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	<title>RenMimbis &#187; WIND</title>
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	<description>The New Global Currency - 新的全球货币</description>
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		<title>è‹æ¸ï¼šæ·¡æŒ‡æ•°ï¼Œé‡ä¸‰å­£æŠ¥é¢„å¢žè‚¡</title>
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		<pubDate>Fri, 13 Aug 2010 00:00:01 +0000</pubDate>
		<dc:creator>ä¸­é‡‘åœ¨çº¿</dc:creator>
				<category><![CDATA[股份]]></category>
		<category><![CDATA[股票]]></category>
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		<title>Car Insurance and Your Claims: They MUST Pay!</title>
		<link>http://www.renmimbis.com/2010/07/car-insurance-and-your-claims-they-must-pay/</link>
		<comments>http://www.renmimbis.com/2010/07/car-insurance-and-your-claims-they-must-pay/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 04:42:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[保险]]></category>
		<category><![CDATA[auto insurance company]]></category>
		<category><![CDATA[damage estimates]]></category>
		<category><![CDATA[Documentation]]></category>
		<category><![CDATA[flood insurance program]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[loss]]></category>
		<category><![CDATA[national flood insurance]]></category>
		<category><![CDATA[national flood insurance program]]></category>
		<category><![CDATA[negotiation tactics]]></category>
		<category><![CDATA[pay]]></category>
		<category><![CDATA[storm strikes]]></category>
		<category><![CDATA[WIND]]></category>
		<category><![CDATA[wind and flood]]></category>

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		<description><![CDATA[To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For exle, if a storm strikes and you have both wind and flood damage, you may have to file a [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.renmimbis.com/tag//" class="st_tag internal_tag" rel="tag" title="Posts tagged with  "> </a><a href="http://www.renmimbis.com/tag/amp-/" class="st_tag internal_tag" rel="tag" title="Posts tagged with   ">  </a>  <a href="http://www.renmimbis.com/tag/amp-/" class="st_tag internal_tag" rel="tag" title="Posts tagged with   ">  </a>  <a href="http://www.renmimbis.com/tag/amp-/" class="st_tag internal_tag" rel="tag" title="Posts tagged with   ">  </a>   To further complicate matters, even if a <a href="http://www.renmimbis.com/tag/loss/" class="st_tag internal_tag" rel="tag" title="Posts tagged with loss">loss</a> is covered, the policy most likely includes a deductible as well as coverage limits.  Depending on the nature of the <a href="http://www.renmimbis.com/tag/loss/" class="st_tag internal_tag" rel="tag" title="Posts tagged with loss">loss</a>, multiple insurance companies may be involved.  For exle, if a <a href="http://www.renmimbis.com/tag/storm-strikes/" class="st_tag internal_tag" rel="tag" title="Posts tagged with storm strikes">storm strikes</a> and you have both <a href="http://www.renmimbis.com/tag/wind/" class="st_tag internal_tag" rel="tag" title="Posts tagged with WIND">wind</a> and flood damage, you may have to file a claim with your homeowners insurance for the <a href="http://www.renmimbis.com/tag/wind/" class="st_tag internal_tag" rel="tag" title="Posts tagged with WIND">wind</a> damage and another with the <a href="http://www.renmimbis.com/tag/national-flood-insurance-program/" class="st_tag internal_tag" rel="tag" title="Posts tagged with national flood insurance program">national flood insurance program</a> (if you have flood insurance) for the water damage. Depending on where you live, your deductible may be higher under certain circumstances.  For exle, in Florida, your insurance deductible for hurricane damage is much higher than if your home was burglarized.  So, will your local insurance company <a href="http://www.renmimbis.com/tag/pay/" class="st_tag internal_tag" rel="tag" title="Posts tagged with pay">pay</a> or won&#8217;t they? Look at it this way, insurance companies DON&#8217;T want to <a href="http://www.renmimbis.com/tag/pay/" class="st_tag internal_tag" rel="tag" title="Posts tagged with pay">pay</a>.  They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid.  The burden of proof lies on you, the homeowner.  This means that you will need to prove your case and do it well.  The better prepared and more organized you are, the better.  Documentation for Making Insurance Claim Start with documentation.  You may need to take dozens of photos and provide your direct insurance agent with detailed estimates to counter against the insurance company&#8217;s original settlement offer.  You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method.  While your homeowner&#8217;s insurance policy is a contract, the claims process does provide room for negotiations with auto insurance companyÂ (more information on best negotiation tactics in How to Contact with <a href="http://www.renmimbis.com/tag/auto-insurance-company/" class="st_tag internal_tag" rel="tag" title="Posts tagged with auto insurance company">Auto Insurance Company</a>? article).  Your best bet is to be prepared for a fight.  Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer.  You don&#8217;t have to do this alone.  In fact, many contractors are willing to be present during the insurance adjuster&#8217;s visit to help point out damage that the adjuster might have otherwise ignored.  In addition, public home or auto insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer. Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you&#8217;ll be better equipped to answer the question, &#8220;Will they pay for it?&#8221;           </p>
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		<title>ä¸“å®¶å»ºè¨€æŠ•èµ„æŒ‡åŸºéœ€è€ƒè™‘é£Žæ ¼è½®åŠ¨</title>
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		<pubDate>Wed, 10 Feb 2010 00:06:50 +0000</pubDate>
		<dc:creator>ä¸­é‡‘åœ¨çº¿</dc:creator>
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		<pubDate>Wed, 23 Dec 2009 01:20:43 +0000</pubDate>
		<dc:creator>ä¸­é‡‘åœ¨çº¿</dc:creator>
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		<pubDate>Wed, 02 Dec 2009 10:53:29 +0000</pubDate>
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