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Prepare for a Home Fire Emergency … Today!
Install smoke alarms on every level of your home, including the basement. For extra safety, install smoke alarms both inside and outside sleeping areas. Test your smoke alarms once a month and change...
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Emergency Supply Kit for Severe Weather
Assemble the following items to create kits for use at home, the office, at school and in your vehicle: Water—1 gallon per person, per day (3-day supply for evacuation and 2 week supply for home)...
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Your Denied or Underpaid Missouri Insurance Claim Can Be Reopened
Insurance adjusters hired by insurance companies will often deny legitimate home or business owner claims for property loss … or underpay them. The chances are great that you are, or know, someone...
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Superstorm Sandy and Property Damage Insurance
As is often the case following such damaging events as the recent storms in the Northeastern section of the United States from yesterday, hundreds of thousands of home and business owners will awaken...
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Before You Renew Your Insurance Policy … Read This!
Some people will carry insurance with the same company for years without ever having the need to file a claim … and then only at their greatest time of need, following a serious property loss, find...
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Aluminum Electrical Wiring
Between approximately 1965 and 1973, single-strand aluminum wiring was sometimes substituted for copper branch-circuit wiring in residential electrical systems due to the sudden escalating price of...
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Insurance Claims for Hail Damage
Hail damage to a roof is a common occurrence and damage is often and routinely repaired at the expense of insurance companies. For some insurance adjusters delaying, denying and defending a claim is...
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How Many Will Walk Away?
My client’s legitimate claim with his insurance company for property damage had been denied and so he contacted me. After my first contact with them, the insurance company offered a very small amount...
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Can My Inquiry to My Insurer Result in Higher Rates or Cancellation?
I recently read the following post on a professional message board that was published by an insurance agent: “We always tell clients that if they call their insurance company and make an...
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Missouri Occupancy Permits
In certain municipalities in Missouri, property damage that requires extensive repair will also require permits and inspections for the work. Prior to moving in to a new home, many areas will also...
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Your Property Loss Claim: “Age” and Depreciation
Most insurance policies will define the terms by which the insurer will calculate ACV (“actual cash value”) in determining how much to pay and, usually, the factor of “age” is not one of those...
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New Missouri Law Protects Seniors from Building and Remodeling Contractor Scams
The following is a recently enacted Missouri law that protects seniors from certain scams regarding contractors. Up until 8/28/12, a building or remodeling contractor could intentionally...
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Insurance Complaints- Have Complaints & Need to Voice them?
Reblogged from A QUEST for Public Adjusters Blog: Visit the site below and tell others what your experience has been. There are many people like you out there. http://www.insurancecomplaint.com/ Good...
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February home-maintenance checklist
Reblogged from MC2 Home Inspections Indianapolis Home Inspectors in Indianapolis Indiana: The transition between winter and spring is the time to get a jump on moisture damage and heat loss, make quick...
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What is a Missouri Public Adjuster?
Aside from attorneys, public adjusters licensed by the Missouri Department of Insurance are the only type of claims adjuster that can legally represent the rights of an insured during a first party...
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Missouri Home Owner’s Policy – Changes to Your Deductible
Many insured Missouri home owners are caught off-guard, at the time they file a claim and can afford it the least, when they discover that their “deductible” has increased to several thousands of...
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Producer Prices in January – Soft Prices, Except for Building Materials
Reblogged from Eye on Housing: The Bureau of Labor Statistics (BLS) released the Producer Price Indexes (PPI) for January. Energy prices continued their recent decline, the index for finished goods was...
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Effect of 15,000 Volts on Plywood (Video)
15,000 Volts from Melanie Hoff on Vimeo. www.publicadjustermissouri.com
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Report: Builder’s Defects Result in Manslaughter Charges
“An architect faces criminal manslaughter charges arising from the death of an LA firefighter who died attempting to control a blaze that engulfed the defendant architect’s multi-million dollar home....
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