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…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
The Availability of Staff is Awesome! The office was always very pleasant. They were available when we needed them to answer our questions.
I've been getting insurance here for a while now. No complaints. I often get messages saying they need more information, I never really respond to those.
Our latest experience with Nanette from State Farm was when our car wouldn't start when we went out for dinner. We called State Farm & they sent out a roadside assistance person who determined that it wasn't our battery & we would need to be towed. State Farm made arrangements to have our car towed to our dealership the next morning.
They we're really amazing they helped me with my auto loan and the whole time. I felt that they really appreciated me doing my my business with them.
I experienced a number of different issues with this agency. The biggest problem was that they grossly under quoted me for a personal articles policy (wedding rings). In December of 2013 my policy with Nationwide expired, and so I decided to transfer the policy to State Farm because my auto and renters insurance was transferred to them earlier in the year. When I called Erik's office for a quote, the receptionist/secretary had me send in my appraisals for the rings, worth just under $13,000. The woman on the phone said, "Any articles $13,000 or below only costs $30 for an annual premium." I thought this sounded too good to be true, but why argue?They write up the policy and the rings are covered for a year, but actually until late January. Without ANY phone call or e-mail, I randomly get this bill in the mail for $86 with no explanation as to why I was getting it, stating I must pay the bill within 1 month or my personal articles policy will expire in the beginning of March. Confused and surely thinking this was a mistake, I call Erik's agency. I specifically ask to be transferred to Erik (mind you this is the first time I ever actually spoke to Erik even though I had been his customer for nearly a year). Erik told me he would look into it and get back to me.Two weeks pass and no word from Erik, so of course I call back because my payment deadline for this bogus $86 is approaching, I am set to leave the country for my wedding in a couple days, and I do not want my rings to go uncovered. I reach his secretary and she states he is on the phone and he will call me back in a minute. I get a phone call about five minutes later from the secretary and she said Erik had to leave after he got off the phone (it was around lunch time). The woman stated, "State Farm will not let us change the quote because you have articles at a value around $13,000 and to pay only $30 for an annual premium just isn't going to happen. If you cannot pay by March 4th, your policy will expire on March 10th." Um, excuse me? You are the ones who under quoted me. How is this my problem?An unexpected bill for $86 on top of the $30 I already paid for the policy was not welcome news or very manageable. My total bill was now $116, nearly 400% of the original quote. The agency should have assumed responsibility and absorbed the loss. On top of that, this all occurred just a few weeks before my wedding outside of the country. So amidst all of the costs associated with the wedding and the planning of my wedding and honeymoon, I had this BS to deal with.Been a customer with them since April 2013 (11 months). Went with the agency after moving to Arizona because they offered me a lower premium than Nationwide for my auto and renters policy. I was formerly through Nationwide. From April to December, any time I called the agency I NEVER actually received service from Erik (except for the one time mentioned above when I specifically requested him). His secretaries/receptionists handle all of the business and act as his gatekeepers I suppose. My Nationwide agent was always the one and only person I spoke to when I would call with any issues. Erik was apparently too busy to be a respectable agent and tell me the bad news himself about my policy because he had to go to lunch. Awesome, thanks for the great service.
Accident was 6/16/17. It was finally on 7/3/17 that I was "approved" to take my "not-drivable" vehicle to the shop. I took it in on 7/5 and not was not completed until 7/26. It sat there for 3 weeks, while I paid for a rental car out of pocket. The body shop said they called Legacy multiple times a day with no response. They called both John and his supervisor Edgar. NOTHING. I was calling, and not called back to the number I requested a dozen times. When I did get through, I was verbally accosted and verbally abused twice by John Camargo. After filing a report on him and his hostile behavior to his supervisor and his company, he had to gall to leave me a nasty, very condescending voicemail just a few days ago.The poor people at the Abra Body Repair and Glass body shop had some choice words to use in reference to John, Edgar, and Legacy. Legacy finally cut the checks, but shorted the amount that was actually due. The auto body shop was so done dealing with them, they just decided to 'eat' the extra cost just to avoid anymore contact with Legacy. John Camargo (ext 2094) and his supervisor Edgar Gullien (ext 2220) need to be written up at MINUMUM, but probably just fired. If they did it to me, they're doing it to others, They need to be held accountable. Based on how horribly I was treated, how they disrespected and refused to call the auto body shop back, and then for me to get a retaliatory message from John... are you kidding me? Luckily for me, I saved EVERYTHING. So when I received a letter back from Annette Garcia, QA Claim Analyst Manager, Ext 2626, she took no responsibility, no accountability, and did not even bother to apologize for my mistreatment, how I was put out, how they shorted the auto body shop, and how I got a retaliatory response from John after filing a formal complaint. She blatantly lied to me and the BBB by stating all phone called were returned quickly, and everything was handling in a timely and professional manner.
This office is just plain rude. Who allows this agency to continue is beyond me. I strongly believe good customer service goes a long way. I don't want anything to do with them and don't recommend this office to anyone
he is not professional enough in handling his business! he is not friendly!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!11
Josh and Nick are so professional and easy to work with. They provide exceptional customer care, and they are always putting the needs of the customer first! I would recommend Josh and Nick to anyone who needs quality insurance and wants to have a good experience while getting insurance!
