybody knew if anywhere would take installments.i know its a long shot but you dont know ... |
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Will insurance cover a pre-existing medical condition? |
| I have a friend that is out of work and has no medical insurance. Recently, during her annual checkup with her OBGYN, they noticed some cancerous cells in her ovaries that may or may not require ... |
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I want to cancel my direct debit from bank for insurance of car? |
| I want to cancel my direct from bank for insurance of car.i can do it esaily if i go and ask to bank they will do it..but my main question is after cancelation of my direct..what problems i am ... |
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What is the best car insurance company for a 23 yr old female who has never had her own policy? |
| Hello, I am a 23 yr old female, and have never had my own car insurance policy. My car is paid off, but still in my mom's name, with my name on there as well. I have been trying to get my own ... |
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Cheapest home insurers in the UK? |
| I am renting a place in Central London with 2 other guys, wondered how much insurance would be? and what's the best ... |
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Someone help us, my boyfriends home burnt down about 3 weeks ago and it was a total loss, the insurnce people |
| said they dont know how it started, my boyfriend was at my house.so he does not no what happened, you cant get any one with the ins co to call us ... |
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Medical insurance? |
| my husband's job of 19 years has closed and the insurance he had with the company has days left to be active' my question is we both need to go to the doc because we feel there may be some ... |
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What are you supposed to do when your kids have no health insurance? |
| I just got married in February and although we have been together a long time DSHS never took my "boyfriends" income into consideration, so my kids had insurance through the state of W... |
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Insurance agent? |
| A friend of mine is planning on becoming an insurance agent, he is trying to decide whether he should represent just one insurance company, or several companies. Can you help me think of some of the ... |
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Do I need insurance for my $2000 engagement ring? |
| I just bought an engagement ring and was wondering if I need to insure it? The place I bought it will back up any damage that is had to the ring. I don't really feel like paying a monthly fee ... |
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Which is a reputable life insurance company to get whole life insurance without a physical exam.? |
| Can you name a few companies where I can take out a life insurance policy against myself, my husband without take a lenthly physical exam.... |
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Term Life insurance? |
| If I choose to get a term life insurance policy for say...20 years..and I die before those years are up, will my beneficeries be able to get the money-or will I just have paid that money for nothing? ... |
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Do I need to pay this medical bill if I suppose to be 100% covered inside a network hospital? |
| I rushed to emergency room and be admitted inpatient. My family called the insurance company and got approval right next morning. The hospital is inside network and service over there will be fully ... |
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What to do if i have a life insurance policy that is matured? |
| the insurance co is american family life assurance company out of georgia . i dont know what to do with it can i cash it in.... |
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I was in the emergency room and now i need a way to pay off the bill; what do i do? |
| I'm a college student without a job. I'm on my parents insurance but it doesn't cover all of the bill. Is there anything that I could do to get assistance? The hospital is Blanchard V... |
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C M | I need a database for estimating costs of personal property items (like clothing) for insurance claim.? |
I don't want to look up each individual item on the Internet--it is too time consuming. What do insurance adjusters use to determine value? Or public adjusters? sweaters, shirts, skirts, vintage clothes, coats, designers who are now gone from the scene, how can I find out the value? Additional Details Adjusters must have access to a variety of databases and bluebook type indexes. Where can the homeowner access these? |
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Ted
 |
They have the book, I m not sure what it's called but it's more like a blue book. I don't think they go by each small items. they just assumed the number of items and go from there.
Try local library or search for insurance adjuster book or database, u might find something. |
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g92501
|
Quicken home and business. Also turbo tax has an add on called "It's Deductible" which is great for estimating values for deduction purposes. |
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Paulette
 |
Estimation and good luck. |
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de bossy one
 |
try some collector books from the library. other than doing a detailed search, you won't find a program which will determine value for you. it's far to complex and the collector market is to differentiated to be able to design any database. values are determined by what someone will pay for the item(s), though previous sales will be a guideline. most dealers will overprice things just to get what they think the real value is. sorry i can't tell you more. |
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larsgirl
 |
you know.. we had a huge loss... I was luck and had videoed all our contents.. clothes and everything.. (Ins.Industry for 20+ yrs.) occasionally showed a mfg label for the cam corder.. I had nice clothes, pendleton blankets, etc...
So when the big one hit.. I went to the local Macy's. my tape....my agent had one, the duplicate was in the safe deposit box.. both dated and initialed y me and my agent (always a good idea. got out my cam corder and told the sales person that I needed prices on everything. They were happy.. commission, ya know... lol
I picked Macy's, because they could handle the kitchen stuff. then I did the same thing in the cosmetics dept... etc.... grocery store.. talked to the store manager, explained the situation and snagged a helpful young man and we get the pricing on everything.. Macy's put everything on excel for me.. ut then, commission, ya know.. lol
the groceries were the only thing I had to put on myself. the furniture store was happy do to a spread sheet on excel
Merge, merge.. TADA
copy to the adjuster.... they started out that they weren't compatible with excel..... I asked them if they wanted to buy it, or reimburse me for my time.. they got compatible. make 2 columns. you're entitled to new for old, with a paid receipt.
if the dress at Macy's isn't available anymore, then should find like kind and quality.... that's the price. the same thing for cosmetics. If they have upgraded their mascara.. it's yours.
Put it on a credit card at the beginning of your billing cycle, or the Ins Company is on the hook for your interest... they can issue payments in increments.. they can't expect you to purchase everything at once. on your excel sheet, leave column A as a small box so you can put a a date in it / date submitted / date ck rec'd adjusters are fallible just like everyone else. you'll be making a copy of the excel sheets every time you submit a purchased list of items. It helps when you have a friend that likes to shop. or get a personal shopper for the clothes.
We had that nasty mold.. so even our furniture went.... what a mess... if you have anymore problems let me know.. sastolz2000@yahoo.com
DO NOT LET ANYONE TELL YOU THAT YOU ARE GOING TO GET DEPRECIATED VALUE FOR ANYTHING.
IF YOU HAVE REPLACEMENT COVERAGE ON YOUR HO.. THEN YOU GET REPLACEMENT COST.... NEW FOR OLD AS SOON AS YOU BUY IT.
EVEN IF YOU PURCHASE NEW FURNITURE... 8 YEAR OLD TV.. IF IT WAS A TOP OF THE LINE SONY THEN, YOU ARE ENTITLED TO THE SAME TOP OF THE LINE NOW. |
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mbrcatz
 |
Adjusters have a little flyer, with the depreciation amounts for common items. It's cost new, less depreciation. Example: Clothing. Most clothing is fully depreciated by the time it's 3 years old. So, you have a dress. Estimated cost new, $80. It's four years old. Depreciated value: $0. Thrift store value - shirts, $2, skirts, $3, sweaters, $5 if they're cashmere, etc, is the best you're going to hope for for "vintage" clothing.
There isn't a database for this. If this is for YOUR claim, you're going to have to do the legwork if you want to claim it. Adjusters see hundreds of claims a week, after six months or so, they don't even look at the flyer any more, as they've seen thousands of items. If there's something that they think you're valuing too highly (Bunny Slippers, $50), they will likely ask you for proof for that item. |
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Nate W
|
I refer all of my Home Owner customers to this website. It's a free home inventory program. I think this is what you are looking for.
http://www.knowyourstuff.org |
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