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In the event of a disaster that affects your home and property, what are your options?
11540 Harwin DrHouston, TX 77072
I believe there is a misnomer about having a front part women body augmentation. When people find out what I did they think I must not have gotten my monies worth because I am not voluptuous. That is why I am so happy. The physician really took the time to talk with me to find out what I wanted.…
11693 Westheimer RdHouston, TX 77077
5 stars! no questions asked! I eat here it feels like atleast once a week! Very clean! and i love the staff they are all very friendly. \r \r If you come eat here make sure you try the crab cakes and the asparagus! yummmmeeee!
11805 Westheimer RdHouston, TX 77077
I went 3 times to this salon and will never go back. I went for color and blow dry. The last time I went my stylist apparently forgot I was there. I had to remind her I still had color on my head. She rushed me through the washing and then informed me she had another client so she could not …
2631 S Dairy Ashford RdHouston, TX 77082
Received a fantastic, fresh, beautiful arrangement from this florist today (sent to me via FTD.com). So good to know there is a florist who totally guarantees satisfaction. My last experience with FTD.com was a disaster (another Houston florist).
12002 Richmond AveHouston, TX 77082
11805 Meadowglen LnHouston, TX 77082
Its a great place to live.Has friendly people. lots of activitys. nice 1,2 bedrooms and 1 bedroom +study. Has heated pool and spy. So come join us you will just fall in love and move right in and become apart of the family.All of our staff members are great people.Clemenica our community manager…
2910 Royal Oaks Club DrHouston, TX 77082
My daughter?s wedding reception was held at Royal Oaks Country Club on 2/26/2011 and I cannot say enough about their professionalism, attention to detail and help with vendors, not to mention their beautiful facility. Liz Esch, their catering & events director, is warm, helpful, competent and s…
In the event of a disaster that affects your home and property, what are your options?
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Talking about The Enclave at Copper Field Apartments, I would say three points: Great Customer Service, flexible Rental Policies, and Care for Residents.1- Vanessa Flores, Director of First Impression is the real Brand Ambassador for this apartment complex. Nearly one year ago, when I looked for an apartment that suited my family’s budget, I found the Enclave at Copperfield which was near my previous apartment, just 3 minutes away by car. When I first met Vanessa in her office, she offered me with her genuine and natural smile.Knowing my need to look for a 2-bedroom and 1-bathroom apt, she actively introduced me everything related to this type: from the surface, apt comforts, form of monthly payment to other fees, parking and other public benefits. She was very proactive, kind of “thought reader”. I just sat there speechless and listened with satisfaction. The conversation took place in a natural manner making me feel comfortable and happy.2- Flexible rental policy is another great point that I found at The Enclave at Copperfield. While other apartment complexes around rigidly ask customers to show a copy of apartment insurance policy and electricity lease, these are not initial requirements here3- The Management Team really cares for residents. Parking overloaded is always a lasting problem for nearly all apartment properties. To deal with this “lasting” problem, the Management coordinated with Capitol Wrecker, a towing company, to control the number of cars parking daily. All residents’ cars should be registered, otherwise, they will be towed away at the owner’s expense. Thanks to this action, all “unregistered cars” suddenly disappeared from the parking area, returning empty parking rooms for entitled residents.I feel happy to sign another one-year contract with the Enclave at Copperfield. This is a great place to live, although it is just temporary. I strongly recommend the Enclave at Copperfield to those who may be interested in.
