Your Home Is Not Your Castle If You Have A Mortgage: Lenders Use Deed of Trust to Interfere With Your Property Loss

In response to one of my recent blogs regarding the December tornado losses in Dallas/Fort Worth, my friend Curtis Hordge asked a follow up question. Apparently some homeowners in DFW are being told by their mortgage company that the mortgage company will keep all insurance proceeds and use the money to pay down on the home loan. Can they do that? As with many question of law, the answer is that it depends. It depends on what your Deed of Trust says. When you buy a house and go to the title company to sign all the papers, one of the documents you sign is a Deed of Trust. The Deed of Trust has many functions, but mainly, it is like a rule book setting out the rights and duties of the borrower and lender. The Deed of Trust will have a section entitled “Property Insurance” or something similar. That provision sets out the homeowner’s duty to buy and maintain property insurance on the home with an insurance company and with policy limits approved by the lender. The…


We\’re Losing The War On Bedbugs

In the ongoing battle between bedbugs and the humans whose blood they suck, it seems the bugs may be winning — at least in some parts of the country.

New research conducted on bedbugs from homes in Cincinnati, Ohio, Jersey City, New Jersey, and Troy, Michigan, shows the pesky little bloodsuckers have become resistant to the insecticides commonly used to kill them.

“While we all want a powerful tool to fight bedbug infestations, what we are using as a chemical intervention is not working as effectively as it was designed to,” Dr. Troy Anderson, an assistant professor of entomology in the Virginia Tech College of Agriculture and Life Sciences and one of the scientists behind the research, said in a written statement.

More research is needed to determine whether bedbugs in other parts of the country have become resistant to the insecticides, a family of compounds known as neonicotinoids, or neonics. But that disturbing possibility might help explain the results of a recent online survey by the National Pest Management Association and the University of Kentucky, which showed that 64 percent of pest management professionals think bedbug infestations are on the rise.

Bedbugs are found just about everywhere there are people, according to the survey. That includes not just apartments and single-family homes, but also hotels and motels, college dorms, stores, movie theaters, libraries, nursing homes, office buildings, daycare centers and even public transportation.

Blech! Bed bugs don\’t cause illness, but their bites can cause ugly welts and intense itching.

For the study, which was published online Thursday in the Journal of Medical Entomology, Anderson and Dr. Alvaro Romero, an assistant professor of entomology at New Mexico State University, compared the effectiveness of neonics on bedbugs collected from homes to a control group of bugs from a colony in an isolated lab that had never been exposed to neonics.

The researchers found that the level of insecticide required to kill the bugs from the homes was hundreds to tens of thousands of times higher than the level required to kill bugs from the control group.

How did these bugs become so hardy? Thank natural selection.

As Romero explained in an email, “Organisms have the ability to overcome the effect of insecticides/antibiotics by developing molecular and biochemical mechanisms that render the compounds less effective.”

As for what can be done to curb infestations of insecticide-tolerant bed bugs, Romero recommended alternative removal methods, including traps, heat treatments and vacuuming. And the rest of us need to learn how to keep from “acquiring and transporting bed bugs.”

Sounds like good advice — the EPA offers some good strategies for doing just that.

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We Made It Our Mission To Be Happier In 30 Days — And It Worked

Resolutions are so often a bust. But this January 1, we set out to make lasting changes in our lives. We launched the HuffPost #30Up Happiness Challenge at the start of the year with one goal in mind: To become more joyful in 30 days.

And, as it turns out, it totally paid off.

Research suggests that happiness is a choice, but one we don\’t often make due to our brain\’s negativity bias. In other words, we\’re constantly reflecting on the worst possible outcome and view happiness as a concept that we need to capture. The truth is, we have the power to manifest it right here and now.

For the past month, we\’ve given our readers simple, daily challenges — and taken them ourselves — in hopes that these tiny changes will create a more joyful disposition. Each tip was backed by research that shows the specific actions boost happiness levels. The tasks ranged from trying adult coloring and practicing gratitude to telling a joke and participating in laughter yoga

As we discovered, science is no joke. We felt lighter by the end of the month and are storming into February equipped with the right mindset to take on the rest of the year in a more joyful manner. 

Did we mess up? Of course. Everyone has days where they\’re irritated and the last thing they want to do is practice positivity or have a dance party (both were real challenges, by the way). The key is powering through despite your bad mood, because there\’s joy on the other side.

