August 6, 2016

Let’s be honest, anyone who has had an insurance claim has had this or a similar thought run through their head. For many years insurance companies have done things to earn a bad rep. I’ve been in the insurance restoration industry for the last 10 years, and during this time I can honestly say that I have rarely met an adjuster or contractor that wanted to skimp on the settlement. The few times I’ve seen this is when the policyholder has been extremely difficult to work with. Yes, bad estimates happen, however, most of the time the feeling of being “shorted or cheated” comes from not understanding your policy and how it pays out.

The biggest misunderstanding is most often the issue of matching. Insurance policies are specifically written with terminology and phrases to avoid matching. Homeowner’s coverage is to replace the damaged items with like kind and quality. While as a homeowner and contractor I often don’t agree with this and I will fight it to the best of my abilities. To explain this policy the easiest is to give you situations where you will most likely run into this situation. Let’s say you have a flood where the carpet has to be removed in the hallway. The same carpet runs throughout the home. The living room opens and connects directly to the hallway with the same carpet and you have 3 bedrooms directly off of the hallway and an office with french doors off of the living room. The carpet in the hallway and living room will be replaced but the carpet in the bedrooms and office will most likely not be replaced as most insurance policies are written to stop at doorways.

The other situation is most often with kitchen cabinetry. If water damages your lower kitchen cabinets (or a fire, your uppers) most insurance companies will allow replacing the run of damaged cabinets (meaning all of the lowers or all of the uppers). If you have specialty/custom cabinets you will most likely be given a custom price to rebuild that run of cabinets to match what was there. Very rarely is matching kitchen cabinets likely these days, however, it is not impossible. Over the past 25 years, there are hundreds of cabinet styles and specialty finishes, from dozens of manufacturers. Unless you recently replaced the kitchen, it will take countless hours of research to find the cabinet manufacturer that made your cabinets (a good place to locate the manufacturer is on the inside of the door. Let’s say you’ve managed to find the manufacturer, companies usually discontinue a line every 4-7 years, or they make considerable changes to it. On top of the possible discontinued issue, it is very likely that the elements have changed the finish on your cabinetry. Perhaps your contractor has pointed the issues out to your adjuster, depending on the difficulty they may add extra money to allow to get a close match, perhaps a custom cabinet.

This is where you have …

What is the number one reason most relationships break up? Terrible sex? Too much nagging? Incompatibility? Another lover? You just drifted apart? It’s none of these. By far, the biggest reason that relationships fail can be summed up in one word: Money.

If you have money problems, then you have big problems. Nothing creates tension and hardships like persistent hassles with bills, paying rent, making a car payment – or maybe even not being able to afford a car at all! If your girlfriend left you over money problems, then you have one of the most difficult situations to remedy. Getting an ex-girlfriend to come back to you is hard enough the way it is. It’s even harder when you are hard up for cash.

But before we get all depressed about this situation, let’s get some perspective. Many guys think that if only they were rich, or at least well off, their girlfriend would have never left them. It’s not as simple as that. If you don’t believe it, just tune into what is happening with the rich and famous around the world, be it movie stars or royalty. It quickly becomes apparent that people with a lot of money have no better luck – an obviously sometimes a lot worse luck – with staying within a relationship. How many movie stars can you think of in the next five minutes who have two, three or maybe four divorces under their belts?

The fact is, having a lot of money is no guarantee of relationship success. If you are feeling sorry for yourself because your girlfriend left you over financial problems, then it’s time to start rethinking the whole situation. You could be filthy rich, and she might have left anyway.

What does this tell you about money? Clearly, it makes no difference how much you have or how little you have. If the fundamentals of your relationship are strong, even a terrible money situation should not be an excuse for your girlfriend to leave. Money is only a convenient excuse, an outward factor.

Okay, but let’s also recognize that while money may not be the ultimate reason she left you, it certainly was a contributing factor. That’s because constant stress over money creates an overall climate of tension and struggle. It is very difficult for any relationship to thrive in an environment of constant struggle.

Incredibly, many guys do exactly the opposite thing they should do when they have money problem, and their partner leaves – they plunge themselves into even more debt! That’s right!

There is something about relationship problems that can drive many men to lose all common sense. For example, they think that if they only had a nicer car, maybe their girlfriend would come back to them. So they pull out all the stops, marshal all of their resources, and take out a huge loan to get some new wheels. So now they have a shiny new car, and even more debt and payments …