I have lived at Chateaux since 2007. I love it here! Why? Because your not just another tenant or an apartment number. They know you by your first name. They care about their residents as if they were family. As a tenant/ office team we've helped other tenants having difficulty in one way or another whether it be a ride to the grocery store or Lakewood to checking on a neighbor, friend, fellow dog walker you haven't seen in a few days. The familiarity is what attracts me and keeps me here as a tenant. My prices go up like everyone else's and I vow to do whatever it takes to be able to continue in my beautiful cozy apartment. I have lived in four units and it's my experience no two units are exactly alike! Unique! I have never been robbed and my vehicle has never been broken into but it doesn't surprise me that it has happened. It's happens everywhere folks. There are some lazy pet owners that do not pick up after their dogs BUT there are dog bag stands all over the property. I have no problem picking up another dogs doo doo as well as my own dogs doo doo but hey that's me! Laundry rooms are everywhere. Maintenance comes in a timely manner. Often you'll find me in the clubhouse eating popcorn provided by Chateaux, surfing the internet on one of 6 computers. Gloria, Wayne, Eric, David and the blonde lady are wonderful. I love them and call them my friends
I do remember what they were like before the renovation and still I will stand behind recommending them to anyone else. I have had 3 friends move in the apartments who have either married or moved away for work and we still talk about the days we all lived there. I constantly have comments from visitors on how quiet and peaceful the apartments are. And I agree I live near the castle and I am not sure if I even have neighbors since I dont hear them. With that said, it has very friendly neighbors and it never fails that I am being waved hello or someone is saying good morning/afternoon as I pass them by when I am walking around. (I dont know them but its always nice to see a smiling face) I am not sure how many kids live in the complex but I have not seen many, but I can count them with one hand. DOGS! very cute ones too! they have dog friendly areas all around the complex. I know what the apartments looked like before and after and I can say they are a HUGE improvement, aesthetically speaking. Its unfortunate that some have not had my experience with these apartments, all I can say is that I have lived in other apartments and NONE have been perfect, but if you are looking for longevity and place to call home. (like I have) Chateux has it!
If you are considering this Villages of Briar Forest as your next apartment complex you may want to check out their policies on parking before you sign a lease. All visitors who do not have a permit permanently affixed to their car must park outside of the gates provided that they are lucky enough to get one of the few parking spots, approximately twenty parking spots for the over two hundred units in the complex, that are outside of the gate. Which means all of your guests will have to enter a code and walk through a large, dimly complex to reach your apartment. If they have to carry anything with them at all you will likely be meeting each your guests at the front gate and transporting them back to your apartment. Even if you have a frequent guest that you have a permit for they may have trouble parking anywhere near your apartment as the spaces within the gates are very limited as well, especially if you live towards the back of the complex. Should your guest decide to drive into the complex and park without a permit be forewarned that they are quite likely to be towed to the tune of $225 for a single day in the towing storage lot. If you do not plan on having anyone come to visit you this may be the apartment complex for you.
I am a single father with a 5 year old daughter and we have recently moved into 3737 hillcroft apts. I am pretty picky when it comes the safety and and well being of my child's surroundings and place we will call home. After researching and viewing many apts in the area and other apt complexes around I chose 3737 hillcroft apts. the office staff is very friendly and welcoming. Gabby Cardenas was an angel in the whole process of me determining where I was going to decide to make a home for me and my daughter. She went above and beyond the expectations I had received from other leasing offices and apt complexes in helping me get what I WANTED instead of what I had to settle for. (Unlike many other complexes I had previously viewed. She delivered on every promise that was made and some. She is a part of the NEW management company, Presidiumre, that has taken over on the complex and are doing great things already with the property. Can't wait to see what the future holds for me and my daughter as residents of this property. Highly recommend you give her a call and see what I am raving about. Make sure you ask for Gabby and I am sure you will be happy with the results!!
My wife and I moved into this property back in 2012 for our first apartment together. It was operated under different management at that time and although they were all friendly, the Berkshire Communities (current staff) is very professional and definitely easy to trust them as your landlord. In three years we never had a service request go longer than 48 hrs to repair (emergencies were handled immediately as well). The neighbors are all nice and ideal for any individuals whether your single, married, have a family, etc. Their pet policy is aligned with other properties and they provide many dog waste baskets around the grassy areas on property. The only negative comments we could make is the main gate malfunctions occasionally so be cautious of it's actions, as well as their could be more lighting throughout the visitors / 4th floor of the garage and exterior parking spaces inside the community. The property was very safe and the area is perfect if you're looking to live inside the 610 loop / Galleria / Bellaire area. Overall, my wife and I would recommend this property to anyone and we really enjoyed our stay at the Estates at Bellaire from July 2012 - Nov 2015.
