What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
2133 W Dublin Granville RdColumbus, OH 43085
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In the event of a disaster that affects your home and property, what are your options?
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Consider Looking Elsewhere!Lived in Studio (1 1/2 years)Pros of Studio:All electric, with only a water bill you pay with rent.You may ask for a full size fridge.Efficient if you're in a crunch and need refuge for a year, tops.Application was accepted within a day.Friendly office staff, in my experience.Maintenance more efficient with new staff. Make sure you call your work orders in. If no one gets back to you within a week, talk to the office ladies. They're great!I have had no problems with crime, personally.Office always gives you at least 24 hour notice before they enter your unit, if able.Cons of Studio:It was NOT mentioned when I signed the lease that they had the contract with a towing company that could take my car... overnight at that!! I honestly thought my car had gotten stolen when I woke up to go to work.Constant maintenance issues. Sometimes maintenance is quick, sometimes not so much. I have never had emergency maintenance answer my call when needed at night or on weekends.Absolutely no reimbursements for problems involving hot water or tubs. If you can't shower for (x) reason(s), tough luck.Apartment had roaches, and fleas in the carpet from the stray cats outside that the tenants feed on the sidewalk RIGHT OUTSIDE MY UNIT. Some apartments have reported bed bugs.Mini fridge is... mini.Gas stove is very small.Few cabinets, and small amounts of counter space.SMALL sink for washing dishes.No baseboard heat or central air. All heating/cooling is through window/wall units that definitely do not heat up the small units during winter.Solicitors come frequently.Carpets look dirty and old, paint jobs are shoddy, electric bills are ridiculous during the winter time.Strangers have knocked on my door at 3 in the morning looking for previous tenants, neighbors, etc.Lights from cars and emergency vehicles wake you constantly if you don't have thick curtains.You hear EVERYTHING. People outside your window, talking, walking, playing music, etc.Exterminators may not come to your unit, even upon request.
CORPORATE SLUMLORDS! This place rents to 70 percent section eight clients and although there is no problem with that, they treat the area as if it were for the lowest of demographics of people. The outside maintenance is horrible! The pay one guy to cut grass for the entire property, he does not trim or blow grass from the sidewalks or parking areas. You'll find grass on your car and kicked up on you door as you come and go from your property. There are large weeks that grow between the cracks in the sidewalk and around the building that that they totally ignore. Your lucky to see the grass cut every two weeks at this place. Often times the trash dumpsters over flow days before trash pickups and no one picks it up until days after the collection. The management team is not forthright and will tell you anything to pacify you; they have more excuse for the condition of this place than a tenant who is two months behind on their rent. I took over 45 days for them make minor repairs upon my move in and some of the repairs are still not done after 90 days. The maintenance work is sloppy and often just a temporary fix. The neighborhood is highly ghetto and noisy and very prone to crime. Parking can sometimes be an issue; you will not always get to park near your apartment. There are unsightly tall weeds around every building in this place except for the ones facing the main street, they try to represent a false impression from the street view. Please, do a drive through and check this dump out! I could go on and on based on my first 90 days here but PLEASE, HEED MY WARNING, FIND ANOTHER PLACE TO LIVE. Your rent payments can do you a lot better than this dump! I'm out, lease up or not!
My son lived at Woodland Apt for 1 year. It was his first apartment so the office manager told him he needed a co-signer. I gladly co-signed for him. Everything was fine, He probably paid on time every month, then his lease expired and he moved out. That is when the drama started. The people in the rental office called him and told him he needed to pay an additional $75. My son never got back with them to pay the $75. Now at this point, anyone and everyone knows that a co-signer (ME!) is to pay it. However, the head office manager NEVER contacted me to inform me to pay the 75 one-dollar bills! Instead, she passed my name and my son’s name on to a Debt Collection Agency-which is bad for a person’s credit! After the Debt Collection Agency called me and I settled the matter, I went to confront her about this. I ask her why she did not simply pick up the phone and ask me for the measly $75. Her replies were-in my view, nothing but well-rehearsed excuses and alibies. All I wanted was a simple apology but she stubbornly refused. If you are considering moving here, my advice is this. A) Any questions you have, write them down ahead of your interview time with the office staff so that when you ask them your questions, record on your iPhone their replies so that you can transcribe their words and make them sign your contract before you go signing all of their contracts! B) After you move out, arrange to go with the person into your apartment where you lived that is inspecting it so that you can challenge every idem they decide to see as needing you to pay for. Other than that, the apartment complex is an absolutely nice place to live!