It\’s not too late to start your own jubilant journey. You can find each day\’s challenge on our calendar. Feel free to start whenever you\’d like.

If you enjoyed following our progress, we encourage you to sign up for next month\’s challenge. In our quest to become healthier people, in February we\’re launching the Look Good, Feel Good Challenge. Every day, HuffPost Lifestyle editors will send you fun and inspiring goals to help you look and feel your best.

You can opt into next month\’s daily challenge by signing up for our daily newsletter.

Here\’s to becoming happier and better individuals — not just for one month, but for life!

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The Irresistible Mystery Of Tommy Wiseau

Juliette Danielle still remembers the mortification she felt as she watched “The Room” for the first time.

The actress, then 22, had signed up to play the oddly titled role of “future wife” in the low-budget and somewhat mysterious movie. There were some sex scenes involved, sure, but Tommy Wiseau, Danielle\’s partner in the scenes, as well as the film\’s credited writer, director, producer and star, repeatedly assured her that they would be edited tastefully in postproduction.

At the movie\’s premiere at the Laemmle Theater in Los Angeles on June 27, 2003, Danielle quickly realized that there was nothing tasteful about “The Room.” Roughly five minutes into the film, Danielle and Wiseau engage in a prolonged sex scene in which Wiseau appears to hump Danielle\’s navel. The scene goes on for several minutes — an entire song\’s worth — but eventually seems to mercifully end with a shot of Wiseau\’s bare butt. Then, just minutes later, they start back up again.

The sex scenes were extensive. So extensive, in fact, that one of the film\’s cast members, Dan Janjigian, who played the rooftop-dwelling gangster Chris-R, remembers wondering exactly what kind of movie he had participated in.

“Oh, my God,” Janjigian thought to himself. “Was this a porno?”

Even ignoring all the sex, anyone at the premiere could see that the film was an unmitigated disaster. Wiseau, as he often told his collaborators, had attempted to create a dramatic movie in the vein of Tennessee Williams\’ “A Streetcar Named Desire.” Instead, he had created a 99-minute train wreck.  

The plot at the center of the movie was simple enough, if a little strange: Wiseau\’s character, Johnny, gets upset when his “future wife” cheats on him with his best friend. But the film, which featured a cast of entirely unknown actors, was filled with some of the worst scriptwriting, acting, cinematography and directing ever captured on film.

The crowd at first sat in shock, then proceeded to erupt throughout the film in fits of laughter.

No one knew what they should say about it, because we didn\’t know who we could be honest with.

Robyn Paris, who played Michelle in “The Room”

“I was dying laughing almost from the beginning,” remembered Robyn Paris, who played Michelle, a character who memorably enjoys combining sex and chocolate.

Those involved in the film had an inkling something was amiss even before they saw it. For one, no one seemed to have any idea what the film was about until they had seen it, as Wiseau had never given the actors a full script, just a few sheets at the beginning of each filming day.

Then, the night of the premiere, some suspected that the people there unrelated to the cast and crew had been paid by Wiseau to fill out the crowd and seek the cast\’s autographs. “It was so evident that someone had just hired people to come in and do all that,” Janjigian said when talking to The Huffington Post. “That was such a weird situation.”

After the movie finally ended, none of the cast and crew knew quite what to say. At the afterparty at the Mimosa in Hollywood, they did what they could to steer the conversation away from any talk of the movie itself.

“No one knew what they should say about it, because we didn\’t know who we could be honest with,” Paris said. 

“I drank so much champagne to try and deal with my feelings,” remembered Danielle, the embarrassed actress who had engaged in the extraordinarily long sex scenes.

When the party ended and people started to leave, most if not all of those in attendance expected to put the film behind them and move on. Carolyn Minnott, who played Lisa\’s onscreen mother, Claudette, was among them. But when she returned to her Cadillac, she found it had been broken into and destroyed. Eventually, she made it to an airport rental car company. Dressed in rhinestones, another customer asked what had happened to her that night.

“Don\’t ask,” Minnott replied.

Like so many other people involved in the film, Minnott never expected anything to come of the movie. “I was certain that this thing would go straight to video and wind up on a Blockbuster shelf somewhere gathering dust,” she said.

