Yeah water from sump pump into basement = fucked on insurance. Water comes in from doors and windows from outside = all good. I was really surprised here in this area as the way the land is and differing elevations house do not have sump pumps.

_________________
Elections have consequences.

Nah, it's easy. 10 minutes tops.

_________________
"Play until it hurts, then play until it hurts to not play."
http://soundcloud.com/darkside124 HOF 2013, MM Champion 2014

If you obviously don't take care of your things (heating devices, roof) then they have some room to give you the brush off .... it dovetails off the idea that (essentially) your homeowners insurance is for things that happen in an instant, not things that happen over time ... I'm not on the claims side but that's a quick rule of thumb ... by the way, your agent will have ZERO to do with your claim ... they can be a helpful liason to a degree, but they're just not part of the decision process, and unless they're really, really special the claims people probably don't give a dog's dick about what they have to say (unless you have several lines of business with the company, which I've seen help get claims paid ... think of it like a casino comping you more for the more you play/spend).

That said, I would be curious to know if there's a bit more behind the claim being denied.

_________________
Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

So as we all know, Skilling usually predicts the weather slightly to the "extreme" side - but he seems to be scaling back a little (still 3/4" or more) on his rain prediction and increasing the winds instead.

_________________

No, that's just a case of a person not covering themselves properly. Caveat emptor is still the business model to this day, albeit with considerably more oversight and consumer protection than it used to be.

Incidentally, chances are at least 99.99999% that none of you are covered for earthquake damage ... neither your dwelling nor your personal property ... neat!

_________________
Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

Don't know more. Just that he asked me to forge a doc saying I had done maintenance two years consecutive.

_________________
"Play until it hurts, then play until it hurts to not play."
http://soundcloud.com/darkside124 HOF 2013, MM Champion 2014

Same is true on this side of PA but around here people do not have true basements, they usually are above ground because it is rather hard to dig here (kinda rocky on the side of a mountain. My house does not have a basement. In fact, I can only think of one house around here that has a true basement.

_________________

Great. You pricks with your crawlspaces or your hot fuckin attics. FUCK!

_________________
"Play until it hurts, then play until it hurts to not play."
http://soundcloud.com/darkside124 HOF 2013, MM Champion 2014

There is no guarantee that this perfectly describes your coverages ... that's precisely the kind of thing you check with your agent ... but it's unlikely that there's any significant deviation from the 'covered perils' shown below ...

_________________
Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

Yeah I meant general oblivious public.

_________________
Elections have consequences.

No Cory is right. We have a "basement" level of the home but they call it a game room? Anyway they don't dig the foundation too deep and so then sewers are not overhead like a Chicago bungalo.

_________________
Elections have consequences.

Not me, well no crawlspace. my Furnace is in a utility room off the garage. my attic might be hot, but no venting up there.

_________________

So, Darko, I've got one of the 4 inch thick (insert joke here) furnace filters- no cheap replacement on the Ace shelves for those. price is down to about $30 each, replace them three times per year. I heard to stack four of the cheapos in its place, but that doesn't recreate the surface area.

WTF. Too lazy to re type.

_________________

whew
i was worried about a volcanic eruption

Oh man, you're hot tonight!

That was my best post in months.

_________________

I really wish I knew how to do more around the house. I'm awful in that regard. When we first moved in it took me like an hour just to change the locks on the front and back door.

_________________

A lot of small colleges or community organizations offer classes on some of that stuff if you were real motivated.

_________________

I think they'll still offer it even if he's not.

_________________
Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

"Welp, Coztansa is a lazy asshole. Home Improvement 101 is cancelled this semester."

_________________

You can google most stuff. It even tells you how hard it is.

I put in a new dishwasher that way. It took me longer than expected as I wanted to be absolutely sure I was doing it right, and then I almost passed out at dinner because I assume I was dehydrated. It was then I decided I was done with home improvements on anything water or gas related.

_________________
You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

yeah, i'm willing to hack my way though most things
but i won't attempt anything plumbing or electrical related beyond very basic things
i can hang lights, repair a lamp, etc. but anything more than that i'm not risking it. i saw that very special episode of Diff'rent Strokes where WIllis got electrocuted and its stuck with me throughout life

I don't remember Gordon Jump electrocuting them .... geez what a bad guy ........

_________________
Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

wait, i'm wrong
it was Arnold who got electrocuted, but Willis lied about knowing how to perform CPR earlier in the episode and couldn't help him

Willis was a horrible older brother



Frank, I got a guy for all your needs. Just call me and let me know what you need. He's an HVAC guy but he can do pretty much anything around the house. You can learn for him.

You can always change your filter rack.

_________________
"Play until it hurts, then play until it hurts to not play."
http://soundcloud.com/darkside124 HOF 2013, MM Champion 2014

They seem to work just fine.

_________________
Good people drink good beer - Hunter S. Thompson

<º)))><

Waiting for the time when I can finally say
That this has all been wonderful, but now I'm on my way

What are your thoughts on a tankless sump pump?

_________________

_________________
Good people drink good beer - Hunter S. Thompson

<º)))><

Waiting for the time when I can finally say
That this has all been wonderful, but now I'm on my way