Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Home security comprises a number of different technologies, tools and techniques. Choose one that fits your needs and your budget.
Update 12/10/13: This clown below me is stating the obvious when construction is taking place. It's probably the last property manager posting below as they the management team were not invited back after interviewing for their positions they had, so pretty much they were fired. I've lived here for a 1.5 years and all I can say it's much better now than before. This liar below my review probably has issues due to not paying on time or something else, he or she is complaining about how much the rent is? They are giving move in discounts as well as assuring (my) rent wouldn't go up more than it did last renewal which was low. They don't want everyone just moving out if they jack the price up. Common sense would tell you that. Obviously he or she doesn't have it. The trash compactor in ALMOST all apartment complexs have issues. They even bought a new one here that locks and compacts the trash when it locks. So im not sure what the reviewer is talking about. All complex's are going to have people that find complaining to post, like above. All i'm saying is, I might renew and this is a real review NOT from the office. I will say since I recently posted, the only thing I find annoying is the new maintenance supervisor is not as good as the last one and they are slower to fix things. What the reviewer also stated, about the roads needing to be repaved is completely twisting the truth. It DID make sense that they repaved the complex in Dec. instead of month ago because of the trucks. That's a logical answer. So I disagree completely. The management team is actually good and very professional. Complete 180 from the last terrible management team. BTW, you can now pay your rent online without a fee unlike before. ----------------------------------------------------------- I'm giving this a 4 out of 5, it's under construction and they are making major improvements everywhere. I'm very impressed. Not sure why some renters are complaining to management about noise, you obviously are going to have noise for awhile, when you are redoing the entire complex!!!!! Have a open mind please!. It needs to be done. One of the reasons people were not renewing their leases was because the past owners barely kept it going and just repaired things. Did not care what the place looked like. I liked the price and the size of the townhouse was my reason. I disliked Sharon and Amy the managers. Absoutely terrible overall no need to get into details as they were FIRED. The new management team is 100X's better. I used to not like walking in the complex office, now I look forward to saying hello. The customer service alone has improved 100X's as well. That alone has me now thinking of renewing. The past management team would not take care of a major issue with my carpet (massive carpet cleaner used) from the last tenants. I brought it up to the new management team and I receive a call letting me know they are replacing free of charge and right away. It's also much nicer. They are just nice and keep their promises so far. The owners who I obviously haven't met are doing the right thing and redoing the entire complex from painting to new roofs, new siding, new pools, new playground (MUCH NEEDED) new fencing and more. I had complaints before but not now at all. Great job so far!
I lived at Bell for one year and the first 3 months were great. The entire staff seemed really nice and helpful. However, for the remaining 9 months and including the move-out I was extremely disappointed with the lack of professionalism and blatant lack of concern for the tenants. Our downstairs neighbor was a heavy smoker, and despite closing our doors and windows the smoke smell would come into our apartment several times a week. At first management offered to install a filter, which helped if we ran the air. But eventually it stopped being effective. We complained to management several times and finally were told that they did not know where the smoke was coming from. Secondly, regarding this same neighbor we had issues with, the staff handled the entire situation very unprofessionally. I heard the manager Sonny on the phone ( our neighbor always had her phone on speaker) telling our neighbor that we were at fault and would apologize to her. Then we would receive a call from Sonny the same day apologizing and calling our neighbor "crazy." Management not only failed to resolve the problems, but made it worse. As for your noise levels, be very careful. In a span of 6 weeks our neighbor called the apartment officer with noise complaints at least 2 times. The first time I was sleeping alone in my apartment at 3am when i was woken up and the second time was while my roommate and myself were studying. Despite the officer apologizing to us, we still received phone calls on Monday morning from staff reprimanding us for our noise. During one conversation Sonny told my roommate to "shut her bedroom drawers quieter." Unfortunately though there were no bedroom drawers to "shut quieter" in the apartment. However, despite our terrible time at Bell, I still didn't want to say anything bad. Unfortunately upon move-out I think it's Importent to make current and potential residents aware. Our apartment was occupied for two years by my roommate and myself. Assuming that we walk on our floor everyday, there is a degree of normal wear and tear that is expected. However charging over $500 upon move-out Was alarming. They charged us $90 alone to "clean the tile and grout. " And over $400 for a carpet replacement. I understand that other apartment complexes deep clean carpets, repaint walls, and clean the tiles/floors before they turn over every apartment and this is just a common practice that does not require charging the previous tenant. Unfortunately at Bell, it appears as if move-out fees are high all across the board. Check out apartmentratings.com for other reviews as well. If you are living here currently, good luck! But to those deciding, Jacksonville offers plenty of beautiful apartments, with similar pricing to Bell, but with half of the grief. I will admit though, Waffle breakfasts on Saturday were great and the maintenance guys are awesome!
