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The informed purchase of your homeowners insurance can be the most important minutes you invest into the purchase of a home. So, you’ve purchased your new home, navigated the rigors of escrow including home inspections, termite tenting, title searches, legal wrangling, paper work, signatures, delays, changes, lost documents, unreachable loan officers, and the dog ate my disclosure! Then you get the call…”I’ll need a copy of your homeowners insurance to close escrow TOMORROW! ” So now what ? If you’ve done the following….. YOU WON’T EVEN GET THE CALL! EVER!!!!! There’s a few simple steps you can take to avoid this last minute panic

Insurance claims can be a first class PITA! With that in mind, this little bit of INSIDE INFORMATION is offered. EVERY CLAIM HAS: An Adjuster (human type) A File (either electronic or paper or both) A Supervisor (also the human type) The claim process looks like this (considering the three above items) The Adjuster mediates and calculates the value of the claim. (Why? Because that’s what he’s paid to do) The Adjuster documents The File

Health insurance coverage under COBRA is still quite out of reach of most laid-off workers according to the various worker’s unions across America. Their only hope is the new and proposed stimulus bill which would provide more assistance in terms of coverage and costs that can make all the difference. The new administration’s proposed stimulus bill is supposed to affect the whole spectrum of the economy including health care which will be receiving more funding. Cobra was supposed to make health care affordable but rising costs bit off the gains the bill offered again raising the stakes.