Archive for July, 2013

Storms and Flooded Basements – Funny Photos

July 12, 2013

Good Day My Friends,

Last night we had a nasty storm in Toronto and many of my clients’ homes had their basements flooded. While I was running around helping my clients and friends with their flooded basements, my wife called me to let me know that our basement was flooding. Although no water came in from any floor drains, I had one bathtub and one toilet that were overflowing and flooding my basement. What a mess. In order to try and stop the water, I stuffed the toilet with a towel and climbed on top of it barefoot, to hold it in place. This slowed the flow of water and reduced the damage. Thinking back, I can only imagine how funny this must have looked. I wish I had taken a picture. What funny things have you seen while fighting the effects of the storm. Please send me your funny pictures of the storm. Let’s put a happy angle on this challenging time.

Storm Damage – Take Pictures

July 9, 2013

Hi Again,

I know you will clean up your basement and start throwing away all the water damaged stuff. Let me share with you what my CHUBB contracted adjuster advised me.

Before your throw anything away, you must photograph it, and document it. This includes floor mats and area rugs, toys and towels. EVERYTHING!!!

Keep a chart that records the item,

  1. when bought,
  2. where bought
  3. how much you paid
  4. cost of replacement

Also keep track of the time you spent cleaning up and anything you do to help mitigate the damage. Did you rent a wet vacuum or other equipment? All of these are insured payables. You are entitled to more than you think so make sure not to leave anything out to maximize your claim and limit your losses.

Remember, it doesn’t have to be a perfect list, but the more detail you can provide, the better your claim will be.

Storm Damage – Furnaces and Water Heaters

July 9, 2013

Hello My Dear Friends,

As a victim of the storm, I know first hand how frustrating it is to deal with the aftermath and clean up. To make matters worse, i woke up tis morning with my Air conditioner not working. I realized how much damage the flooding may have caused so I will give you some practical tips on how to ensure your furnace, AC and water heater are safe.

First of all, if your toilet has overflowed and there was sewer water in your furnace, you should get your furnace checked to make sure there are no remains of sewage in your airstream.

Secondly, if any part of the gas train was submerged, it must be replaced by law because it can fail causing an explosion. I suggest that you get a gas service contractor to inspect all of your gas fired appliances to make sure they are safe. In order to allow for easy processing of your insurance claim, make sure that your service contractor presents you with a clearly written invoice as well as pricing for any components requiring replacement. The invoice and recommendations should be clear enough so your insurance company will be able to approve and process it promptly.

Remember, to keep all your quotes and invoices for any expense incurred due to the flood. Insurance companies need detailed documentation of everything so if you want the claim processed smoothly, be meticulous with your record keeping.

Beware of the CROOKS

July 7, 2013

Good Day my Dear Friends,
Today my post is actually a rant. I get so angry when I see open dishonesty and seeing service companies taking advantage of believing and desperate customers. I have a friend who is a client of a very large local company whose name I cannot mention. They offer a cooling and heating insurance plan for very low rates. This past Thursday, my friend’s air conditioner stopped working. They were in a panic because they had an engagement party planned for that week. I happened to be in their house and found that their furnace blower had failed. Since I knew they were “insured”, I told them to call their service contractor.
Their service contractor came the next day and told them that their air conditioner and furnace had failed and that they needed a new furnace and air conditioner. The technician began a sales pitch for this new $10,000 system. Well, my friend already knew that this was not true so they called me and put me on the telephone with the technician. I asked the technician if he even checked to see if in fact the AC had failed. He told me, I did not bother checking. My office told me to just sell the customer a new furnace and air conditioner. At this point I was very upset so I asked him, “Don’t you have any personal integrity and pride not to cheat a customer?” He responded, “I didn’t think they would know the difference!” Boy was he mistaken.

So my friends, will you be lured in by the low upfront prices of these big utility type contractors only to be sold a bill of goods for thousands of dollars that you do not need? Are you going to allow yourselves to be cheated out of thousands of dollars by a small bribe from these big contractors who fool you with low rates? Do you think they are in this business to provide free service to you or are they in business to provide fat profits to their share holders?
Don’t be taken for a fool. Work with honest people who you know have your best interest in mind who would never think to cheat you. Pay a fair price for quality honest service and you will have more comfort with lower costs in the long run.
Have a wonderful and comfortable summer season!