Re: Pams lightning

Yeah, thanks.  I just hope we don't hear any horror stories out of
South Texas next week w/ Emily coming.  I emailed Noreen off list
since I heard there was flooding in Houston.  No response yet, but
sometime I don't hear from her for a few days if she's really swamped
w/ work and all.

On 7/15/05, EvaTEsq@aol.com <EvaTEsq@aol.com> wrote:
> 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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> 


-- 
Pam Evans
Kemp TX
zone 8A

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