This is a beautiful place to live. All staff is easy to work with and I appreciate them all. I hardly remember names unless people do something to make it memorable to me and that can be something good or bad. In this case it is incredibly good...and all that I share is done with a smile on my face. With that said, I remember Jennifer who is the manager because she was extremely kind and professional when I was in need of help. I can't forget Nikki because of her professionalism and willingness to help. I made a point to find out Edgar's name because of all of his hard work. Whenever I have had something wrong during the past 2 years I have lived here he has been excellent. He has a good attitude and fixes whatever I need done. Matt goes above and beyond when providing service and he really impresses me. I love Matt's personality, he is that someone that anyone would love to have on their team. He is thoughtful, hardworking, kind and extremely professional. I haven't needed any major repairs because this is a great place but when I needed to have shelves reinforced, closet doors realigned (because I was too rough), filters changed, additional smoke detectors, extermination, an electrical glitch, my bathtub re-done, stopping of a leak...all normal things that happen in day to day life. They have been there. Nikki drew up the works orders quickly, efficiently and everything ran like clockwork each and every time. So in addition to living in a nice place you have the assurance of knowing that your needs will be met in a timely manner. The work will be completed by dependable, hardworking maintenance men with great attitudes. Attitude matters the most because good customer service is hard to find and if you are like me always appreciated!!! Thank you Bella Terrazza! I will spread my review around because I am happy. Otherwise I would not take the time so believe me, I am pleased and highly satisfied.
Very sorry this dyson customer was upset there are two side of the story I talk to the customer on the phone he was using profane language that’s why I ended the phone call some people are vindictive I like dyson vacuum cleaner that why I am dyson service center I am warranty service center for many manufactures most vacuum store do not want to do warranty repair I am the only vacuum center that does dyson warranty repair in Jacksonville repairs and ordering parts take time I have been working in this business for 50 years I do good quality works at a fair price there was a dyson warranty service center in orange park who gave it up I ask why he told me he did not need the grief and the abuse from customer when my water cooler broke under warranty the center told me three weeks to just to look at I understand that repair takes time. I paid a man to build me a computer, I paid upfront and it took him five weeks to do it. I know repair takes time. Why did take him so long? Because he has a lot work and he is good at what he does and he takes time. The same goes for me: I take time in my repair work because I do good work at a fair price I work on thousands of thousands vacuum cleaners every year and have many happy customers. Some people are not happy or just bored to where they want to start fights. We do not fight with our customers. I forgive those whose trespass against me. We always tell our customers to have a bless day. I run a Christian business with Christian values. Michael Kelly VP of Allstate Vacuum Cleaner Company. Revised 3/1/14
100 times better than Chase oaks, where to begin? Well the new company that owns this property and other's buy struggling properties. I have been here when it was Chase oaks and it was horrible inside and out as well as the management. Maintenance has always been pretty good. 1. Getting rid of Shannon the manager made things better right off the bat. 2. New Manager Dustin is the complete opposite of her. Very understanding, keeps his word. Honest and just is a good person. Seems like the rest of the office staff follows his lead. 3. Maintenance manager has changed a bit but I noticed the service is more organized under Dustin's leadership. 4. It's just CLEANER NOW! especially the dumpster. 5. The biggest one, IT'S A NEW COMPLEX. They re-did everything besides the playground. Everything is new. It took a little over a year but wow! It's so much nicer and I didn't mind paying a little more when my rent renewed. I won't be staying after my new 7 month lease is over but I would of moved out two years ago if this change(s) didn't happen. 6. Increasing the rate AND A OVER NIGHT ARMED GUARD. Helped get rid of the rift raft. I don't see shady people when i'm walking my dog at night like I did in the past. Yes I would only suggest since i've been living here is assigned parking, but there are always available spots. It's never jammed packed...so you have to walk a little bit. BIG DEAL!