But over a decade later, “The Room” is doing anything but gathering dust. Today, the film is considered one of the great cult classics of modern cinema — “the \’Citizen Kane\’ of bad movies,” as Ross Morin dubbed it in 2008 while an assistant film professor at St. Cloud University in St. Cloud, Minnesota. Fans all around the world attend monthly participation-based screenings of the film with props and in costume, a la “The Rocky Horror Picture Show.” Greg Sestero, who played Wiseau\’s onscreen “best friend,” Mark, won a National Arts & Entertainment Journalism Award in 2014 for The Disaster Artist, a behind-the-scenes book about the film, which has since inspired an upcoming James Franco film of the same name (Franco plays Wiseau).

"THE DISASTER ARTIST: The making of THE ROOM." It has begun!!!!!

A photo posted by James Franco (@jamesfrancotv) on

In some ways, how “The Room” came to be so fantastically and famously awful remains something of a mystery. The film cost millions of dollars to make, and it employed a crew that had credits with other successful movies, including “Spiderman” and “Transformers.” How could it be such a wonderful disaster?

The answer is quite simple: Wiseau, a man whose oddness and whose mysterious past have made him the focus of intense speculation and interest.

Wiseau wanted to be a star like his hero, James Dean. (One of the most famous lines in “The Room,” in which Wiseau\’s character yells, “You\’re tearing me apart!”, is lifted directly from “Rebel Without a Cause.”) And with only one terrible movie, he has become something of one. Fans of “The Room” obsess over stories of its creator\’s strange behavior, about how he bragged about the size of his American flag on set, or how he paid for a billboard advertising “The Room” to loom over Hollywood for five years.

Film professor Morin, who now teaches at Connecticut College, vividly remembers meeting Wiseau for the first time in 2010. He was at a screening of the film at the Ziegfeld Theater in New York City.  

“When Tommy arrived with Greg … the audience erupted,” Morin recalled. “George Clooney could not have elicited such a response. Near riot-level shrieking ensued. He [Wiseau] was mobbed with adoring fans. Two of my friends were crying tears of joy.”

But even as Wiseau appears to enjoy the spotlight, he has worked to keep some of the most basic information about him secret. ”Tommy Wiseau,” for example, isn\’t even his real name. For years, fans have not been able to figure out what is, nor how Wiseau got the money to make “The Room” in the first place. They haven\’t even been able to figure out where he\’s from. Wiseau, in short, is as much a mystery as “The Room.”

It was never as interesting to me to try to solve Tommy, because I think, in a lot of ways, you can\’t.

Greg Sestero, who played Mark in “The Room”

He seems to like it that way. Wiseau doesn\’t answer questions at screenings about his true origins. He is known to tell interviewers to essentially only ask him about the fandom surrounding “The Room.” Actors from the movie even told HuffPost that Wiseau doesn\’t want them to participate in events related to “The Room,” lest they alter his narrative.

If Wiseau has fought to keep basic facts about himself secret, then Sestero has been a willing accomplice. The two met years before the making of “The Room” at an acting class in San Francisco, where they became good friends. Sestero even lived in an apartment owned by Wiseau at one point. He also knows the answers to many of fans\’ questions, but decided against including them in The Disaster Artist because he felt withholding that information was in “The Room” fans\’ best interest, even if they couldn\’t realize it.

“I think one of the big appeals of \’The Room\’ is the mystery,” Sestero told HuffPost. “It was never as interesting to me to try to solve Tommy, because I think, in a lot of ways, you can\’t.”

That may be so, but Rick Harper, a documentarian who shared his research on “The Room” exclusively with HuffPost, thought he could. Ever since he first saw “The Room” described as “the worst thing ever committed to celluloid” on an art house poster, Harper has been fascinated with the film.

Hoping to meet Wiseau, Harper created a production company and successfully sponsored a screening of “The Room” in Ottawa, Canada. In April 2011, Wiseau and Sestero attended, and Harper convinced Wiseau to give him a job expanding the reach of the film to new international markets, selling merchandise and dealing with other assistant-type tasks. The two became friends, and fairly soon thereafter, Harper pitched Wiseau on the idea of working on a documentary about “The Room,” which he says Wiseau originally agreed to co-produce as part of Wiseau-Films.  

You know when you just become obsessed with something you want to know everything?

Rick Harper, director of “Room Full of Spoons”

Harper started uncovering everything he could about the film and Wiseau. He interviewed just about everyone directly and tangentially involved with the making of the film. He tracked down people involved with “The Room” who had all but disappeared since the movie came out. But he also did something else: He talked to people that Wiseau expressly told him not to. One such person was Sandy Schklair, who is credited as the film\’s script supervisor, but who also claims to have actually directed “The Room” due to what he perceived as Wiseau\’s incompetence. This was Wiseau\’s first movie, and Schklair claims he didn\’t know the first thing about directing at the time.

