Insurance to Cover Insurance

Yes it has come to this. Customers who honorably pay their inflated insurance premiums dutifully and on time have to wonder what games their insurance company will play to deny or reduce their claim should the time arise that they ever need to file a claim. This insurance lunacy runs the gambit of all insurance arenas including auto, health, life, and property and has customers so scared of being denied or canceled when they file a legitimate and contractually obligated claim that people who have acute chest pains, for example, refuse to get checked out as they do not want to pay the bill and they are deathly afraid of a negative result getting back to their insurance carrier as either their premiums would increase dramatically or they will be canceled. Enough is enough.

It is not fair that a consumer who pays on time and in good faith is subjected to such demeaning and bad faith practices by the company the consumer specifically contracted to offset perceived and potential risk. It is not fair that the insurance company immediately takes an adversarial and intimidating stance any time any of its customers files a claim as the insurance company tortuously and unconstitutionally convicts the customer of filing a fraudulent claim without probable cause or evidence and mandates that the burden of proof of innocence is on the consumer. It is not fair that the insurance company adjustor is working against the interest of the customer while acting like the customer's best friend. It is not fair that the adjustor will savagely and sadistically employ psychological warfare against the in-duress customer in order to trap the customer in to making statements that will be leveraged to reduce or deny the claim. It is not fair that all regulatory bodies consider such unethical consumer abusing and bad faith practices as legitimate and fair practices. It is truly not fair that a consumer who employs the same bad faith tactics against the insurance company is guilty of insurance fraud but there are no penalties or consideration for the reverse injustice herein coined as "consumer fraud". No, consumer fraud is BIG business and the insurance companies are well leveraged to protect themselves from any potential liability for their bad faith policies and procedures.

While the concept of insurance to cover insurance is enticing, alas, it is unreasonable. Any risk assessment professional would cower at the prospect of insuring that the insurance company lives up to its contractually obligated policy. The risk assessment professional would know that despite the insurance company parking its Lamborghini outside the governmental assistance office and changing into its designer "poor" clothes before crying poverty, the insurance company is flush with cash and has spent a considerable amount to protect its "good neighbor" image. The costs and time associated with having to mitigate of all the insurance company's lies, deception, manipulation, and bad faith legalese make the concept of insurance to cover insurance a losing proposition.

As destitute as it sounds... there is HOPE. A professional independent water damage restoration company will have the resources and experience required to restore the customer's water damaged asset to its preloss condition by using a restoration company that is customer focused and will do everything it takes to satisfy the customer - not the lap dog of the insurance adjustor whose only ambition is to get a bone from the adjuster.

It's your money.
It's your choice.
Choose Wisely
Choose a customer focused, independent emergency restoration company.

This article is composed by and offered as a public service by Jimmy K.
Jimmy K is the Independent Owner and Operator of Emergency Response Restoration
( http://www.emergencyresponserestoration.com/ ),
2665 N Atlantic Avenue, Daytona Beach, FL 32118.
Jimmy K is a true consumer advocate who is not afraid to battle the insurance company to ensure the proper restoration of the consumer's water damaged home office or asset.

http://EzineArticles.com/6167804

Keeping Children Safe During Floods

Floods are a danger to everyone, but even more so for children. Children are unaware of the hazards present in a flood so extra care needs to be taken to protect them from harm. Flood water is contaminated with varieties of different bacteria's which can spread harmful diseases, as well as the fact that they are at an increased risk of drowning.

Precautionary measures must always be taken in preparation for a flood. A flood survival kit will need to be compiled along with a flood plan, supplies of food and water kept in reserve and knowing how to turn off all mains supplies (gas, electricity and water). Being prepared gives you the best possible chance of survival during and after a flood.

During a flood it is likely that your water supply will become contaminated, it is therefore suggested that you keep a portable gas stove in your flood survival kit for boiling water because when you boil water it kills off any harmful bacteria residing in it. The same applies for water supplied from a bowser, bacteria can build up on the inside of the tanker depending on how often and when exactly it was last cleaned. This is especially important when you have infants feeding on formula. Precautions should always be taken by keeping a clean supply of bottled water for drinking and washing.