In regard to the complaint filed by resident Johneisha. Resident 1st reported her AC problem to our Leasing Office on May 20, 2013 that was resolved same date. Additonal call received 5/23 late PM, due to current weather conditions our staff reponded the next business day resolving the matter. On May 30, resident called again late PM, my staff responded next business day finding the air handler stopped working which was a separate issue from her 1st call. Our staff immediately called our Vendor, part had to be ordered and matter was resolved on June 3, 2013. Due to the location of this apartment the windows could be opened. My staff was very apologetic during this time frame and offered the resident a portable unit, that was declined. Resident was then informed to open all windows and utilize her ceiling fans. Current weather conditions during this time frame were low 80's during the day with a variance of 60's in the evening. The Oaks has and will always handle AC issues and any other concerns in a professional manner and resolve the matter ASAP.
My boyfriend and I have wanted a dog for the past few months but we didn't know if we should purchase a pure breed or adopt a rescue. We had always heard that shelter dogs were difficult and the facilities were rough. Although it was hard to see so many animals in need, when we first visited the humane society, we had no doubt in our mind that rescuing is the best choice. The staff were extremely helpful from finances, what we should expect, what type of dog personality would best fit us and if we were truly prepared to be owners. We finally purchased a sweet lab/beagle mix 2 days ago. The vet facilities at JHS have been treating her for heart worms and demodex. JHS gave us vouchers for her treatment of both conditions so that it would be no cost to us. It's most certainly a process getting her to trust us, but I think adopting a new pure breed puppy would have been more expensive and harder to train. I highly recommend JHS to all who are interested in adopting!
Prior to moving into the apartment 1)*someone* who has never been identified (police say it was 99% maintenance personnel) came into the apartment and used the toilet and *left it* in the toilet. Office personnel deny any involvement, but changed our keys 2) downstairs neighbor calls the Jacksonville Sheriff's office to complain about noise, and yes, the police show up to ask if we will stop walking and just sit and do nothing. 3) just came back from running errands and a notice from the office on the door stating they have confiscated the valet trash can due to it not being brought back in to the apt in a timely manner. They could've sent a text, or an email as a courtesy reminder but didn't. 4) the pool water isn't kept clean, you can see hair and debris floating around 5) the so called security gates are hardly ever closed when they're supposed to be. Giving 2 stars because of the nice faces in the office and the pleasant demeanor they exhibit!!!!
First of all, let me start out by referencing the rating that was posted by haloola99, dated 08/19/2009. That was the old management that existed when Atlantic Crossing first opened to start leasing and I agree a bad experience; however, the new management team that we have now is awesome. They are very pleasant, easy to talk to, and committed to making and having a connected community. They communicate via physical, emails, and newsletters. They often ask what could they do to make your stay pleasant as well as what ideas you may have to contribute. They host events so that the community can meet and know each other like a family. Also, maintenance is very timely and efficient. The apartments are like homes. They are color cordinated with beautiful paints and trims. The bathrooms are roomy and I love the separate dining room/living room look. The landscaping is very nice and well kept also. Thanks for reading DB
My son was visiting from out of town and always likes to go to different restaurants. I had heard through the "grapevine" about this new restaurant and we came from west side of Jacksonville just to eat there. A couple of times in past I had been to same location when it was a seafood restaurant and decorated with fish etc. Was surprised how nice it looked with fresh paint and decorations. Linda was there and welcomed us. I had traditional breakfast and my son had scotch eggs with grits etc. His eggs were a surprize to him. Hard boiled eggs inside saurage shaped like an egg. Surprize when you cut into it. He said it was delicious. Wonderful biscuits. I loved my breakfast and he loved his too. Generous portions and prices very reasonable. I will be back to enjoy again.
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.