If Harper wanted to keep his relationship with Wiseau intact, he knew he should stop. But by this point, he couldn\’t help himself.  

“You know when you just become obsessed with something, you want to know everything?” Harper said.

Wiseau initially agreed to speak to HuffPost about the documentary, but when asked via email about his origins and the movie\’s other claims, he declined to answer those or any other questions.

Almost five years after meeting Wiseau, Harper\’s finished film, “Room Full of Spoons,” will premiere this Sunday, in Madrid at the CutreCon V Festival.

Harper spoke with HuffPost multiple times over the past year about what he and his production company, Rockhaven Pictures, have uncovered. Rockhaven also gave HuffPost exclusive access to the documentary, which is named after one of many strange traditions at “The Room” screenings, in which audience members throw plastic spoons at the screen every time the background of a shot has a framed picture of a spoon-themed stock photo. 

Along with capturing the excitement and joy the movie has brought to those fans all over the world, Harper\’s documentary solves a long list of mysteries fans have wondered about “The Room” for years. It\’s a very impressive feat of reporting.

It also cost him his friendship with Wiseau.

At some point, Harper explained, Wiseau backed out of participating in the documentary without explanation. Left without substantial financial backing, Harper started a Kickstarter campaign, through which he gathered $26,101 to finish the movie. The focus of the project shifted as Wiseau left, too, from highlighting the cult phenomenon surrounding the film to finding the answers to the many remaining questions surrounding Wiseau, especially one: Where, exactly, is Tommy Wiseau from?

We spent two days in graveyards finding all of Tommy\’s family. That\’s when I realized, I think, I took this project too far.

Rick Harper, “Room Full of Spoons”

Wiseau clearly speaks with a non-American accent of some sort. Yet, for as long as he has been in the public eye, Wiseau has been unwilling to divulge his origin story, and no one has ever been able to quite figure it out. The cast repeatedly tried and failed. So have fans.

Schklair, the man who claims to have directed “The Room,” is currently writing a tell-all book about his experience with Wiseau, which he hopes will answer every question fans still have. “Except for one: wherever the hell Tommy was born,” Schklair said.

Harper was determined to find out, so he conducted interview after interview until he found a confidant close to Wiseau who gave him the clue he needed: Wiseau\’s real name. With that in hand, Harper scoured records to piece together “The Room” filmmaker\’s family history and true origin story. Then, to confirm what he had discovered, Harper took his crew all the way to Europe to verify the findings and find members of Wiseau\’s family.

They dug and dug, and eventually started to figure out the answers to many unanswered questions: Wiseau\’s age, his family tree, his early European life.

But most important, Harper\’s team found the answer to the question that has plagued “Room” fans for over a decade. And, ladies and gentlemen, Tommy Wiseau is from Poland. Poznán, specifically, a city with a population of around half a million in the western center of the country. (Over email, Wiseau had no interest in engaging with the fact that his supposedly true origins are revealed in Harper\’s movie.)

“The Room” had actually hinted that Wiseau might be Polish all along. The vodka Wiseau\’s character drinks with scotch — lovingly deemed “scotchka” by fans — is Sobieski, a Polish brand. The repeated taunts of “cheep cheep” throughout the movie is apparently a turn of phrase native to Poland, according to Polish students Harper worked with in his research.

But just as Harper was discovering what he spent over half a decade seeking out, a thought came over him.  

“We spent two days in graveyards finding all of Tommy\’s family,” said Harper. “That\’s when I realized, I think, I took this project too far. When you catch yourself, it\’s kind of messed up, but I\’m in a baby cemetery for infants looking for the plot of one of his aunts that died when she was 2 years old. What the hell does this have to do with \’The Room\’?”

To say Wiseau seems upset with Harper would be an understatement. He knows the film will reveal many personal details that he has long kept secret. In the weeks leading up to the film\’s premiere on Sunday, Wiseau has been releasing fake-explosion-laden videos that seem to respond without context or irony to a few of the claims made in Harper\’s documentary.

Harper said he understands that Wiseau is “scared of things coming out,” but isn\’t trying to “crucify” him by releasing the film. He withheld certain information about Wiseau that he thought could be potentially damaging to him. 

