INDUSTRY experts are warning that it could take up to a year for the property industry to fully recover from the coronavirus pandemic. Last week, the Government allowed estate agents to reopen and construction work to begin again. It estimates that more than 450,000 buyers and renters had been unable
In these extremely challenging times Savills London Development Land team are pleased to be able to report some positive news in the market. The Savills team have had an outstanding few weeks: since working remotely they have exchanged contracts on 9 land transactions with a combined value of £146 million.
Blockchain is a technology that remains incomprehensible to many participants in the IT market and other areas. Company IBM believes that blockchain able to produce qualitative changes in the global economy, leading to the emergence of second-generation economy. But in order for this to happen, considerable effort must be made.
Living in the US, consider yourself extremely lucky if you have never been part of a car accident in your life. According to Statista, there are approximately 273 million registered vehicles along with over 225 million licensed drivers in the United States with an average of nearly 10 million car
Two real estate firms have acquired a 294-apartment residential rental complex in east London from Kennedy Wilson for approximately £100 million as part of their PRS joint venture programme. Realstar, a real estate investor and manager, and global real estate company QuadReal Property Group have added to their growing London
Landwood Property Auctions is hailing a switch to weekly online auctions as the catalyst for a massive rise in activity in 2019. While the property sector as a whole has struggled against the backdrop of Brexit and a snap general election, Manchester-based Landwood managed to buck the trend. Landwood Property
In this post, we look at all the methods estate agents use to draw attention to an open house event and maximise its potential to sell a property.
There are many reasons for a property owner to decide whether they want to repair their damaged, leaking roof or opt for a full roof replacement. In some instances it is not even up to the property owner, for example when insurance is involved. If you roof is damaged or
Fires can happen to anyone and at any time, with or without warning, and when it does happen it is more important to make sure that everyone is safe before trying to save the property. More often than not, fires can ravage a home, a business and any other property,
First-time drivers may feel that they already know everything that they should do when they are on the road but actually, there are still a lot more that they have to know before they can ride their cars freely. You may not really think about car insurance when you are
INDUSTRY experts are warning that it could take up to a year for the property industry to fully recover from the coronavirus pandemic. Last week, the Government allowed estate agents to reopen and construction work to begin again. It estimates that more than 450,000 buyers and renters had been unable to progress their plans to move since March, while a survey conducted by the Royal Institution of Chartered Surveyors (RICS) recorded an significant increase in buyers and sellers cancelling transactions in April. Addressing the figures, which also reflected a decline in new buyer enquiries and properties being listed for sale, chief economist Simon Rubinsohn said: “Not surprisingly, the latest survey shows that housing activity indicators collapsed in April reflecting the impact of the lockdown. “Looking further out, there is a little more optimism but the numbers still suggest that it will be a struggle to get confidence back to where it was as recently as February. “Critically, to ensure the housing market can begin to operate in a more functional way and that developers have the confidence to continue building in these very difficult circumstances, further specific interventions from Government are likely to be necessary.” Rachel Gaylor, head of residential property at The Head Partnership Solicitors, said: “Luckily, as conveyancers can work remotely we have been actively been able to help people complete property transactions throughout the lockdown. Now our property peers can return to work, we are looking forward to helping clients who have had to put their plans on hold”. And supportive of the new measures – which will observe the two-metre social distancing and protective equipment guidelines – she added: “People still need to move because of job changes, upgrades to a larger premises as their family grows, or first time buyers wanting to take advantage of the current record low interest rates. “It is predicted there will be an increase in would-be homebuyers planning to move to more rural towns as people conclude home working is here to stay, or dream of a different pace of life.” One major housebuilder which has begun a phased re-opening of its construction sites in Berkshire is Barret Developments, parent company of David Wilson Homes. Although its sales centres and show homes remain closed, David Wilson Homes says it has developed a set of working practices and protocols to ensure safety is a priority across all of its sites. Changes have affected signage, site welfare facilities, site access, walkways and training, as well as the introduction of Social Distancing Marshals who will be present on all sites to ensure compliance with health and safety measures. Managing director at David Wilson Homes Southern, Paul Crispin, said: “Our first priority is the health and safety of our employees, sub-contractors and customers. “In line with our commitment to put our customers first, we will be prioritising the completion of those homes that our customers have already exchanged or reserved.” Mr Crispin added: “As a business committed to doing the right thing we have been supporting the NHS and our communities throughout the COVID-19 pandemic. “We have donated PPE to local NHS services and defibrillators to St John Ambulance from our sites across the region and are working with charities and organisations to help local communities.” Persimmon Homes has also announced the re-opening of its sites across England. Development work will run from Thursday to Monday each week. Ben Felton, director in charge of Persimmon Homes Thames Valley, said: “We are delighted that we are now in a position to be re-opening our new developments and showhomes. “Our sales advisers have worked extremely hard to help existing and new customers