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In the event of a disaster that affects your home and property, what are your options?
1447 Peachtree St NE Ste 550Atlanta, GA 30309
Bryan Baer handled my case personally and was awesome!! I read a lot of reviews n have personal acquaintances that say it takes years to get ur mone…
3300 Northeast Expy NEAtlanta, GA 30341
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
It is with a happy heart that I write of my wonderful experience with Foundation Financial Group during a recent refinancing of my mortgage. And, primarily, my satisfaction and joy was dealing with your very competent employees: Lauren Hill and Susannah Ruby.From the very first phone call, Lauren presented herself as an exceptional professional with seasoned interpersonal skills. I had actually been working with another company when I received Lauren's phone call from Foundation Financial Group. I had dealt with and ignored many calls from lending institutions in the several days since I had applied on-line and was satisfied with the proposal that I had been granted. But, Lauren's manner was immediately attractive and she was determined that she could make me a better offer. The more I spoke with her, the more I realized how much more thorough and knowledgeable she was than the company than I was already working with.Lauren and Susannah spent countless hours on my refinance and often worked well into the evening. It was not unusual to receive emails and phone calls at 7:30 in the evening.I was particularly touched by the very personal way that they handled a family crisis during the refinance period. My elderly mother was in the hospital out of state and I needed to be there. There were many documents that your office needed from me in order to continue the process. I had no choice but to abandon my end of things and go to GA to care for my mom. Lauren and Susannah were genuinely compassionate and encouraging about the situations. I have no doubt that this interruption caused hardships on the time-line that they were working with, but they both handled it so gracefully and with genuine concern for my family.The most pleasant part of the work was actually forging a relationship with these two young women. Putting your finances in the hands of someone whom you've never met could be a daunting process, but Lauren continued to educate me at every turn. She was always contrasting how Foundation Financial Group does the process and emphasizing the thoroughness that each client receives as opposed to some other companies. She completely put me at ease with my questions and answered them in a way that a "lay" person could understand.Certainly one expects a strong understanding of the financial endeavors that she is engaged in, but Lauren offered so much more. She was efficient and smart but also so very human and fun. I particularly enjoy conversation and often we shared part of our personal lives. It was just so easy to relax and know that she was truly motivated to get the best plan for me that she could. My expectations of the refinance were exceeded and in a time-line far quicker than I though possible.I spoke with Susannah less but again, was so very impressed with her abilities. She had a delightful sense of humor and it was so fun to relate on a personal level that went beyond the "basics" of transferring information. I think she and Lauren have a synergy between them that would put anyone with a financial need at ease.Thank you very kindly for such a stress free experience. It was amazing to have the notary even come to my house for the signing of the multitude of papers instead of my going to her. Also, the appraisal team that you selected for the area was equally competent and personable.ALL the way around, from the first phone call to Lauren's very kind personal note of appreciation at the end of the work, Foundation Financial Group impressed me on the highest level. I will gladly refer anyone that I may to do business with you.
So let me start off by saying that I have read every review on the sites my review is posted. Every single one has given this firm the maximum rating possible. That fact alone should reason enough for anyone with a traumatic life event occur that was not their fault to have Kalka and Baer work for them. I was severely injured in a car accident due to absolutely no fault of my own. After reading amazing praise from reviewers on a few legal sites I decided to call them. Upon first meeting with Anthony Kalka at my home, as I was bed-ridden, he instantly made me feel relaxed. Mr Kalka and the other members of the firm throughout my dealings with them were always well informed, courteous, helpful beyond expectations. I also never felt pressured by them to do anything I didn't think was right and felt in control of my case. Nor was there any time that I could not reach Tony personally If had any questions. Due to the unbelievable work that Kalka and Baer did preparing for mediation with the insurance company, the proceedings went better than I could have ever dreamed. Mr. Kalka provided video testimony, detailed medical drawings, expert opinions, and a demand letter that was perfect. Thanks to these things and my legal team's diligence, I reached a settlement that was light years away from what I would have received from the insurance company without Kalka and Baer's help. I can't overstate how awesome these people are. If my review and every other perfectly scored review on this site don't convince you to have Kalka and Baer work for you, then I wish you good luck. Because you will not find a law firm that will do the things the wonderful people here will do for you and your case.
