What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
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…
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When I first started renting with Cole Property Management, they were nice and friendly. Then I moved in, and they immediately started talking down to me and treating me like a child. Things got a little better, but they stopped responding to maintenance requests (My front door was broken, never got fixed). The first day we moved in, we flushed the toilet and it all came leaking downstairs onto my furniture. They clearly do not care for their properties. When they did finally respond to one maintenance request, their maintenance man tracked mud all over my rugs and ruined them, and they did nothing to compensate me, and simply gave me an apology. To top it all off, they then came into my apartment illegally, and made an excuse that they had called the previous tenants (shouldn't you know who is renting, and shouldn't you double check the file for the correct number?). When property was stolen from me during one of the apartment showings, they also did nothing to help. I will never encourage anyone to rent from them, unless they appreciate being talked down to, taken advantage of, and have their privacy invaded. Finally, they left a light on in the basement when they showed our apartment and our electric bill was $90, because we had no idea.
The management and the maintenance will ignore your issues. Our apartment flooded on December 16 and they have yet to take care of our issues. We have filled out several reports and called, but to no avail. We have been told, “we don’t have time to fix it;” “we don’t know when we can get it done;” and, because part of our ceiling is falling in, “it seems like you’re concerned because your apartment is unsightly.” It’s been six weeks and no plan of action has been drawn up. We are looking for a new place to live.
I suggest not renting from this company as some of the things in the lease agreement are not legal considering indiana landlord tenant laws. They require you to pay to have a professional clean the carpet upon moving out or they will charge you for it, they charge ridiculous amounts for normal wear and tear/cleaning and do not expect to receive your full deposit. We paid a professional from Stanley steemer 120$ to clean the carpets and I spent a lot of time cleaning the apartment, and they still charged us 85$ for carpet cleaning!!! When we submitted a receipt to them upon moving out! And 150$ for cleaning! There was nothing to clean really. I spent so much time using baking soda and vinegar in the oven, doing what I could to get the stand up shower to look pristine, and just cleaning random stuff that goes unnoticed with furniture. It was a one bedroom apartment. There is no way it was 150 worth of cleaning. We called themLAST WEEK to sort it out and they still haven't gotten back to us. Don't waste your time and effort on this company, they will do what they can to rob you. It's pitiful that they can treat tenants that always paid on time and are clean and responsible this way. They made us go months with a leaky ceiling on top of it all, and I bet you they never repaired it for the next tenant. They probably patched it over once more and let the mold go. All i can say that's good about the place is that Kathy is nice. She showed us places and was very friendly.
This has been the worst people to rent from. I have been a renter for almost 10 years and never had any problems until this past year. No matter how well you clean your apartment when you move out they will take your entire security deposit. Then when they send you an itemized receipt the math will not add up. When you email them questions they avoid them, threaten you, and basically call you a liar. DO NOT RENT FROM THEM. Many people are frustrated with their lack of professionalism. If you are currently renting from them get everything in writing and take photos of EVERYTHING, even if you think it will not matter. I wish I took a video of when I had to plunge the sink in the bathroom because it kept clogging. It looked like an entire wig came out of that drain from the years past. That was after only living there for 3 months. Maintenance will not give you notice when they are working on your apartment. You will not get 24 hour notice when they are going to show your place or a cancellation notice. And you will be paying way too much to live next to drug dealers.Read all the reviews on Google and you will notice how many low ratings they have been getting recently.
Great company! Great Staff! Always helpful and the maintenance does a great job taking care of issues in a timely manner!
The manager of Titan is one of the most rude, unprofessional people I have ever encountered. If you like being yelled at, insulted, cut off, and personally criticized then this is the manager and company you want to deal with. The manager is not willing to work with you and "doesnt feel like dealing with the paperwork" in order to try and help you. Despite paying for a full month of rent, you will not be able stay until the end of the month (well some people are allowed to stay, it depends on the managers mood). No matter how many maintenance request you put in, things will not be fixed. The apartments are riddled with mold and mice. All I am saying is it would be wise to rent elsewhere.
Nikki is very professional and nice. Great service would recommend her to anyone looking for insurance
They do not take care of there tenants we lived in a house that had mold for three months and when I went and told them about it they intimidated me to leave the building they then came THE DAY RENT WAS DUE to fix it and when I told them that I would have rent THEY EVICTED ME THR DAY RENT WAS DUE And said that we were the ones that caused the mold the toilet overflew EVERY time we used it and when we went to our landlord to tell him our upstairs bathroom was overflowing he told us we are on a one story it would leak so bad that it caused water damage on the downstairs walls and on the stairs pics below are proof of this
Very hard working and caring staff. These people have been in the business for 20 years and know what they are doing!!! This company has certain standards and will NOT manage slumlord properties. Thank you for being a stand up business, you don't get much of that anymore.
The absolute WORST property management company I've dealt with in my entire life. If you ever make the mistake of signing up with these guys, rest assured, they'll charge you a lot even after deciding you won't resign the lease. Why ? They'll say your apartment was dirty, the blinds were broken, the bathroom was dirty, the fridge was dirty, the slabs were dirty DESPITE the fact that you would've given them a CLEAN apartment back. They are the absolute WORST. DO NOT, I REPEAT, DO NOT sign up with these guys. Why do I even have to give these slumlords a star ?
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.