Mark's staff is very helpful and cordial whenever I call for help. they know their stuff and get the job done quick.
The locks installed on the doors and windows of every home represent the most common, and perhaps most effective, form of security. That means locks can be taken for granted, until they no longer work properly or the key is lost. Homeowners should work to understand the basics behind these essential household devices, as well as how to address common problems related to them.
The concept behind a lock-and-key mechanism has been around for centuries, so it's no surprise that their basic design hasn't changed much in recent years. At the same time, a number of different types of locks are now available to meet specific needs.
Perhaps the most common type of lock is the pin tumbler lock. Enclosed in a doorknob, these devices contain spring-loaded pins of varying sizes, which must be pushed upward before the knob can be turned to open the door. When the correct key is inserted into a pin tumbler lock, the grooves on the key's blade push the pins up to the precise height needed to allow the inner chamber to turn. Pin tumbler locks are popular because they are relatively secure for most residential applications and generally inexpensive. Since the entire locking mechanism in this device is contained in a single cylinder, pin tumbler locks are also very easy to swap in and out. This comes in handy in apartment buildings, for example, where locks may need to be changed frequently as tenants come and go.
Pin tumbler locks come in a number of configurations. In residential environments, they are the primary mechanism for operating knob locks and deadbolts. Most exterior doors on homes and apartment buildings will have at least one of each of these locks. Knob locks are quick to open and can be convenient when minimal security is acceptable, but they are very easily forced open. When paired with a deadbolt, the door becomes much harder to open. Deadbolts work by driving a thick metal rod into the door frame, which prevents most quick methods of defeating locks, like using a shim or brute force. Still, deadbolts aren't impenetrable, as they can be lockpicked or defeated with much stronger ramming force.
Other common types of residential locks include mortise locks, which combine the action of a doorknob and deadbolt in one. Mortise locks engage a deadbolt with the turn of the key, just as normal. But upon unlocking, the doorknob will open in tandem with the deadbolt. These locks tend to be much stronger than traditional deadbolt designs, but are often harder to install and thus more expensive.
Finally, there's the "jimmy-proof" deadbolt, a type of lock often found in older residences. These locks engage a metal rod that fits into a separate chamber outside of the door frame, rather than through the frame. While its design is simple, it has many advantages over traditional deadbolts or mortise locks. It is impervious to being pried open like many deadbolt systems could be, hence the "jimmy-proof" name. It is also typically harder to pick, and is very inexpensive.
When a lock stops working, no matter where it is in your home or office, it's likely to be a source of frustration. However, it's rare for a lock to suddenly fail to open without exhibiting some signs beforehand.
Common lock problems include issues opening or engaging the lock, or difficulty securing a door in the proper position to lock it.
Since locks are essential security devices that might be used multiple times per day, they are bound to wear out eventually. Rekeying or replacing locks can be done on your own in some cases, but may require a professional locksmith.
When a lock is rekeyed, the cylinder containing the tumbler and pins is removed from its enclosure and replaced with a new cylinder. This is often done when a new tenant moves into an apartment that was previously occupied, but it may also be necessary if a lock needs to be replaced.
Replacing all components of a cylinder lock, or working with locks that don't use a pin tumbler system, requires a different procedure for replacement. Installing a new lock of the same type will be the most straightforward option.
If you want a new lock that is different from your old set, more advanced installation is required, and you may want to consider hiring a professional for the job.
The term locksmith traditionally referred to people who designed and built locks, but today is generally used for those who repair and replace locks. Locksmiths can be available on-call to help people if they're locked out of their home or apartment.
If you've lost your keys or are otherwise unable to enter a locked building that you normally have access to, you will need to call your local locksmith. To save money and ensure you're hiring a reputable contractor, it may help to do some research on locksmiths in your area ahead of time, so you can be prepared if you need to call one.
Upon arrival to your home, a locksmith should ask you to prove that it is in fact your residence. They should also be able to unlock most common locks without requiring them to be drilled or completely replaced. Be sure to obtain an invoice that lists all charges before agreeing to pay.
Locks are ubiquitous around the world, which means the skills to service them are always in demand. Becoming a locksmith could be a rewarding career opportunity, but like any other job, will require a bit of preparation.
Locksmiths do not generally require formal education, but need to undergo extensive hands-on training and possibly certification. Locksmiths-in-training can receive foundational knowledge and skills through programs offered at technical colleges or vocational schools. These would include basic courses on lock mechanics and manipulation, along with general skills like business management.
From there, most trainees seek an apprenticeship, where they work alongside a professional locksmith. This allows them to gain experience in the field. It can also put them on a course toward certification, which involves a standardized procedure that, once completed, allows locksmiths to legally conduct business in their state.
Successful locksmiths need to be skilled with their hands and in the use of tools. While these skills are essential for the day-to-day tasks that a locksmith performs, they also benefit immensely from being personable and able to work with people to solve problems.
There are a number of trade associations and organizations for locksmiths that may help them find work, receive training and connect with like-minded business partners. These organizations may also help consumers find a reputable locksmith. Locksmith trade associations in the U.S. include:
Contact these organizations to learn more about how to become a locksmith, or how to go about choosing the right professional for your needs.