Is this normal for home insurance?
I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?
The sprinkler lines are in my attic.
It is standard. I once had a toilet leak all downstairs and ruined the carpet, etc., They covered the damage, not the toilet!
Filed under Home Insurance by on Feb 1st, 2010. Comment. 
Do you need to have a Handicapped Placard for your car? Do you know how to obtain one? I have listed the five steps in obtaining a Handicapped Placard? If you need one for yourself a family member or friend, read on.
When you need a temporary Handicapped Placard follow the steps listed below:
(1) Go to the Department of Motor Vehicles ((DMV) or to your local AAA office if you are a member and obtain the appropriate form.
(2) Make an appointment with the appropriate doctor for your handicap. Example: Knee Pain – Orthopedic Doctor or maybe your Primary Doctor.
(3) Have the doctor fill out the form.
(4) Take the filled out form back to the DMV or your local AAA office.
(5) There is a small charge but you will immediately receive your Handicapped Placard.
You can obtain a temporary Handicapped Placard for as long as six months if your doctor approves. If you need another temporary Handicapped Placard start steps 1-5 about two weeks before the expiration date on your present placard.
This might seem like it is a complete run around on your part but if you need the Handicapped Placard this is the only way you will obtain it.
If you need a permanent Handicapped Placard follow steps 1-5.
With this placard you are entitled to any of the handicapped parking spots and it will cut your walking distance way down.
Thank you for reading my article. Please feel free to read any of my numerous other articles on various subjects.
Copyright Linda E. Meckler 2007
Linda is the author of her first published book, “Ghost Kids Trilogy. “Christy, 12 and her Brother Brad, 16 moves into an old house on top of a mountain and meet two Ghost Kids.
Then we have a mysterious, magical Blue Vase where Uncle Charlie the villain is trapped. He wants out of the Blue Vase and exchange he will tell Christy and Brad where PiratesÂ’ Treasure is Hidden.
Take a walk with Christy and Brad down a dark hall hunting for Pirates” Treasure. You will think were you there right there with them.
Love, Family Values and Charity burst off the pages. http://www.lmeckler.com
Check out my new 4 E books Titled:
How To Appeal Medical Bills
Appeal and Collections Letters for Medical Providers
Boost Your Self Esteem and Blossom
Computers Cause Pain on my website http://www.lmeckler.com/store
Check out my website http://www.lmeckler.com
Filed under auto insurance price quote by on Oct 5th, 2009. Comment.
If you do not already know, Florida is a no fault state. This means that there are some requirements that Florida might have that other states do not. If you are currently looking into getting insurance to cover your teen that just got their license, here are some things to keep in mind. Some of us have not had to purchase insurance in a while!
Florida Requirements:
- Your teen must have a learners permit before being able to obtain an official license. Not only do they have to get a learners license before, they have to carry it for a whole year.
- After you have your license and ready to drive, you need to get the following:
1. PIP coverage, also known as personal injury protection.
2. Bodily Injury Liability: $10,000.
( Note: you must always check with an insurance agent to see if there have been any changes).
Although the minimum requirement is not that much, if you were to be in an accident, you could find yourself in a compromising position. Being that you are insuring a young, inexperienced driver, it is especially important to make sure you have all your ducks in a row and covered on all fronts in case of an accident. We hope our children and ourselves will not ever have to experience an accident. Often, more times than not, a person will experience an accident or “fender bender”. This is a higher risk with teens. Numbers show that teens are at a much higher risk for causing accidents due to negligence. Distraction such as friends, phones, etc. are very prevalent amongst kids that age. Finding the right balance for your teenager’s auto insurance coverage and your wallet is sometimes a challenge.
It is recommended that along with the required insurance, you should carry: Uninsured motorist, Comprehensive, Collision, and Bodily Injury Liability. If you are making payments on a financed car, it is already a requirement that you must carry full coverage. Depending on the year and condition of your car, it might not make sense to carry collision or comprehensive insurances. Sometimes, book value for cars is much less than the deductible it would cost to get the car fixed. Or, in another instance, if your car were totaled, you would have put more into coverage than your car is even worth. Check the specifics on all the different options available.
Also, make sure you take advantage of the money savers stated before. Good grades and a safe vehicle are a good way to reduce a teenager’s auto insurance rate. As a policy holder yourself, you can look into multi-car discounts, insuring your home and car through the same company, if applicable and making sure you are getting appropriate discounts for the safety features in your car. Another common money saver that people tend to over look is AAA. Although AAA is not the only auto club; it is the most recognized. Sometimes clubs can save you money on an auto insurance policy just as they do for an amusement park ticket!
If you are wanting to check Florida car insurance prices go to my website, put in your zip code, choose one of the companies that come up, and fill out one of their forms. It’s free and cant hurt any, you might even save some money. Check it out here —> Click Here
Filed under auto insurance price quote by on Jul 15th, 2009. Comment.