“This is a love letter to a movie that has, in a lot of ways, changed my life,” Harper said, “and a man I\’ve admired so much.”

But there is a chance that Sestero understands something about “The Room” that Harper doesn\’t. Unlike Harper, Sestero didn\’t leave details out of The Disaster Artist to protect Wiseau, but because part of the fun of “The Room” is not quite understanding where its creator came from, not fully knowing how he came to be himself. Now that Harper has solved all of the mysteries for himself, he might understand better than anybody why Sestero made that decision. For Harper, the mystery of Wiseau has been solved, and now he just can\’t get as excited about Wiseau or “The Room.”

“Now I feel like I\’m at that point where I can almost let go of it,” he said. “In a sense, you can say it\’s ruined it for me. The magic isn\’t really there anymore.”

“Room Full of Spoons” will be touring in select cities for three weeks late this winter. Harper is asking fans to request a showing at their local theaters. You can follow the movie on Facebook, Twitter, Instagram and check out more information at their website. 


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Crash Survivor Makes Back Brace Incognito, Turns It Into Steampunk Armor

A teen from Charlotte, North Carolina, isn\’t letting a back brace grind her gears.

Madelaine Cable got into a car accident that left her with a fractured T12, in November. She had emergency spinal fusion surgery, and after was told she had to wear a back brace for the next couple of months, all day long, in order for it to heal properly.

But instead of hiding away until the brace was off, the 17-year-old decided she wanted to be perceived as the survivor she was.

So she transformed her bulky brace into badass steampunk armor.

“I really hated how bland the brace looked,” Cable told The Huffington Post. “People would stare and give weird looks. I felt ashamed of it. I wanted to make it something fun that I\’d enjoy wearing and feel proud of instead of embarrassed by.”

Cable and her friend Sarah Chacko, 19, share a love of all things steampunk — a retro-tech style – and Chacko, just happens to have a little copper and rust running through her veins.

“I\’d steampunked other things, like Nerf guns, in the past,” Chacko told HuffPost. “And when I saw the different rivets and buckles on the brace, I thought, ‘Yeah, we could steampunk that!\'”

Chacko came over to Cables with a basketful of materials like metallic spray paint, metal framing trim, plastic gear stencil, metal appliques, acrylic paint and “Sarah\’s trusty glue gun” to help put the apparatus of awesome together.

Five hours later, the girls were proud of what they created — it looked like a beautiful chest armor. They even decided to share pictures of their cool collaboration with the steampunk-loving site, Epbot.

“[To me] it symbolizes the battle I\’m fighting while going through this,” Cable said. “I\’m a warrior.”

Currently, Cable is totally conquering Battle Back Brace.

Her doctors were very happy with her progress at her post-surgical appointment. She is starting physical therapy and now gets to spend a few hours out of her brace every day. She may even be able to wave goodbye to the brace altogether in another four weeks or so.

But for the time being, Cable seems at peace with her brace – and even finds it empowering.

“People are initiating conversation instead of just staring,” Cable\’s mom, Linda, told HuffPost. “She feels like they see her, and not just her injury.” 

 H/T Epbot


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Self-Proclaimed Psychic Answers Woman\’s Question Before She Even Asks It

Dougall Fraser reportedly gave his first psychic reading when he was 8 years old. Now in his late 30s, he\’s done countless.

One such reading happened during a session at Nicole Richie\’s Pearl xChange event, which featured talks aimed at empowering women in all areas of their lives. Fraser was one of the guest speakers that day, and he hosted a Q&A session with the audience during his time on stage.

A woman stood up to ask Fraser a question, but as soon as he laid eyes on her, he immediately began reading her aura, speaking about the colors he saw around her and explaining the issues that come along with having this type of energy. As it turns out, Fraser blew her away by addressing her exact question before she could say anything more than her name. The whole two-minute reading unfolds in the video above.

Also on HuffPost: Plane crash survivor: “An aura was leaving their bodies”

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Kitten Born With Worried Eyes Is On Instagram For The Best Reason Ever

You may find yourself uttering, “Don\’t worry, kitty, be happy!” when you first lay eyes on this cross-eyed cutie. But despite his furry furrow, this kitten, who was born with permanently distressed-looking eyes, is quite the perky tabby.

His human, Courtney Morman, 24, has made him an Instagram account in hopes that his purr-suasive face and personality will help raise awareness.

