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C-Man

Certifiably Surly
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Everything posted by C-Man

  1. Defense has done their job. Time for offense to join the party.
  2. Shit, come out empty set and let QE fling it around
  3. I can’t even imagine the scenario where Sark switches to Arch now aside from injury. Silly to even discuss it.
  4. I don’t even know what this means. Neither won a championship of any kind. Quinn has that and we hope Arch is even better.
  5. Opening drive of second half is the ballgame
  6. He's been much improved the last few weeks and I think it's directly attributable to him being as healthy as he's been since the initial injury against UTSA. I don't even care if he doesn't connect on the deep middle throws as long as he doesn't put up moonballs. That allows help to come from greater distances to make a play on the receiver or the ball. This is exactly what happened against ASU and was nearly a season-killer. Throw it out there with authority and hopefully the worst-case scenario is an incompletion. We know he can do it. Just can't have the back-breaking turnovers.
  7. I don't think so. Not with regard to damage to roofs anyways. Frivolous liability and/or auto lawsuits are much more costly to insurance companies than roof claim lawsuits, I think. A bigger driver of insurance premiums as related to roof claims is the sheer number of approved and uncontested claims paid by carriers for legit hail/wind damage in Texas. The industry is finally starting to try and put that toothpaste back in the tube with mandatory 2% wind/hail deductibles. Forget expecting insurance to replace your roof every 10 years or so. The industry wants -- and, frankly, needs -- the public to think of roofs like we do A/C units and hot water heaters and set aside a budget (rainy day fund) to save for expenses like these for our homes.
  8. As mentioned further up the thread, several of the HNW insurance carriers have their own "wildfire defense" fire fighting teams that can be deployed around the country when properties insured by these carriers are in direct peril of an approaching wildfire. These teams do all the mitigation (clear/cut brush/vegetation, pre-treat with water, etc) they can to save a property before it catches on fire. Their last gasp effort is to coat the home in a fire-retardant/proof substance that is supposed to protect a home from the fire. The substance washes off with water after the fire is no longer present. I do not know if they do anything once a home has caught on fire. I guess they'll try and put it out if the house is still worth saving. But they're more likely to move on to the next house insured by the carrier if they can't save the one they're working on then. I haven't looked into the details in awhile but when these programs started 10+ years ago and only AIG and Chubb had the capability -- one had teams that were employees of the carrier (think that was AIG) and the other used private contractors who were vetted for quality, etc. Guess those were "private."
  9. Very well could be. Like I said, we're still at the "don't know shit about fuck" part of this disaster. That's how it works when there's a mortgage when the claim gets above a certain threshold. We had a water claim a couple of years back. Vault adjusted the claim and sent a check to us that we had to forward to the lender where it was held in escrow. I think we were given 1/3 of the overall claim check and then got the rest once we proved via video inspection we were doing the repairs we were supposed to be doing. At that point, First United released the remainder of the claim amount. Not exactly. If you think you have a claim, you file it with the carrier. Carrier sends adjustor out to look. Adjustor determines is there's hail damage and if so, the cost to repair or replace said damage. If the claim is denied you can go the third-party adjustor route. You pay for the third-party adjustor, who then does their own inspection. If the TPA feels that there's damage you can use that as evidence with the carrier to reconsider. If carrier still says no, all you're left with is taking legal action if you want.
  10. The $20B is estimated insured losses. Yes, the actual economic loss will be far greater than that because not everything is insurable, etc. Definitely -- assuming the new POTUS doesn't muddy the situation (trying to stay as CR-free as possible here). Hey @Sbbruin, remind me where your house is in the LA area? I know we've traded a few DMs regarding insurance over the years. Sorry if I missed it on this thread, was your house directly effected? Sounds like your neighborhood at an absolute minimum saw damage (maybe substantial).
  11. LA wildfires could cost $20B, doubling estimates https://www.insurancebusinessmag.com/us/news/catastrophe/la-wildfires-could-cost-20b-doubling-estimates-520017.aspx?hsmemberId=1024080&tu=55D7E01A-A2EE-4DD3-8B33-867AD97B08C1&utm_campaign=&utm_medium=20250110&_hsenc=p2ANqtz--LRBsGh3J9HFzspO-XwDOu281y8N477aHG5aClTLSgYPA0cadCz56zGEHFjNp8LyGd0yaKclxvtHUrLpdit9QIAfs9NLeRDvzQVIr15J0eEHXk8vA&_hsmi=341924171&utm_content=55D7E01A-A2EE-4DD3-8B33-867AD97B08C1&utm_source= Like I said, the numbers are gonna be all over the place but this article clearly states two numbers -- $20B in insurance industry losses and $50B in total economic losses related to the fires.
