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Easy Cellar

oleh Rosaria Wetzell (2020-07-22)


A note about deductibles Easy Cellar and property protection. After a hurricane, you will be expected to contribute an amount equal to your deductible towards preserving and protecting your property from further damage and towards making repairs. This amount of money can be substantial (upwards of 10% of the amount of your coverage) depending upon the deductible you selected when you purchased the policy. You should have that much money available to contribute. If you don't, then you may need to rethink the deductible you selected. Keep all receipts for labor and materials used to protect or repair your property "Actual Cash Value" versus "Replacement Cost" coverage. Unless you have purchased "Replacement Cost" coverage, your insurer will only reimburse you for the actual cash value ("ACV") of your damaged items. For example, you have a ten year old king size mattress. That mattress may be worth only $100.00. However, to buy a new king size mattress might cost you $1,500.00. If you have ACV coverage, then you get reimbursed $100.00. If you have Replacement Cost coverage, you get $1,500.00. Additionally, some policies require you to actually go out and replace the item before the insurer is obligated to pay you the Replacement Cost amount. As any of my friends and family knows I am an avid fan of ancient Egypt; in fact at one point as a young man I came very close to becoming an archeologist. The ancient Egyptian civilization was extremely advanced in the amount of knowledge they possessed concerning the human body. They become experts on the internal functions of the body by way of their mummification process. They fully understood most of the bodies internal organs since nowhere in their religious beliefs was it forbidden to open and examine a dead body. This allowed them the opportunity to completely study the various systems that made up the human cadaver.

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