“I wanted to put it out there that I got this really cool cat at a rescue,” Morman told The Huffington Post. “There are so many awesome animals at rescues and I want people to know that they can get a special pet at a shelter, too.”

Morman made the Instagram account worried_cat_aka_bum for her funny-faced cat, Bum, only four days ago. It has 557 followers, but since the cat-centric blog, Love Meow, posted pictures of Morman\’s little guy, Bum and his crazy eyes have been flying all over the Internet.

Bum and his four siblings came into Morman\’s place of work, the San Diego Humane Society\’s Kitten Nursery — which is the only program that provides 24-hour care underage kittens — when he was 5 months old.

Morman was instantly smitten by the kitten and decided to take him home.

“Bum is shy with new people,” Morman said. “But once he knows you, he is a love bug.”

A photo posted by Courtney (@courtneyskitsandk9s) on

Morman, a baseball fan, adopted Bum on the day the San Francisco Giants won the 2014 World Series. So she named her new cat after the team\’s pitcher, Madison Bumgarner.

“I knew I wanted to name him something silly based on the way he looks. So Bum was perfect,” Morman, who also had a three-legged rescue cat named Admiral Kitty Kingman, said. 

Though his name is Bum, this little dude is anything but. He loves other cats, especially kittens, and has assisted Morman in fostering litters of young felines.

“He even spends time with injured cats that are being rehabilitated,” she said.

Morman also describes Bum as a goofy guy who likes to play with boxes and sleep on her face. But she is quick to admit that\’s he\’s also incredibly smart.

“He can open drawers!” she said. “If he wants something from my purse, he will unzip it and take it. So I have to keep everything on lock down.”

What a little cat burglar! Which makes sense, because Bum has totally stolen our hearts. 

A photo posted by Bum (@worried_cat_aka_bum) on



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What to do If your Homeowners Insurance claim is denied

Where to start if your entire claim is refused. Your abode has undergone significant devastation. Maybe the cause was a fire, a water surge, weather event, break in, or vandalism. In nevertheless, there is property insurance so you think you’re in good hands.You submit your insurance claim, and after that have it turned down by unquestionably the insurance company.Your very first intuition might be potentially curse your present insurance agent. Anyway you suffer from ruined home necessitating a small fortune for any repairs… therefore permit much cooler heads beat the crooks and why don\’t we examine the measures.Step one is to order a certified copy of your policie to review.Most likely you probably didn’t understand your current homeowner’s insurance intimately before recording your claim, you absolutely should have. A typical reasons that generate rejection, in addition to failure to pay for the insurance rates are perils or causes that aren’t covered inside the insurance, Fail to abate,or lack of documentation of the damages. It is always helpful to think as an adjuster trying to get reasons to refuse your claim, and endeavor deal with all of those potential queries and stumbling blocks before you start. As a public insurance adjuster, to numerous circumstances I observe the homeowner making the big mistake of believing in the insurance insurance adjuster as they presents properly and is also well-mannered. Always keep in mind who actually he / she works for.

If you haven\’t already, ask for a certified copy of the policy coverage from your insurance company and analyze it so you\’re able to adequately address the reason for denial. Not understanding your insurance plan may lead to a denial of insurance because for something as simple as employing the incorrect adjective to describe the peril. As you\’ll observe in the news video.

To have any chance of overturning the denial, you must first Comprehend the Denial. You should get formalised document from your insurance company that specifies the reason your claim was denied, as well as the section of the policy that supports the denial. If you didn\’t receive a formalized notification, contact the claims adjuster. The insurer is responsible to clarify the real reason for denial. Match it up reason together with the terminology inside your certified copy of the policy coverage. If the denial is ambiguous, get clarification from your company. Be sure you document all conversations along with dates, times, and names, you will require this down the road. on the other hand; If their denial competently represents the specific situation and the policy un-ambiguously backs up their denial, there is two solutions. You can learn from your error in judgment and find a different way to come up with the money to make the repairs.

In all denial cased you should a locate Licensed Public Insurance Adjuster like the ones at Gary Guichard is a licensed, and bonded public adjuster. Public Adjusters such Gary have an inside understanding of policies as well as the sneaky tactics and tricks of the insurance adjusters who work for the insurance company. He beats them at their own game quite frequentluy. It’s important to remember that the burden of proof is on you to prove the cause and extent of your damages. Not the insurance companies. A Public adjuster can help you accomplish that with ease in an effort to get the claim reopened and paid.