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If there is anything on your property that is partially damaged, the Line of Sight rule will come into play during the insurance claim process. “Line of sight” or “clear line of sight” is a standard applicable to most property losses. The standard is used in conjunction with “a reasonably uniform surface”.

California insurance code Section 2695.9(a)(2) states:
When a loss requires replacement of items and the replaced items do
not match in quality, color or size, the insurer shall replace all items in
the damaged area so as to conform to a reasonably uniform appearance

Following an insured loss, the insurer is required to repair an item so the completed result will be a reasonably identical appearance or surface. If the end result is not uniform or deviates from the original appearance, the insurer is required to replace the item.

An easy example is damage to one wall in a room. The insurance adjuster, in our experience, always paints all four walls under the clear line of sight principle—if only one wall is painted, it will deviate in color from the other three walls.

Even if an adjuster could convince the homeowner that today’s computer color matching can be matched perfectly, the completed wall will most likely wear differently than the other three walls. Over time, the freshly painted wall will match less and less to the other walls. One does not need to settle for a “momentary” uniform surface.

Repairs typically associated with the clear line of sight rule are:

  • Carpet
  • Paint
  • Wood floors
  • Tile
  • Doors
  • Windows
  • Trim, molding
  • Roofing

Another example is broken tile. Some homeowners maintain extra tiles in case of loss and offer the tile to maintain a reasonably uniform surface. Be careful. Sometimes the grout between tiles cannot be duplicated and the tile repair sticks out like a sore thumb. Beware, too, a small tile repair can compromise the water barrier behind the tile. (This example invokes the “pre-loss condition” rule.)

I didn't write this, but when I found it I thought I would pass it along. From what I've seen, this philosophy really works to your advantage. Insurance should only be used for large claims anyway as multiple little claims has the potential increase your premium or even have your coverage dropped. On with the article.

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Adopting an overall higher deductible philosophy can save you tons of money over the years.  Spell that $M$O$N$E$Y$ in your pocket!  Let me show you how it works.

Read More:
http://www.thesandiegoinsuranceblog.com/higher-deductible-philosophy/

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I recieved this notice from a reputable source. I have not discussed this with the author directly, but thought I'd pass on the information in case anyone here wanted to be a part of this project.

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I'm a writer, working on a book with a doctor about the collective
impact of natural disasters, mass violence, terrorist threats (and 9/11) on
our mental health. Even people who do not live at the site of the event, he
says, are experiencing anxiety and post-traumatic stress, which emerges in
many ways, including short tempers, road rage and irritability.

I am looking for real people to share their stories. Please get in touch
with me if you have a story. Thank you for allowing me to post here.

Here is my website: http://winnieyu.net.

Winnie Yu

URGENT ACTION BEFORE OCTOBER 21,2010

If you suffered damages and have not yet filed a lawsuit for these damages from any of the following 2007 fires:

  • Rice (San Diego)
  • Witch Creek (San Diego)
  • Guejito (San Diego)
  • Canyon (Malibu)
  • Grass Valley (Lake Arrowhead)

FILE NOW to avoid losing legal rights against the utility company due to statue of limitation deadlines.

REMINDER: IF YOU WERE WAITING FOR A CLASS ACTION, IT NEVER MATERIALIZED. YOU MUST FILE NOW ON YOUR OWN BEHALF.

Of the nearly 100 families who contacted our office regarding their completed SDG&E mediated settlements, almost all were "thrilled" with the results. Many said the mediation process was much easier and rewarding than they anticipated.

If you have documentation that establishes your losses exceed what your insurer paid, or you had no insurance, we recommend you take immediate legal action. Some potential claims may have expired. October 21, 2010 is the absolute deadline which would foreclose any possibility of recourse against the utility after which time there would be no further recourse.

2007 FIRE STATUTE DEADLINES APPROACHING

URGENT ACTION NECESSARY

IF YOU SUFFERED DAMAGES AND HAVE NOT YET FILED A LAWSUIT FOR THESE DAMAGES FROM ANY OF THE FOLLOWING 2007 FIRES:

  • RICE (San Diego)
  • WITCH CREEK (San Diego)
  • GUEJITO (San Diego)
  • CANYON (Malibu)
  • GRASS VALLEY (Lake Arrowhead)

Community Assisting Recovery, Inc., CARe, a 501c3 nonprofit organization dedicated to guiding survivors through the disaster recovery process, reminds you to take immediate action to avoid losing legal rights against the utility due to statute of limitation deadlines.

We know from our substantial experience in disaster recovery that most losses are underinsured and do not come close to having enough money for a full economic recovery following a disaster. If you have documentation that establishes that your losses exceed what your insurer paid, or you had no insurance, we recommend that you consider taking immediate legal action given the impending statutes of limitation. Some potential claims may have expired. October 21, 2010 is the absolute deadline which would foreclose any possibility of recourse against the utility after which time there would be no further recourse.

 

Inspirational Quotes

If I had a formula for bypassing trouble, I would not pass it round. Trouble creates a capacity to handle it.  I don't embrace trouble; that's as bad as treating it as an enemy. But I do say meet it as a friend, for you'll see a lot of it and had better be on speaking terms with it.

Oliver Wendell Holmes

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Witch Creek Fire Survivor, 2007