Category Archives: For Your Information

The Fallout: Steps To Take After Suffering Extreme Damage To Your Home

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The Fallout: Steps To Take After Suffering Extreme Damage To Your Home

It’s never something we would like to think that would affect any of us, but with the rise of inclement weather all over the world, it seems more and more likely with every passing year that your home will be involved in some kind of disaster. Whether it be a flood, tornado, earthquake, or a fire, it is a terrible situation to be in. But what happens after the event to your home and to you personally? Let’s try and address the issues about how to repair all the damage after a disaster.

The First Thing To Do:

The first sort of call when it comes to a disaster happening to your home, once everybody is safe, is to get in contact with your insurance company and file a claim. Depending on whether you are renting your home or not, you would still need to make a claim based on the damage to your property or your worldly possessions. It’s your prerogative at the start whether you would want to use a loss adjuster to deal with the entire process of the claim, which could help with the buildings insurance, contents insurance, as well as providing emergency accommodation. And the sooner you are able to engage with one, the bigger the burden they can remove from your shoulders. Once you have met with the loss adjuster, they will undertake a fact-finding mission throughout your property, and based on the circumstances of the claim, forensic specialists may be called to undertake an investigation, especially if this was a house fire to determine the cause.

The Next Steps:

Once you have met with the loss adjuster, they will submit a report to the insurance company based on the circumstances surrounding the disaster and they will also recommend whether the insurer should pay your claim or not. They will make a decision on whether the policy you have is sufficient enough to cover the damage, which is a big problem a lot of policyholders have, being “underinsured”. From there, the emergency contractors will be appointed to carry out any works that are urgent, and this could include water damage restoration companies, which will provide their own investigation into the causes. If you have issues in your home with things like running water, they will provide a restoration plan for you.

Other companies may weatherproof your property or make your home more secure by boarding up the windows or covering the roof. It’s important to note that the insurers might not pay for this work until the claim has been processed, so it would be your responsibility in the meantime to prevent additional damage to your property. After this, the surveyor will assess the overall damage to your property and put together a plan for the reinstatement of it.

The Contents Claim:

If your home was very badly damaged and all of your possessions have been destroyed, it’s important for you to make a detailed list of all of your contents including the cost for replacements. A lot of insurance companies act on a “like for like” basis. But if you are claiming for things like clothes and bedding, they are replaced on what is called an indemnity basis, meaning that there will be a reduction in their value based on the wear and tear of your original items. And if you’ve got a lot of high-end items such as electronic equipment or designer clothes, you need to provide the proof, the makes, models, etc., before the insurance company will accept the claim completely.

The Personal Impact:

As it would be expected, the process of dealing with loss adjusters and the insurance company can be a trying one, especially if you are without a home. During the process, you will be in temporary accommodation, and this could be the emergency accommodation provided at the outset of the disaster. After that, you would have to find long-term temporary accommodation that suits you and your family during the restoration of the property. This can be difficult to acquire, especially if you have a big family or have pets.

It’s at this point where the stress can get the better of you, as you’re not in your own home. During your dealings with the insurance company, you may feel like you’re being passed from pillar to post, but this is a fact of the situation, unfortunately. If your claim is in limbo, it can take some time. And during your negotiation with a loss adjuster, you may not get everything that you wish in terms of suitable emergency accommodation, as you need to agree on a budget with the loss adjuster.

The Final Pieces Of The Puzzle:

Once the ball has been rolling after the tense negotiations, the process of tendering will begin. At this point, the contractors will be appointed to do the work on your home. The contractors are usually specialist ones appointed by the insurance company, but if you want to use your own contractors, you need to be careful with your choice as there are many out there who may not have a good track record. It is at this point where the surveyor will meet with the contractors to solidify the final parts of the work, which will progress until your home is fully restored. It’s important to note that at this point, you may wish to make some alterations to your home, pending the approval of the surveyor. After this, your contents claim would be agreed, items are secured, and you can return home.

While we all hope that it doesn’t happen to us, it’s important that if your home suffers from any type of disaster that you have the right policies in place. If you don’t have any insurance, it is recommended that you get something for peace of mind. If your home is ever going to suffer a disaster, with the right insurance policies in place you know you can, at least, rebuild your life.

Featured Image By: Wikipedia

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Friendly Reminder!

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Friendly Reminder!

Hi everyone!! Just so all of you know, I am still on the hunt for a few more amazing guest bloggers for my Falling For Fall series, which premieres at the end of the month while I’m on vaca. From beauty and fashion to travel and lifestyle in the name of celebrating my favorite time of the year, I want it all. If you have any fall themed posts in mind and are interested in being featured on lifewithlilred for the day, please email me at sarah.mush6794@gmail.com for more info! THANKS. -Sarah

Monday Update: This Week’s Lineup Edition

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Monday Update: This Week’s Lineup Edition

Hi everyone and happy Monday! This week on lifewithlilred is going to feature a particularly fun post lineup. Not only will I be announcing my guest bloggers for my Falling For Fall series and showing off my new nails BUT I have a new mini series premiering. Read on to find out more:

As all of you know, I have a deep passion for all things skin care. Keeping my skin radiant and extra pasty pale is something that I take very seriously and a new tool that I’ve added to my skin care arsenal in the past few months is the face mask. These products have been all over the blogosphere as of late and I thought I would join in with my Face Mask Festivities mini series, which will discuss the three face masks that I’ve been alternating between. These posts will contain pictures of the products and my MUG as well as in detail reviews of my face mask experiences. Can’t wait to share my findings with all of you!

