If the adjuster writes an estimate on the spot, do not agree to it just yet. It is in your best interest to get an independent estimate. What if the insurance company insists that you get multiple estimates? While one estimate is reasonable and necessary (and two may be a contractual condition of your policy), three estimates is a pain. If you dont want to get multiple estimates, check your state insurance laws. You may have the right to ask that the adjuster send an appraiser to work with your preferred repair shop to negotiate an acceptable settlement. Never, ever accept a check from your insurance company until you are confident that the repair shop you prefer can do the work for that amount. What if, after the adjuster and your repair shop have agreed on a price, your repair shop finds additional damage that was not included in that price? Call your adjuster and have him work it out with the repair shop. If your shop refuses to release your car until they have a second check from the insurance company for the additional work, ask to sign an authorization form (every reputable shop has them) that says you agree to let the insurance company pay the shop directly for the additional charge. If you still encounter problems, pay the difference with a credit card and work it out with your insurance company. Another common problem is when the insurer wont pay for new parts or OEM (original equipment manufacturer) parts. Sorry, but this is legal.
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( BKFS ) released its latest Home Price Index (HPI) report, based on April 2016 residential real estate transactions. The Black Knight HPI utilizes repeat sales data from the nation’s largest public records data set, as well as its market-leading, loan-level mortgage performance data, to produce one of the most complete and accurate measures of home prices available for both disclosure and non-disclosure states. Non-disclosure states do not include property sales price information as part of their publicly available county recorder data. Black Knight is able to obtain the sales price information for these states by combining and matching records across its unique data assets. View photo . Each month the Black Knight HPI reports five price levels (quintiles), along with REO discount rates, for 18,000+ U.S. ZIP codes. Findings are available with or without seasonal adjustments, although all numbers that follow have not been seasonally adjusted. For a more in-depth review of this month’s home price trends, including detailed looks at average home prices in the 20 largest states and 40 largest metros, pleasedownload the full Black Knight HPI Report at http://www.bkfs.com/CorporateInformation/NewsRoom/Pages/HPINow.aspx United States HPI: 1.6% To download the full Black Knight HPI Report, visit http://www.bkfs.com/CorporateInformation/NewsRoom/Pages/HPINow.aspx For more information about gaining access to Black Knight’s full HPI dataset for your business, please send an email to firstname.lastname@example.org . About the Black Knight Home Price Index The Black Knight HPI is one of the most complete and accurate measures of home prices available, providing essential micro-level valuation data by covering nearly 90 percent of U.S. residential properties at the ZIP-code level. The Black Knight HPI provides the most timely updates possible, without the disruptive volatility of frequent historical revisions, for ZIP codes, cities, counties, states, the nation and statistical areas as defined by the White House Office of Management and Budget. The Black Knight HPI utilizes repeat sales data from the nation’s largest public records data set as well as its market-leading loan-level mortgage performance data to capture home price data from both disclosure and non-disclosure states. Each month the Black Knight HPI reports five price levels (quintiles), along with REO discount rates for each of 18,000+ U.S. ZIP codes. This level of detail is provided for three property groupings in every ZIP code: i) all residential properties, ii) condominiums, and iii) single-family housing. Black Knight’s HPI is available with or without seasonal adjustments (numbers cited above are not seasonally-adjusted).
For the original version including any supplementary images or video, visit Black Knight Home Price Index Report: April Transactions — U.S. Home Prices Up 1.0 Percent for the Month; Up 5.4 Percent Year-Over-Year – Yahoo Finance
Tips And Tricks To Make Home Improvement Easier
Once you have decided to make home improvements, you may be thinking of what your room is going to look like. But, your first step should be creating a plan. These tips will help you realize your home improvement goals as painlessly as possible.
An over-the-range microwave is a great space saver for your kitchen. These units take the place of a range hood and are available at a variety of price points. Some even have features such as built-in convection cooking. These models use a recirculating filter, making them ideal for use at home or in settings outside professional kitchens.
A drill is perhaps the most important tool for any home improvement project. You can make holes and drive screws of any size. Aim to use a cordless drill that is battery-powered with 9 volts and drill bits that are 1/32 all the way up to 1/4. You also need attachments for driving Phillips and flat-head screws.
The next time you’re working on a home improvement project, be sure to find a good spot to store the debris that your work is generating. The removal of debris and waste can prove expensive, so a plan allows you to not only save money but also to make sure your project stays on track with respect to time.
Prior to making up your mind about any particular type of home renovation, visit a few open houses in the area. You will see the colors and styles and better understand how your house could look, more so than in the hardware store. A number of model homes actually hire decorators, so you can imitate what they’ve done and get a home that looks like it was decorated by a professional.
A specific goal and accurate planning is required to complete your home remodeling project. The tips you’ve read here will give you a good foundation when it comes to starting a home improvement project of your own. Careful planning helps your project be more successful.
Designed to provide customers with peace of mind, our holistic cyber coverage is backed by an experienced underwriting and claim team, superior service and the financial strength of an A+ (Superior) rated carrier. RLIs cyber liability coverage is available initially on an excess basis, with our RLI CyberProtect primary cyber liability policy coming soon. The coverage provides access to risk management tools and resources through NetDiligences eRiskHub, to help policyholders better understand cyber exposures, establish a breach response plan, and minimize the impact of a breach, should one occur. For more information, please visit http://www.rlicyber.com . ABOUT RLI RLI Corp. (NYSE: RLI) is a specialty insurer serving diverse, niche property, casualty and surety markets. The company provides deep underwriting expertise and superior service to commercial and personal lines customers nationwide. RLIs products are offered through its insurance subsidiaries RLI Insurance Company, Mt. Hawley Insurance Company and Contractors Bonding and Insurance Company. All of RLIs subsidiaries are rated A+ Superior by A.M. Best Company, a distinction held by fewer than 10 percent of property and casualty insurance companies in the U.S. RLI has paid and increased dividends for 41 consecutive years and delivered underwriting profits for 20 consecutive years.
For the original version including any supplementary images or video, visit RLI Executive Products Group Announces New Cyber Liability Insurance Product | Business Wire