during this difficult lockdown period and continue to be able via phone and email. Reservations and completions have, in fact, remained strong despite no face-to-face contact. “Even so, being able to meet with househunters, albeit at a safe distance, is an important step forward and will be a help for many people. Looking around the showhomes to see the type of properties on offer is also valuable for many people. “We look forward to welcoming people in the days and weeks to come.” Changes to sales trends were also felt by Padworth-based Westbuild Homes who commented on the effect of the lockdown. Managing director Guy West said: “The lockdown prevented a quarter of our houses from being sold on our Arborfield Green development. “Fortunately the development is surrounded by open spaces, so recent interest in the remaining house has been very encouraging. “We expect sites such as this, and ours in Barkham to be of more interest, given buyers’ recent desire for garden space and close proximity to countryside. “We are also now finding fibre optic/ ultrafast broadband higher up buyers’ necessities.”
In these extremely challenging times Savills London Development Land team are pleased to be able to report some positive news in the market. The Savills team have had an outstanding few weeks: since working remotely they have exchanged contracts on 9 land transactions with a combined value of £146 million. These disposals and acquisitions take the total number of 2020 deals done to 16 transactions. The results demonstrate continued demand from purchasers for a range of development opportunities across London. Tim Whitmey, Director in Savills London Development Land team said: “We are delighted to be announce this extremely positive news during the most challenging of times. While we are under no illusion that these very difficult conditions will continue, at least in the short term, there are still a number of domestic and international buyers active across both the Central and Greater London residential development sector. The Savills team are working harder than ever alongside their clients and we look forward to building on this successful start to the year”
Blockchain is a technology that remains incomprehensible to many participants in the IT market and other areas. Company IBM believes that blockchain able to produce qualitative changes in the global economy, leading to the emergence of second-generation economy. But in order for this to happen, considerable effort must be made. Now more and more companies are starting to work with blockchain – a technology that allows you to restructure human economic activity, making this industry more efficient. In addition, the blockchain allows you to optimize other areas as well, since finance is far from the only area for working with this technology. Despite the fact that the technology has been on the market for about five years, it is only at the beginning of its formation and popularization. More information can be found at https://bitcoins-evolution.com How it works What is blockchain? If simplified, then this is a distributed storage system for records, access to which is available to any user on the network. Entries entering the system form the so-called blocks, which, in turn, are linked into a single chain. From here came the name blockchain – a chain of blocks. Almost immediately after the blockchain entered the fintech services market, IBM Corporation realized its promise and began to study the possibilities of technology and developments in this area. It is very important to realize that blockchain is not only bitcoin, during forex trading hours, a cryptocurrency that has been talked about and written about over the past few years. The scenarios of the possible use of this technology within the organization or as part of the interaction of individual companies are many. So, using the blockchain, you can organize financial transactions between banks around the world without a single center, develop a supply system of almost any type (leasing cars, assembling complex devices, etc.), create a fast and reliable system for concluding contracts between a buyer and a seller, or the recipient of the service and its provider, organize a mailing system. Blockchain can be extremely useful for organizations that exchange information, valuable data, but do not trust each other too much. In this case, the technology allows to simplify and improve the processes of exchange and storage of information related to the interaction of these organizations. In general, the benefits of using blockchain are still not entirely clear to company executives. In order to help realize the possible profit from working with the blockchain, IBM has developed a fundamentally new cloud services based on this technology. They help ensure the reliable operation of a new class of distributed financial applications. And if you combine the blockchain with the Internet of things (IoT), then in this case, users of the system get the opportunity to work with data. An example is the fixation of the temperature of a sent parcel with a record of all received data that is transparent and becomes available to the sender, recipient and carrier company at the time of registration. Both the sender and the recipient will receive all recorded changes in the parameters of the package in real time. IBM Information Training Despite the fact that the promising nature of this technology is obvious to many companies and specialists, most of the companies still do not work with blockchain. But information about the technology is spreading quickly, and company leaders, having heard about its wide capabilities, instruct developers to implement these capabilities in enterprise services and applications. Well, so that developers better understand what blockchain is, IBM runs the so-called IBM Garages. These are peculiar service stations that are either already open or will be organized in the near future in major cities of the world. In addition, the IBM Global Business Services division at one time announced plans to provide advice on blockchain issues in such areas as logistics, finance, and banking. Future of Blockchain Blockchain future is expected to be bright compare to other cryptocurrencies. As it is easy to use, and use at the international level. Most of counties authorize this cryptocurrency. One can get huge knowledge about blockchain on the internet. Blockchain is a transparent, secure, and porous system this technology will change the way people think about exchanging value and assets.