Wow, Where do I begin? How about... that I am truly “thrilled” with the outcome of my debt collection lawsuit!Thanks to the diligence and professionalism of Dan DeWoskin and his tireless and insightful paralegal, Jill Sheridan, I can finally rest with funds still in the bank. I honestly tried fighting my lawsuit on my own, Pro Se, but soon realized that I had wasted much needed energy and time and would most likely suffer wage garnishment, without the help of a lawyer. Luckily, while attending a free Consumer Education Clinic on Debt Collection in Decatur, GA, I met Dan DeWoskin and Jill Sheridan volunteering at the event. There, they took an interest in my case, and helped me to understand and navigate the web of the litigation process. By the time I left the Clinic, I realized that they are truly for the consumer, and had scheduled a consultation with Dan that very next day! The consultation was informative, thorough, and reassuring. My case was broken down step by step, with all the possible outcomes clearly explained. Dan and Jill also kept me informed with phone calls and emails throughout the process, all the way down to the Dismissal with Prejudice. There is NO DOUBT that without the help and expertise of Dan DeWoskin and Jill Sheridan the outcome of my case would have been drastically different. Thanks again Dan and Jill, I will be recommending you to my family friends and co-workers throughout the state of Georgia!!Gena - Debt Defense Client - Conyers, GA
My experience working with Tony Kalka and Alfred Evans at Kalka & Baer LLC, has truly been a blessing. The process was seamless. When I initially had the accident I didn’t think I would need an attorney. As the pain continued to progress to the point where I needed numerous procedures, I went to AVVO.com to make sure I selected the right firm. Skeptical about dealing with attorneys from past experiences, I met with several attorneys before actually selecting one. Since the day I signed the retainer with Tony and Alfred I had not one concern with the advice or service. They make a remarkable team. They were always available, very knowledgeable, and professional. They made sure they were very thorough and explained every little detail. They were very personable and empathetic, which was exhibited throughout the case. When it came down to structuring my settlement, they put me in the perfect position and they were very transparent and diligent, in not just getting the best settlement offer, but also reducing my liability such as medical bills, etc. This firm is very well respected in the industry and because of that they were able to settle my case within the first 30 days of the demand letter. Before you select any attorney, meet with Tony and Alfred at Kalka & Baer LLC and I am sure you will go with this firm, and understand why they are among the most respected and prestigious lawyers and law firm in the Greater Atlanta Area. ~ Ron H. Atlanta, GA
From the beginning, 7 days after my accident, Tony Kalka was the most professional and concerned attorney I had spoke with. Due to my injuries, Mr. Kalka met with me at my home. He was very candid and open with me, and no question I had went unanswered. Immediately I felt comfortable with him.My case went on for the better part of a year, all the while, he and his associates worked on building my case. Tony was also very instrumental in assisting me with managing my finances and getting the best medical care at the time. The due diligence exemplified by Tony Kalka and his staff is top notch, and, I feel, unsurpassed by not a single law firm in the Atlanta, or surrounding area! I owe total success in the case to his patience and understanding of all the intricacies involved with my accident. His knowledgeable staff is friendly and on top of everything. The efforts put forth by Tony and his colleagues allowed me to concentrate on my physical and mental recovery. I placed it all in his hands, and I was not let down!I have grown to look at Tony as a friend, and will use Kalka and Baer law firm in an instant in the future. Tony will not let you down; if you go in open minded, listen to what he says and follow his direction. I have and will continue to recommend Kalka and Baer as the premier injury trial attorneys in this region!