I've lived here with my best friend for almost 3 years, and we have had no issues. We did have a mouse at one point, and squirrels in the ceiling. Anytime I have an issue lthey take care of it immediately. Tamera is kind and has made both my housemate's stay and mine relatively great. I moved out here because it was pretty good price wise and yet close enough to campus while I worked on my masters at OSU. I drive a pretty new Mustang as does my boyfriend and our cars have always been left alone. I have LEDs under my car and my neighbors all know my car, when I'm at home and when I'm not. It is a quiet neighborhood, and maybe it's just the neighbors we have had, but we never hear the neighbors except when they walk up the wooden stairs that creak sometimes. The area surrounding these apartments can be dangerous, but I've always felt pretty safe in the complex I live. Everyone I live around is pretty friendly and some long time tenants know the area and keep an eye out on my vehicle and apartment when I'm not around. The fee to keep an animal monthly is reasonable, and my cat, Muffin, enjoys the back patio in the summer. The one thing I am not impressed by is the laundry facility, my clothes never come out smelling fresh and many of the machines eat coins and leave the clothes wet.
i moved in and found a bedbug. They sprayed the apartment three times. I was horrified but they did correct it. It's been two years haven't seen one. Roaches become your neighbors. But they spray every three months and check every ones apartment for bedbugs and pests. They will spray if u ask them to. But it's quiet. They fix everything same day. Don't charge u for anything. no hidden costs. Management is cool and down to earth. Nice apartments. Mine is perfect. Afraid to move again. I could have moved to another place and got bedbugs right off the bat and they may not have been so efficient. They could've charged me or let them run wild but they don't. Moving into any apartment you are taking a chance. But they fixed me up. They don't let nasty people stay nasty. They bleach laundry room and vacuum halls every week. Nice neighbors. Great pool. They Pay for water. I really don't want to leave haha. It's luxury. The $50 ncreade was okay because we are living good. I am always nervous if someone new moves in. Bed bug process is a complete headache nightmare. Most people don't have the issues I had. It's ok to move here just make sure you are clean. If you are a dirty person stay away from us! They will kick you out!!
My 2 sons live in a double at this complex. The apartment complex is clean, requests for any problem resolution seems speedy & pool facilities are amazing. There are alot of families but haven't had too many problems with kids & noise. Laundry facilities are kept well maintained and party rooms that are available for rental are a nice perk. Unfortunately my son's aren't the most tidy of individuals & the routine pest control measures have not been up to my standards simply due to my eldest son leaving his room a mess! As with any apartment complex, you will have those individuals that just hang around, not doing anything of any use to anyone except taking up space in the parking lot but no major issues and the management would take action if there were complaints.
Lived here for 4 years, LOVE when Kathy &- Bob was there! Once they left it all went down hill. A neighbor had moved out and they sprayed her apartment, then I started seeing the roaches. Begged for them to spray my apartment for roaches! They sprayed once, it didn't do a Damn thing. Got another set if new management tland i had asked her twice if she would spary. She asked for my address wrote it down, but never sprayed. A month after that i had asked yet aain, a little irritated that i had already asked twice and still NOTHING. Her response was "There is a way to ask for something, and I have never seen you before so I know I didn't put a work order in for you." Not only was that a LIE but I had finally had enough. I left. I wouldn't recommend anyone live there!!!!
Just moved out. I was there for 2 years...first year was great! The second year the neighbors weren't so quite. Management took the proper steps in handling concerns. The second year my main concerns were:1. Maintenance guy is great but only has 1 man for the entire complex so my final few request were not taken care of.2. Heating unit is dated-electric bill was outrageous. It was the first year. I knew how to approach the cold weather the following year. It also helped that maintenance put in a new unit.3. Applicants are questionable (please do your research)4. Deposit ( you'll be informed that your deposit will be forwarded a month after you move out). My move out date was Nov 1st..it is now Dec 17th and no deposit and yes, I've followed up with management...twice.
Lauren, Ella and Pat do a consistent customer-service-oriented job here--and all are pro-active, helpful, accommodating and driven to make your residency pleasant. Don, the maintenance guy, goes above and beyond the call of duty with a great attitude for any issue that needs attention. Utilities are very inexpensive here, and their pet policy is liberal as long as you remain within the guidelines. It is quiet (except for the Kroger delivery trucks on the north end of the complex) and the garbage trucks that empty the dumpsters during the week. But otherwise it's the best-operated complex of this genre in the area. We've been (and intend to remain) residents here for 2 years and re-upping next month.
Moved into this place on the day they told me it would be ready and it wasn't. I am still fighting trying to get things that should have been done completed. I have given my requests for service so many times and nothing has happen. Everything is suppose to be upgraded and I got this old dirty ass stove that I hate cooking with. They tell you whatever to get you in but don't fulfill their part once they get you here. Amazing how they were able to put up Christmas decorations but not do what is asked from the people who pay them. Space is great and it's a great community. However the lack of help and follow-through from rental office makes this a bad rating. They aren't really about the people.
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.