What was everyone up to this weekend? What is your favorite face mask to use? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Wanted: Falling For Fall Guest Bloggers

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Wanted: Falling For Fall Guest Bloggers

Hi everyone and happy Thursday! I know, I know it’s not anywhere close to fall yet! BUT, I’m sure all of you know by now that when a new season approaches, I like to welcome it on lifewithlilred with one of my guest bloggers series. Starting August 29th through September 6th, I am looking for a crew of bloggers to share their favorite things about fall with the world.

From MOTDs and OOTDs to fun fall activities and your homemade Pumpkin Spice Latte recipes, I’m hoping for a wide range of unique posts special for autumn. If you are interested in participating, please shoot me an email with your name, blog name, and post ideas to sarah.mush6794@gmail.com ! THANKS! ❤

Rent VS Own: Comparing The Costs

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Rent VS Own: Comparing The Costs

Some people can spend a long time wondering whether it’s better to rent or own your home. While many people have a strong opinion one way or the other, others think that different things are right for different people. It’s ultimately a personal decision whether you think renting or owning is best. Many people change their minds at different points in their lives. Renting can be more flexible, but owning can be more secure. Some people see renting as throwing money away, but if you get a mortgage, the property doesn’t exactly belong to you, either. Working out costs can help you decide which is the best choice for you.

Rent VS Mortgage: The major living expense for most people is the cost of their rent or their mortgage payments. The cost of renting can vary widely, depending on where you live. Some people can spend a third or even half of their income on rent, but others will pay much less. Working out how much you might spend on your own home is easy to do. If you use a house loan calculator, you can work out how much your payments might be. Some people might discover that mortgage payments could end up being less than what they pay in rent in the long run.

Bills & Insurance: Whether you rent or buy, you still have to pay bills. However, if you rent a room or property, your bills could be included in your rent. If you buy a home, you will always be responsible for your bills. This does mean that you have more control over them, though. It’s easier for you to change energy suppliers, for example. Another cost to consider is insurance. As a homeowner, you need to insure the property and its contents. But as a renter, it’s still a good idea to have renter’s insurance. Although the expenses are similar, the amount you pay could be very different.

Property Maintenance: As a tenant, maintenance of the property is usually the responsibility of your landlord. There might be some things that you’re required to do to keep it looking good, but major work isn’t normally up to you. But, as a homeowner, you need to pay for anything that needs to be fixed. And if you belong to an HOA, that could mean a lot of maintenance. Property maintenance is one of the things that can potentially make owning your home more expensive than renting.

The Cost of Moving: Another thing to consider is the costs of moving home. If you own your home, you’re likely to move less often. It’s up to you when you move, unless you can no longer afford to keep your home. But if you do decide to sell and move, it could be very expensive. Of course, moving as a renter costs money, too. You might have to pay a security deposit, first month’s rent, agency fees, and moving fees, plus you could move a lot more often.

Owning a home is often more expensive than renting, but many people prefer it. If you’re trying to decide which is right for you, look at the pros and cons of each and make the choice most suited to your current lifestyle.

Featured Image By: Pixabay

See You Next Week!

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See You Next Week!

Hello everyone and happy weekend!! I sure hope that all of you are feeling a lot better than I am today. I am in a bit of a rut so I will be on a lifewithlilred hiatus this weekend. BUT, rest assured that I will be back this Monday to bring you all of the latest and greatest. OR maybe even this afternoon or tomorrow if I feel so inclined – you never know!

Tell me good things. What are you up to this weekend? How do you stay positive during a rough patch? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Exciting News!!

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Exciting News!!

Helloooo everyone and TGIF! So earlier this week, I got contacted by one of my former teachers inquiring about a consultation with yours truly for her humor based memoir. We had our first meeting today and it went absolutely swimmingly. I will be helping her out as far as editing/prompting/and adding on goes and it’s such a joy to learn more about someone who I considered one of my “favorites” in high school.

Because lifewithlilred is a platform for all voices, not just mine, some excerpts from her short stories will be featured on my page for your viewing pleasure. Feedback is an important part of the writing process, so it only makes sense to showcase her work to my darling readers so we can hear all of your thoughts! I am SO excited for what promises to be a fantastic partnership and am looking forward to sharing some of the works in progress with all of you! ❤

Who else has some exciting news to share? What are you up to this weekend? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah