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Insurance Claim Disputes: Make THEM Pay to Even the Odds

Insurance Claim Disputes:  Make THEM Pay to Even the Odds

Earlier this week, I had an issue with my smart phone and went to the nearest authorized dealer for repair. Although I did not need a new phone, I asked some questions about my insurance policy. I quickly did the math and realized that I had paid over $400 in insurance payments on this particular phone, and if I needed to make an insurance claim for a replacement, I would be required to pay an additional $100 deductible. That’s over $500 for a phone that only probably costs them $100. Not only would I be paying 5 times the costs of the replacement, I would also be receiving a refurbished phone, not a new one.  Read the rest of this entry

Drying Your Clothes = Fire?!

Part I

Clothes dryers evaporate the water from wet clothing by blowing hot air past them while they tumble inside a spinning drum. Heat is provided by an electrical heating element or gas burner. Some heavy garment loads can contain more than a gallon of water which, during the drying process, will become airborne water vapor and leave the dryer and home through an exhaust duct (more commonly known as a dryer vent). Read the rest of this entry