Living in the US, consider yourself extremely lucky if you have never been part of a car accident in your life. According to Statista, there are approximately 273 million registered vehicles along with over 225 million licensed drivers in the United States with an average of nearly 10 million car accidents every year. With over 313,000 miles of public roads the most of any state, Texas alone, has more than 13 million licensed drivers. Further, the car insurance industry estimations say that the average driver will file a claim for a car collision about once every 17.9 years, suggesting that if you got your driving license at the age of 16, the odds are that you are going to experience some kind of car accident by the time you turn 34. The average person has a total of 3-4 accidents over the course of a lifetime. Photo from Pinterest Being involved in a car accident is a shocking and frustrating experience. Moments after a car crash, adrenaline is rushing and emotions are running high. In order to protect your health and your financial interest as well, it’s of the highest importance to remain calm and to know what further steps to take. After checking everybody involved for injuries, it’s time to take the necessary steps following every regular car crash such as filing an insurance claim. Such a claim is a request made to an insurance company for compensation regarding the traffic accident that happened to you. Car repairs can be quite expensive, so if you are involved in a crash, you’d want to know how to file an auto insurance claim. Therefore to know what to do about the claiming process, we’ve highlighted the key information you may need. What to do right after the accident? First things first, after an accident, move your vehicle to a safe spot out of traffic if possible; if not, turn off the engine and exit the car carefully. Even if no one is seriously injured, it’s important to call the police and report the incident. This step can help clarify what does fault mean in car insurance terms, as the police report often plays a key role in determining responsibility, which can impact claims and future premiums. Gather the proper set of information and details about the car accident, so when it’s time to file a claim you will have everything written down and pictures you can use as evidence. Don’t place blame on the other driver, you’ll figure everything out later with your insurance company. Take photos of the crash scene, photos of the vehicles involved, drivers involved, license plates and any damage done to the vehicles. Also, exchange information with the other driver including contact and insurance details. Call the police Call the police! As you will probably be shaken up after an accident, having an officer take down the details of the traffic jam in the police accident report is always the best option. Officially titled “CR3 Peace Officer Report”, such a report is used by law enforcement to record the details relating to your accident involving any type of vehicle. You can also claim your Texas crash report online, which is indeed a very important piece of paper to have in order to file the insurance claim. Whose insurance do I call after the accident? In general, in accidents where the at-fault driver accepts responsibility, you probably won’t need to call your insurance company unless you were at-fault. In simple clear liability accidents, the sooner you call your insurance provider – the sooner the provider can help you get things back to normal. What happens if the other driver doesn’t have an insurance policy? In general, if you get into a car accident, the at-fault driver’s insurance pays for the damages and injuries. Yet, if the other driver is uninsured, things get a little bit more complicated and here’s what you should know. Driving a car without car insurance for any period of time is considered illegal and that’s why uninsured and underinsured motorist coverage is very important. If you get in an accident by a driver with no insurance, your uninsured or underinsured insurance will kick in and help you cover your medical expenses. Also, if you’re at fault, not only you will be paying out of your pocket for any medical expenses or damages to the vehicle, you’ll be responsible for paying the other driver’s injuries and damages. You might even get sued by the other party for the damages you caused them, could be issued a ticket, potentially lose your license and registration and face jail time. How do I file an insurance claim? Just give a call to your insurance company and they’ll walk you through the process and ask for all relevant information. As soon as your claim is filed, a claim representative will contact you to go over and claim the process to follow. The insurance company will review your claim and work with you to correctly evaluate it. After that, they will assess and try to complete it as quickly as possible. Photo from Pinterest What relevant documents do I need to have in order to file a claim? According to the Texas Department of Motor Vehicles, when filing a claim you will need to submit the policy number which can be found on your insurance card; date, time and location of the accident; a detailed description of how the accident occurred; you will have to name the police department involved and the police crash report number and provide insurance and contact information of the other party involved. This is why it’s very important to collect all relevant information right after the accident and to write down as many details as you can. What happens with the car insurance claim after an accident? When your claim is filed, your insurer will assign a claims adjuster to examine your case. The adjuster will do a number of things such as reviewing
