GatewayRedbirds.com

Need to make repairs on the house so insurance company will renew our policy. We need to install hand rails on front steps and patch concrete. And paint the garage. PAINT THE GARAGE????? WTF.

I understand the hand rails and concrete patching as that could be a hazard but the garage?? How much of a hazard is it that the garage needs painting. Oh and all this has to be done by 2/24. Really?? Because everyone I've talked to says concrete won't set in cold weather.

Bastards

Think you're mad now? Wait until you have to put in a claim and they deny it because you painted the wrong color.

The sooner we burn every insurance company to the ground the better off we will be. They add nothing to society. Only take away.

stlouie_lipp wrote:Think you're mad now? Wait until you have to put in a claim and they deny it because you painted the wrong color.

Lol.

Or they honor your claim, and then a few months later they double your premium.

------------------------------------------------------------------------------------------
A question:
Since our house is 50+y/o and mostly brick - we get hosed on our premiums due to a limited market for earthquake coverage (Or so I'm told). I'm thinking of dropping earthquake insurance - since if an earthquake hit, we'd still lose our arses with or without insurance. Then again, not sure if our mortgage-holder will allow this. Anybody else come across this dilemma?

That's another thing. How did the get us all to call payments "premiums"? It's a damn payment, there is nothing "premium" about it.

Paint protects the wood from dry rot. It's important...

I bought our current house at an auction and the insurance Company wouldn't insure it because they claimed it needed a new roof. I intended to put a new roof on it but also wanted my investment protected at that time. I had multiple roofing guys give written notice to my agent that the roof was sound and not in need of imediate attention. Still they wouldn't insure it. This was a company I'd done quite a bit of business with for 15 years and only had one small auto claim in that time. Needless to say I found a new ins company and they never even mentioned the roof. We did go ahead and replace it because my wife wanted a metal roof, old agent sees it and stops by to tell me that they will take me back now..

Molly wrote:Oh and all this has to be done by 2/24. Really?? Because everyone I've talked to says concrete won't set in cold weather.

I can speak to this concern.

It will, but it's not ideal to pour concrete in sub-32 degree weather. If it's not covered, the water could freeze. You don't want that. If it is covered, then it might be ok.

If it were my property, I wouldn't pour any kind of flatwork (in the STL area) before April 1, to better ensure I was clear of freezing temps after the first 72 hours of placement.

mikechamp wrote:

Molly wrote:Oh and all this has to be done by 2/24. Really?? Because everyone I've talked to says concrete won't set in cold weather.

I can speak to this concern.

It will, but it's not ideal to pour concrete in sub-32 degree weather. If it's not covered, the water could freeze. You don't want that. If it is covered, then it might be ok.

If it were my property, I wouldn't pour any kind of flatwork (in the STL area) before April 1, to better ensure I was clear of freezing temps after the first 72 hours of placement.

I was wondering about this myself today. We used to never pour foundations for tombstones in the winter because of this. However with this recent stupidly cold temps and then the warming I had a retaining wall in my driveway decided to fall over this week. So I was looking at it wondering how the hell I'm going to fix this thing, and if I could pour concrete this weekend and do it. Guess I maybe need to wait until spring.