Re: Pams lightning

Oh, man, that blows.  I'm so sorry.  
 
Eva
Long  Island, NY
Zone 6/7

Honor our dead.  Demand the  truth. _  http://www.afterdowningstreet.org/_ 
(http://www.afterdowningstreet.org/) 
What is the Downing Street Memo?_  
http://democracyforamerica.com/memo_movie.php_ (http://democracyforamerica.com/memo_movie.php) _  
www.downingstreetmemo.com_ (http://www.downingstreetmemo.com/) 

 
In a message dated 7/15/2005 11:53:50 A.M. Eastern Standard Time,  
gardenqueen@gmail.com writes:

thanks  Eva - I'll pass that along, but they were woefully
underinsured.   They're out of business, permanently.

On 7/15/05, EvaTEsq@aol.com  <EvaTEsq@aol.com> wrote:
> Oh Pam, I'm so sorry for your friends  & their loss.  They will be  in my
> thoughts and  prayers.  I hope they were properly (& fully)  insured for 
both  the
> value of the contents, inventory & had business   interruption loss coverage
> (ie, loss of profits during the period  after the  fire until business is 
resumed).
> 
> I have a  case where there was a bad fire at a commercial building and one  
 of
> the tenants (not my client) DID NOT fully insure his  inventory.  He  claims
> it was all worth well over a million  dollars, yet he was only  insured for
> $250,000 -- and that's all  he got for the contents.  He got a  little more 
from
> the  insurance company for business interruption loss (he had  that 
coverage  as
> well).
> 
> Your friends should retain a public  adjuster to represent them with the
> insurance company.  The  public adjuster, for a small percentage of the  
amount of
> money  eventually recovered from the insurance company, will examine   their
> business and value it as high as legitimately possible for  contents,  
inventory
> and business interruption loss (if they had  that coverage).  If  the 
insurance
> company decides to cover  the loss and pay out on the policy, the  insurance
> company will  lowball them for the value of that.  The public  adjuster  
would
> represent your friends and negotiate with the insurance  company  to get the
> insurance company to pay as much as  possible.
> 
> Eva
> Long  Island, NY
> Zone  6/7
> 
> Honor our dead.  Demand the  truth. _   http://www.afterdowningstreet.org/_
>  (http://www.afterdowningstreet.org/)
> What is the Downing Street  Memo?_
> http://democracyforamerica.com/memo_movie.php_  
(http://democracyforamerica.com/memo_movie.php) _
>  www.downingstreetmemo.com_ (http://www.downingstreetmemo.com/)
>  
> 
> In a message dated 7/14/2005 7:40:07 P.M. Eastern Standard  Time,
> gardenqueen@gmail.com writes:
> 
> Well I   thought about that too David.  I think they have them at   the
> house.  Usually wind and hail give more trouble around  here  than
> lightning.  And our electrical lines are above  ground also.   As far
> out as we are, I suppose I should be  grateful we have electricity  at
> all!   Went by there  again today, what a mess.  And the  insurance
> company is  being really nasty, calling for an investigation and  acting
> like  they torched the place.  They are not happy campers.    Sigh.

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