Two real estate firms have acquired a 294-apartment residential rental complex in east London from Kennedy Wilson for approximately £100 million as part of their PRS joint venture programme. Realstar, a real estate investor and manager, and global real estate company QuadReal Property Group have added to their growing London portfolio by buying up the asset in the east of the city. The deal represents Realstar’s fourteenth PRS investment in the UK and marks the fourth asset in the £1 billion London rental joint venture between the Canadian-headquartered firm and QuadReal. Described as a ‘landmark development within Ilford town centre’, Pioneer Point includes 294 residential units within two towers. There is 35,000 sq ft of fully leased commercial space and 10,000 sq ft of extensive resident amenities. In common with other Build to Rent projects, the development offers residents a dedicated on-site concierge and property management suite, as well as resident lounges, meeting spaces and work pods. Residents can also benefit from a quiet lounge, entertainment spaces with open-plan kitchen and dining rooms, a kids’ zone, games room and cinema. Pioneer Point is just a stone’s throw from Ilford Station, which offers fast connections into London. These will be further enhanced once Crossrail (the Elizabeth Line) becomes fully operational at some point next year. Ilford is a key transport hub on its eastern section, linking Essex with East and Central London.
Landwood Property Auctions is hailing a switch to weekly online auctions as the catalyst for a massive rise in activity in 2019. While the property sector as a whole has struggled against the backdrop of Brexit and a snap general election, Manchester-based Landwood managed to buck the trend. Landwood Property Auctions, which first launched on to the market in February 2018 as one of the first in the industry to sell solely online, made the call in 2019 to step up its offering and increase the regularity of auctions from monthly to weekly. Following the introduction of auctions every seven days, Landwood saw three times as many lots listed on its site as for the entire 12-month period preceding it, with sales levels also more than doubling. Some lots even sold for as much as 356 per cent more than their listed guide price. Throughout 2019, Landwood sold more than £16.5 million worth of property via its online auction service, £2 million of which came from lots selling over their reserve price. With more opportunities to both buy and sell online with Landwood Property Auctions, success looks set to continue throughout 2020 and beyond. Landwood Property Auctions director Kate Lay said: “We deliver a genuinely personal service, giving clients immediate access to impartial, straightforward and clear advice. “We work hard to constantly develop innovative ways of delivering auction services that fit with modern, ever-changing client and buyer requirements and behaviours. As early adopters of an online-only auction format, we understand the benefits of doing so to offer a wider range of properties for sale, as well as how to maximise the potential of the technology on offer. “Introducing weekly auctions was just another way of us setting a new standard for what buyers and sellers alike can expect from an online auction service. “The average amount of time it takes to sell a property through traditional methods is 62 days – but through Landwood’s weekly online auctions the process can be much quicker. For example, it can take as little as 14 days for completion to take place once a property has sold. “The ease of access to our system also helps to ensure there’s a higher number of potential bidders, and thus a higher sales success rate.” Fellow director James Ashworth added: “We’re proud to be one of the first to adopt online as our auction method and set new standards for its success. “It’s fantastic to see such growth and we look forward to seeing lot and sales numbers increase in the coming months, with 2020 looking set to be our most successful year yet.” Across the year, Landwood dealt with everything from a city centre penthouse apartment to a grade two listed bank, a holiday home in the Shetland Isles to a stretch of riverbank in the heart of the Lake District National Park. And it wasn’t just the bigger properties that attracted the most interest, with buyers rushing to snap up the lower priced and smaller lots as a way to expand their property portfolio. This variety on offer is yet another aspect of Landwood’s service which helped to make 2019 and their weekly auctions a huge success. Directors Kate and James are already well prepared for the year ahead and, with concrete plans in place to further develop the brand and it’s online offering in the coming months, it’s an exciting time to be involved with Landwood Property Auctions. Kate said: “With our new website launching in February alongside our new company branding, we can’t wait to see what comes next. In the earlier days of Landwood Property Auctions, many asked us if online bidding could truly match the competition of a traditional room auction. The answer is clear to see. We offer everything that a traditional auction room does but with more modern customer experience to suit the wants and needs of the era. The success of our approach is proven with the increased number of sales.”