I am pleased to offer this recommendation for the Dewoskin Law Firm. I recently had the misfortune of being subject to a claim/dispute brought in Dekalb County, Georgia. As a non-Georgia resident, this served to further exacerbate an already multi-faceted and complex litigation. Considerations of jurisdiction and venue further compounded our defense strategies, making an efficient use of time and resource management paramount. Undaunted by the size or reputation of opposing counsel’s firm, Attorney Dewoskin and his team, worked tirelessly as dedicated advocates. Throughout the entire litigation process, Dan Dewoskin and Jill Sheridan were most responsive – oftentimes responding to my emails and phone calls from different time-zones, after business hours and/or during weekends. In the face of a very aggressive and ardent opposition, The Dewoskin Firm, possessed the skill set, dedication and experience to protect my interests in this transaction. The marriage of skill coupled with the efficient use of all available resources, led to a victorious resolution. The Dewoskin team was very compassionate and supportive, providing me with an unparalleled and assertive representation. I am very happy to have entrusted them with this matter.
I am writing this letter on behalf of my husband, Johnathon Bell and myself regarding our recent re-financing of our mortgage loan. We would like to say that we were very pleased with the quick and simple process that we encountered with your company, and in particular the manager, Daniel Sessions. We have re-financed before, and it was a long, drawn-out process, and very frustrating, so we were hesitant to do it again, particularly with an on-line company. However, after inquiring on-line about rates we were contacted by Scott, from your company, almost instantly. After Scott got all of our information he put us right in contact with his manager, Daniel, who assured us that he would try and get our loan done within 15 days, which we found impressive, but not quite believable! We did our part, getting the papers and verifications to him next day, and found him to be very professional and personable when we visited your offices. Furthermore, we were pleasantly shocked when everything went without hassle and we were ready to close in LESS that that original 15 day quote. We would definitely recommend your company to anyone we speak to about mortgage loans. Thank you for making our re-finance a pleasant experience.
Shucheng Xu Agency with American Family Insurance is providing very competitive insurance rates for auto, home, business, and life. We are also providing the best customer services to all kinds of customers. We have a lot of discounts for auto and home insurance:Auto Discounts: Multiply vehicle discount, good driver discount, defensive driver discount, good student discount, new auto discount, 50+ age discount, and teen safe driver & young volunteer discount. Home Discounts: New home discount, home purchased discount, home security & fire protection discount, age of customer discount, home/auto combined discount.Both of Auto and home policies provide New Customer, Full payment, and early bird discounts.Our company also provides wonderful life insurance products including Term (10 years, 20 years, and 30 years), Whole Life, and MyLife Flexible. For whom have auto policies in our company, we provide SimplyProtected Term life insurance with large range of ages (18 to 60 year old) and minimal health questions. It is so easy to have a dream to protect your family and reserve education fund for your kids.
Hi Megan, just wanted to let you know how much we appreciated the way you handled our application with Foundation Financial.From the beginning, you convinced us that Foundation Financial, because of your open, truthful, consistent and determined efforts was the right choice for us. You listened to us, confirmed our needs and chose the correct product for us. I know that there were a few days during the course of our project where, because of my schedule, I was a little overtaxed with your requests. You remained very professional, understanding and helpful never the less, and you got us through the process in record time.We were offered very competitive products by our own bank and others, but no one else showed the interest in our business, and offered as much of themselves, as you did Megan. The savings on the home insurance package you offered (nearly 50 percent off!) was sensational.Thanks again for all your help. Best wishes for your continued success . You obviously love your work and with your work ethic and dedication, you are sure to continue doing well.
I recently found myself in the need for legal representation due to a meritless debt collection lawsuit. I met with three lawyers prior to contacting DeWoskin Law Firm and all three meetings left me more desperate and confused. I called Dan’s office from the parking lot of another firm and we spoke for twenty minutes. I instantly knew DeWoskin Law Firm was going to be my choice. Dan was confident and it was evident he knew his stuff. We scheduled a meeting later that day to discuss my case in more detail. Upon arriving, I met Jill Sheridan, his paralegal. Jill was such a breath of fresh air. While waiting for Dan to return from court, she explained the process and put my nerves at ease. I provided all the documentation I had and left everything else up to them. Dan and Jill are definitely there for the consumer. They always kept me up-to-date and I was thrilled to receive a call from Dan letting me know we won. If I ever need legal representation again they will definitely have my business.Natalie B. – Hiram, GA
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.