  12. I don't have any clients who do this but it might be worth seeing if you can schedule the most valuable items (if not the entire collection) on a personal articles floater with your carrier.
  13. Oh, and another insurance tip. One day when you're bored, get your phone and run a video of you opening the front door and walking into your home. Go into every room and film succinctly everything in the room. Just a quick scan of everything in the room. Open the closets and keep the video rolling. Narrate while you're doing it. Scan the hallways, the walls and go into the next room. Wash, rinse and repeat for every room in your house, including any back houses, garages, etc. Then upload this video into the cloud -- or put it on a thumb/zip drive and put it a safety deposit box or leave it at work. Anywhere off property. Update it occasionally. These videos are INVALUABLE tools if/when you have a situation where your house is a total loss and insurance gets involved. Nobody will be able to remember all the things they own, especially in the immediate aftermath of a traumatic situation where you've lost your home due to fire or tornado. (This is a reminder that I need to do the same thing and practice what I preach.)
  14. It obviously matters to turnip -- otherwise why would he have been doing all this legal wrangling to stop it. In the grand scheme of things, there is no real punishment per se but he is now officially a convicted and sentenced felon. He didn't have the fully-operational SCOTUS Death Star until the very end of his term. ACB took her seat a week before Biden kicked his ass in 2020. Kavanaugh got his two years before that in Oct 2018.
  15. Not a bad question. Generally speaking, you probably need to consider the source. If it comes from an insurance outlet, it's going to be talking about insured losses so it would not consider market value. That number means nothing to us. If it's CNN or another news outlet playing loose with their reporting, they might multiply the number of homes burned in an area and multiply it by the average value of a real estate transaction in the area and run with that number. It will be months before the insurance industry has a firm idea of what the total insured loss will be.
  16. Correct. The insured value on EVERY insurance policy covers the improvements only. The dirt is not insured. In California, the dirt is worth a substantial portion of the overall value of real estate. If you've been following the last few days, my second example of the a prospect we worked on in Montecito -- the actual value to rebuild his home is probably $5.5M or so give or take. However, if he were to sell that house/property he could probably get more than $10M. The insured value is only the value to rebuild the home. We fight with mortgage companies all the time because they don't understand this. They want coverage to at least match the amount of the loan -- well, that loan also includes the dirt and you don't insure the dirt because it isn't going anywhere. So, the article I posted is a little misleading -- not intentionally mind you. I'm not overly familiar with the Palisades area but I know there were a number of well-known celebs living in the area. The $4.6M number cited in that article includes the value of the land. For an example a little closer to home, lots in the Park Cities (Highland Park/University Park) generally start at $1M and increase substantially from there. You can definitely get in situations where the true cost to build a home is $500K-$750K (there aren't that many of these left) but the owner could probably get up to (or more) than $2M if they decided to sell.
  17. Article about the FAIR plan. Not to CR this but I would expect a government bailout from the current admin but have no clue what the new guy will do given his volatility. This is the first I’ve heard of assessments being on the table. https://www.thecentersquare.com/california/article_3f92d976-ce0a-11ef-9efc-bb80f6754a0d.amp.html
  18. I don’t think it’s a stretch to say OSU’s defense is better than Texas. It’s pretty much accepted that the Horns and Buckeyes are the two best and an argument can be made to list them 1-2 or 2-1 and you’re not entirely wrong.
  19. SC’s shitty defense kept allowing Fresno to score, which meant Reggie got to return KO’s all night to pad his all-purpose yardage total. I think it was around 500 but half of it was on KO returns. It was that performance that Bohls specifically pointed to for why he voted for Bush over VY for Heisman.
  20. Allar is a guy that (I guess) has the skills and the measurables the NFL wants but he can’t “play” quarterback. He was god-awful tonight. Leonard was much better in the second half but neither of these guys are anywhere close to Quinn when he’s healthy and playing well. Leonard’s running ability adds quite a bit to his effectiveness (I realize I’m not exactly breaking news there).
  21. If the last eight years have proven anything, it’s that we ain’t gonna get that lucky.
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