When heating water from a bowser for an infant's feed there are few measures that you will need to adhere to. First of all you will need to heat the water until it boils; boiling signifies that the water has reached a temperature where it is now safe to consume. When allowing the water cool, it should be kept inside a clean, sealable container to prevent cross-contamination and should be left for no longer than thirty minutes. Following this, the water should be added to the formula as usual. This should ensure the safety of your child's feed but it would be better to use bottled water if you are unsure. Another option is to keep a supply of pre-prepared formula milk which is used as an alternative to powdered milk. If you do not have the facilities to boil water, ensure that you keep a fresh supply of spring water (bottled water usually contain high levels of sodium, check the labels to make sure they have a level lower than 200). This can be used for formulas but must be given to the child as soon as it has been prepared. If you are unsure of your water supply, it is generally a good idea to contact your supplier for their advice.

Hygiene is extremely important at this stage. As most parents will know, children have a habit of putting things in their mouths. Keeping an eye on them to make sure that this doesn't happen and you will also need to make sure that they wash their hands on a regular basis, especially before meals. If you do not have a supply of water, supplies of baby/cleansing wipes are good alternatives.

Once you return to your home following a flood, you must still be vigilant of dangers. It is probably best to keep your child(ren) at another location until the clean-up process has been completed. The most obvious danger you will face is contamination, everything that has come into contact with flood water will have to be disinfected and sanitised. This will involve cleaning clothes, fabrics and toys which have come into contain with the water, sanitising all surfaces and cupboards as well as walls and doors. Other potential hazards include nails sticking out, raised flood boards and broken tiles. It is a good idea to clean down any pavements and grass, allowing it to return to normal, garages and cellars will also need to be allowed time to be fully ventilated before children enter them.

If at any point during or after a flood your child starts to exhibit symptoms like diarrhoea or sickness, you must contact your doctor or the emergency services immediately. Children's immune systems are not as strong as fully grown adults, so extra care must be taken during these times.

Post-flood clean ups can cause increased amounts of stress, to help aid this process it is best to ensure that you have the adequate flooding insurance. For those who live within an area considered to be at a high risk of flooding, it may be difficult obtaining home insurance, but there are some insurance providers willing to provide cover to those who need it regardless of their situation.

House flood insurance is often difficult to obtain to standard insurers, however there are specialist companies that will cover those with specific requirements, such as living in flood affected areas.

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When Should I Consider Purchasing Flood Insurance?

If you have ever considered purchasing flood insurance, than you know that a policy will not take effect until thirty days after you enroll. This is designed to encourage people to get coverage well before seasons where inclement weather is more likely, and it's also a means to prevent insurance fraud. Therefore, if you wish to get a flood insurance policy on your home, the short answer is well before the rainy or hurricane season in your area. As for why you should have this insurance, there are many reasons to take into consideration.

1) Flood insurance is applicable regardless of where you live.

You might that, because you live inland and in an area not susceptible to hurricanes, that you are relatively safe from flooding. In truth, every home carries the same risk, no matter if you're perched along the coast or on a plain. Flash floods are aptly named because they can happen without warning, and a particularly active flood with waters up to 10-20 can carry away a car easily. Imagine what those powerful waters can do to your home!

Given recently activity in Tennessee, Missouri, and other parts of the country, you know that flooding doesn't discriminate. A sound policy will prove valuable and essential in the event of a flooding emergency.

2) Flood insurance is more affordable than the alternative.

Consider this: you may pay only a few hundred dollars a year in flood insurance depending on your home, location, and risk. When you realize that a federal assistance loan taken following a natural disaster could cost you thousands and take several years to pay off, don't you think it's more economical to have the right insurance policy in hand?

3) Some flood insurance policies help you recover more quickly.

Unlike other types of insurance, some flood policies allow you to take a partial payment after the fact, which gives you the advantage in terms of recovering your property. If you've had to deal with certain insurance companies before, you may have waited for weeks and even months for compensation. Here, you can plan to set things right while you wait for the rest of your payment.

4) Having the policy gives you peace of mind.

If you already have policies against theft, fire, and other natural disasters, why not have one that covers you in the event of rain and flood damage? Even one inch of heavy rain is capable of causing structural damage to your home, so it's best to cover all the bases.

Consider enrolling now for flood insurance through a reputable company. The sooner you have the policy in hand, the safer you will feel.

Kathryn Lively is a freelance writer specializing in articles on Norfolk flood insurance and Virginia Beach insurance.

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