In this post, we look at all the methods estate agents use to draw attention to an open house event and maximise its potential to sell a property.
There are many reasons for a property owner to decide whether they want to repair their damaged, leaking roof or opt for a full roof replacement. In some instances it is not even up to the property owner, for example when insurance is involved. If you roof is damaged or leaking, you may be considering repairing the damaged area or investing money in a complete roofing system replacement. This article will cover some of the top things to consider when making this decision. Architectural Asphalt Roofing Shingles vs. Old Three-Tab Shingle Roofs The two main types of asphalt shingle roofs are, 1) old 3-tab shingles and, 2) architectural asphalt shingles. Many roofers prefer to only install architectural asphalt shingles. Hanover PA roofing contractor JWE owner Jeff W. Erb says that he never recommends 3-tab shingles, and only feels comfortable installing architectural asphalt shingle roofing. “I have been working on roofs for over 20 years and I’ve seen thousands of failed roofing systems. In my experience, the old 3-tab roofs are inferior to the newer architectural asphalt shingles in terms of durability and leak protection. Architectural asphalt shingles are more desirable not only because of their aesthetic appearance and the high-definition look they provide, but because of the lifetime warranty provided by roofing product manufacturers. It’ll be the last roof you ever need for your home”. Lifetime Warranty for Architectural Asphalt Shingle Roofs Erb is referring to the ‘out-of-the-wrapper’ warranty provided by shingle manufacturers like GAF, IKO and CertainTeed on their roofing products. Furthermore, roofing installers like JWE who are factory-certified by these manufacturers are able to register their customers new roofs for extended, full-coverage, “lifetime” warranties that exceed 30, 40 and even 50 years (depending on the manufacturer). These extended warranties are only available for architectural asphalt shingle roofing system installations, so if you have a 3-tab roof that is due for a replacement it is well worth the money to invest in an architectural asphalt shingle roof. When it comes to quick roof repairs, most roofers do not guarantee that their work will stop the leak for an extended period of time. In order to warranty their work, roofers want to know that their installation is done properly, and this just isn’t possible without removing the existing roof. Roofers therefore prefer to address the roofing system in its entirety, which we will discuss in the following section. Roofing System Anatomy: Components are Difficult to Repair, but a Roof Replacement Addresses the Entire System A building’s roof is more than just a layer of shingles or sheet metal. A roof is a system of barriers that work together to protect from water, leaks, wind, storms, hail, energy loss, and more – the shingles are simply the outermost visible layer of the roofing system. If that outer layer of shingles has failed to the point of water leaking into the home, it is likely that there is damage to inner barriers like underlayment, roof deck plywood, flashing (like chimney- and step-flashing), vent-pipe boot leaks, and more. It is rarely the case that the source of the leak can be easily identified in a way that makes a simple repair possible without having to remove large sections of the roof. In most cases a full roof replacement is the most effective way to thoroughly repair the leak. During a full roof replacement all the components of the roofing system are replaced, and the roofer is therefore confident that their installation will last for decades to come. NOTE: Metal roofing is becoming increasingly popular, and if your asphalt shingle roof is due for a replacement you may want to be one of the many homeowners who are considering updating to metal roofing like standing seam, metal shingles or corrugated steel. They are far more durable, last much longer, and are unlikely to leak or suffer storm damage. Some types are not much more expensive than asphalt shingle roofs. Learn more about metal roofing services costs, benefits, etc. Dealing with Insurance Claims for Roof Damage Caused by Storms and other Covered Perils Roofs are the most common part of a house that are paid for by insurance companies. Most roofing contractors have the majority of their work paid for by homeowners insurance, and they are all painfully aware of the fact that these insurers have a profit motive to pay out as little as possible. This usually results in approval for bare-minimum repairs rather than full replacements. Ultimately this causes more hassle for the homeowner, who will inevitably have to shell out money for future repairs or a full roof replacement sooner than they would have otherwise had to. It is possible for savvy homeowners to get the most out of their insurance provider for their roof damage repair claim if they hire the right roofing contractor, many of whom are partnered with public insurance adjusters who are experts at getting claims approved. They are usually hired on a contingency contract that holds the homeowner accountable for no more than their deductible. Hiring a professional loss adjuster like this is a win-win for owners dealing with home damage because the contractor’s goal is to get the full extent of work approved and paid for. CONCLUSION: Most Professional Roofers Recommend a Full Roof Replacement The fact that most roofers usually recommend replacing a leaking or damaged roof is not a dishonest ploy to upsell property owners. As we explained above, it is hard for a professional roofing contractor to guarantee a small repair because it’s almost always impossible to determine the source and cause of the leak. Furthermore, roofing manufacturers do not warranty their products unless the installation of three or more roofing system components accompanies their shingles, so anything short of a replacement is missing the opportunity for a lifetime warranty. The good news is that a roof replacement is often the last roof a homeowner will need to get. The lifetime warranty on architectural asphalt shingle roofs is transferable to the next