In all the years I have lived here, I have never had my car or apartment broken into. I realize I am responsible for my own safety. I do feel safe living here. But I also realize that I live in the 4th largest city in the U.S. and crime is everywhere. You just do what you can to not become a victim. I urge everyone that reads this to go to the Houston Police Departments website and pull up crime stats.for different zip codes and include 77056. You will discover that every part of Houston has crime. I have friends that live in the Woodlands, The Heights, Sugarland, Katy, Meyerland, and here, and they tell me the same thing, CRIME IS EVERYWHERE! Again, you do what you can to protect yourself because no one can promise you that they are there to protect you. When people here have had their cars broken into in the past, it has been reported that they had left expensive items in their vehicles. I really think it is unfair for people to make my home sound like the ghetto when it is not. Chateaux Dijon is a wonderful place to live. Its sad that some people have personal issues that make the whole world look sour in their eyes. Thanks for your time!
When our previous State Farm agent relocated her office to another part of the city, we decided to look for a new agent located closer to our home. We called Manny’s office and were greeted by a very friendly and professional staff. We met with Manny in his office that same week to discuss transferring our policies, and adjusting our level of homeowners coverage due to a recent major renovation of our home. Manny was very attentive and had several good ideas as to how we could better calibrate our coverages and save some money. Especially helpful was his suggestion to have our remodeling contractor sign a certification statement confirming that our plumbing, electrical and heating & cooling systems had been updated. This suggestion alone resulted in a significant decrease in our annual homeowners premium!Any time we have a question about any of our eight State Farm policies (homeowners, 2-life, umbrella, 2-auto, personal articles, and long term disability), all we have to do is pick up the phone or email Manny…he is very accessible, extremely knowledgeable, and always quick to respond. We highly recommend Manny and his team!
I moved into Chateaux Dijon apartments back in 2011 when I relocated back to Texas. I lived there with my young son for 2.5 years. I loved it. I felt safe and it was within 2 miles of my job and my son's school. The staff was always nice and helpful, probably because I was always kind and respectful to them. The few and minor maintenance issues I had in those few years were resolved within a day or two. I had an opportunity to move into a house with a yard, in the same neighborhood, so I gave notice and moved out.Fast forward one year later, my landlord decided to increase my rent dramatically in keeping with the current market value of the neighborhood. It was an amount I could no longer afford, so I decided not to renew my lease. When deciding where to move to, and without a second thought, I applied back at Chateaux. The staff was so happy to have us back, and gladly showed me several units available. I opted for a larger town home this time around and I'm happy to report that I'll be moving back in early February. Although I'll miss having a yard, I know I'm moving back to a place that felt like home, with nice people around me.
I just recently moved to the community and so far things are not so bad. At first I was a little unsettle because the apartment I moved in was not what I expected in view of the model I had seen. However, after talking to Maria and completing my walk through sheet, maintenance came out remove the cabinet put more flooring, painted the wall, moved a couple of other things around and made some minor repairs I like the apartment much better. Plus I have a view of the pool. The home is smaller so I had to downsize but I probably needed that anyway. Maria was very helpful and very nice through the process. So far its been quite. My complaints are that I have to buy ice or ice trays because I don't have a frig that makes ice which I think is outdated. My upstairs neighbor really walks hard (LOL) I am downstairs. The entry gate is always open which means anyone at anytime can enter. And at sometime in future management should consider putting washer/dryers in the units. Otherwise I don't have anything negative to say about Fairfield Trails, I have only been here for a couple of weeks. Thanks
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.