Fires can happen to anyone and at any time, with or without warning, and when it does happen it is more important to make sure that everyone is safe before trying to save the property. More often than not, fires can ravage a home, a business and any other property, as fires can go on burning until it ran out of oxygen or all that could be burned had already been burned. Most of which actually is the latter, thus, those who have had the misfortune of having their properties burned must navigate through all the issues and problems in order to rebuild their properties. It is a legal requirement to take out a fire insurance policy on any property that you plan to purchase, since fires are the most common accidents that could happen to destroy your property. However, making a fire insurance claim is much difficult and complicated than it really is and you need a fire claim adjuster to make sure that you get the most of your insurance claims. What is a Fire Claim Adjuster? A fire claim adjuster is a public adjuster that has been licensed by the state to represent insurance policy holders who are filing insurance claims from their insurance providers. The responsibility of the fire claim adjuster is to ensure that the insurance policy holder gets the amount agreed on by their policy and whatever other benefits it may have in respect of their fire insurance claims. A fire claim adjuster is authorized to represent and negotiate with the insurance providers for the insurance policy holder, and by doing so will work for the benefit of the policy holder and not that of the insurance companies. Thus, they attend to meetings, inspections, negotiations, and prepare documents, reports and claims for the policy holders. They also make follow-ups, call insurance companies if they are taking too long to process the claims and ensure that you get paid as soon as possible so that you can also get to rebuild your home or property the soonest. Why You Need to Hire Your Own Fire Claim Adjuster? It is a reality that making a fire insurance claim and being compensated with the amount on your insurance policy agreement are two very difficult processes and even if you are willing to do this on your own, the truth is hiring your own fire claim adjuster is more cost-effective in the long run. With your own fire claim adjuster, you will be assured that your best interests are being protected and that the fire claim adjuster will make sure that your rights are protected and that you are represented in all meetings and proceedings. Most of the time also, insurance companies will not deal directly with the policy holder, they will have to assign a fire claim adjuster to be your representative, and this is not what you want or need at this time. Insurance companies will choose a fire claim adjuster and introduce him or her to you and will basically function in the same way as regular public adjusters do, however, these fire claim adjusters will not have your best interests at heart, instead they are working for the insurance providers and their only job is to see to it that you get paid with the minimum amount the insurance company wants to give you. Thus, it is better to hire your own fire claim adjuster who will work for your interests even if you had to pay them yourself, rather than accepting the offer of the insurance companies. How Do You Find A Fire Claim Adjuster? Insurance is a thriving business and there is good money to be made in it, thus, there are also a lot of establishments who do provide fire claim adjuster services, there are of course the expensive ones with stellar track records and the cheaper ones with less experience. Who to hire will depend ultimately on you own preferences and whether you want to take a risk on the new players or ensure the success of your claims with the more experienced one. You simply have to weigh it out and find one that will be a good fit for you. Someone you can communicate with, someone you can trust and who is really sincere and committed to working for your interests. You can find a fire claim adjuster in any of the businesses that specialize in this kind of things. But, you need to make sure that that service provider has the track record to prove that they are really good at what they do and they have verified and licensed public adjusters. You also would want someone that really has a physical office or location that you can go to, and schedule an appointment for a consultation, in that way you can actually get to experience how responsive they are to their client’s needs and decide for yourself whether you want to hire them for your fire insurance claim needs. Another way of figuring out which fire claim adjuster to hire is to ask for referrals from people you may know who have gone through the same experience as you did, and was either able to get the most from their insurance policy or not. Even if these people may not point you to the right fire claim adjuster, they can also tell you which ones to avoid. This is why experience and success rate is important, you would want someone who already have had the experience navigating through the complex process of making fire claims, someone who knows the language, has the right skill set and tools and one who can tell when insurance companies are playing hard or lowballing. You Now Have A Fire Claim Adjuster, What To Do Next? After the fire, and you and your family or employees are safe and without any injury, then you can move on to inspecting your property and assessing just how
First-time drivers may feel that they already know everything that they should do when they are on the road but actually, there are still a lot more that they have to know before they can ride their cars freely. You may not really think about car insurance when you are driving for the first time. You will probably think about where you are going to use your car, how you are going to use your car, and what your friends will think of the car that you have. Car insurance may be the least of your concerns. You should know now that car insurance is going to be important. You can check https://www.cheapautoinsurance.com if you want more details about the car insurance policies that are available for first-time drivers like you. The Most Cost-Effective Way The most cost-effective way that you can get car insurance is when you are added to another person’s policy. It is very possible that someone in your household already has car insurance. When you get added, this means that you will get the right benefits whenever you drive. When you are a first-time driver, you will be considered as a high-risk driver by insurance companies which means that your premium will be higher as compared to those who have been driving for a long time. The only option that is available for you is to make sure that you will be added to the insurance plan of a driver that already owns car insurance. Possible Discounts You May Get There are some potential discounts that the original car insurance owner may have that will lower all of your premiums even further: Bundling the car insurance with other cars of the household Bundling your car insurance with other insurance policies like home insurance, and so much more. Getting additional driving courses You need to prove that you are a good driver if you would take some driving courses that will show that you take driving seriously. Shop Around One of the best things that you can do is to check the different car insurance companies that are available. You can get several quotes from different companies and you should find the one that will provide the lowest rates possible. There are also some people who would like to pay the full amount the moment that they get their chosen policy. This can be very effective too especially when you are trying to save up. You will pay a lower amount initially and you also do not have to worry about subsequent payments until such time when you need to renew your policy again. In addition, every first time driver can also use a lawyer for many reasons. The most common reason is because lawyers have the knowledge and expertise to help individuals who have been involved in car accidents. They understand the laws surrounding car accidents, and they can help their clients to receive the compensation that they deserve. In addition, lawyers can also help first time drivers to avoid costly mistakes. For example, many first time drivers do not know how to negotiate with insurance companies. As a result, they may end up paying more for their insurance than they need to. Lawyers like Dennis Hernandez & Associates can help them to get the best possible rate. Finally, lawyers can also help first time drivers to navigate the legal system. This is especially important if they have been charged with a traffic violation. A lawyer can help them to understand their rights and options, and he or she can ensure that they receive a fair hearing. In short, there are many good reasons why every first time driver needs a lawyer. Good Student Discount Who says that your grades will not have an effect on the things that you have to do in life? The fact that you can get a discount when you have good grades may inspire you to pay more attention to your education more. You need to have a GPA average of 3.0 or higher so that you can get this type of discount. You may be required to provide them with a transcript that will show your recent grades so that you can prove that you have the grades that will make you eligible for this type of discount. Having good grades can make your parents proud and can lessen the amount that you have to pay for car insurance too. Consider the Right Vehicle Let us say that you are looking for the right vehicle that will be given to you by your parents or you will purchase with your hard-earned money. How are you going to pick the one that will work best? When you pick a luxury vehicle, you are going to pay more not only because the cars are more expensive. It will be ideal if you would check the vehicle that will work best for your needs. Since it is your first time to own a car anyway, you do not have to spend a lot of money on a vehicle yet. You can even get an older vehicle first and learn how to drive better with the use of this vehicle. The more that you know, the better that you will feel. Another way to travel would be by bus, you can find out more on how to book your Lubbock bus here. How to Minimize Premiums Further Young drivers can always minimize their premiums if they would make an effort to keep their driving record clean at all times. You can also install a safety device on your car so that you can have even lower premiums. When you commit yourself to drive with a clean driving record, you will have a chance to get lower premiums.