Re: Your house is on fire

From: Davoud (star_at_sky.net)
Date: 12/10/04 

Date: Fri, 10 Dec 2004 01:12:55 -0500

John Steinberg:
> Three Words: Replacement Value Insurance Coverage.
> (Okay, that may be four words, but math is not my strong suit.)
> I might save the 3-volume Burnham's only because the man suffered
> enough in life, but only after all living things have been saved first.
> Although I will note that all insects, arachnids and the like are on
> their own.
> The rest is just glass, metals, rubber, plastic and easily replaced.
> What would you enjoy seeing going up in smoke?
> For me, a toss up between some really awful Rini EPs and a book about
> urban astronomy. I won't reveal the author, title, publisher or
> purchase point, but it was born to warm a hearth.

Funny you should mention Replacement Value. In late 1990, while SWMBO
and I were in the Muddle East engaged in W. Senior's Iraq Follies, our
renters had a fire in our house -- a "cosmetic" fire, meaning that
there was no serious structural damage (but $135,000.00 or so in
"cosmetic" damage.) We are thankful that no one was injured. We had had
the foresight to purchase a replacement-value landlord's policy. I
don't mind pluggin the insurance company -- it was Allstate. They were
superb. They chose a top-quality contractor for the reconstruction and
we had an excellent property manager who watched the reconstruction
closely. In every case in which our property manager said "This doesn't
look right," or "I think that should be replaced," Allstate said to the
contractor "Do it." The materials they used, the kitchen cabinets, the
appliances, were all top-of-the-line. We returned from our overseas
assignment just as the reconstruction was completed, and were a bit
embarrassed to take possession of a house that was much nicer than when
we had last seen it.

We refunded the tenant's security deposit.

Folks, if you don't have replacement value insurance, call your
insurance company TODAY and get it!

A good friend, who, coincidentally, was himself in the insurance
racket, said it's too bad we couldn't have been here and had someone
immediately dig a big hole in the back yard, then fill it with ashes.
We could then have exclaimed to Allstate "My God! Even the swimmimg
pool burned up!" The fact is, though, that I'm glad that I wasn't here
at the time. Getting the phone call was enough of a shock.

Davoud

P.S. Speaking of John Steinberg and fires, I ran into John on the
street the other day. I said "Hey, John, did you hear that the West
Virginia governor's mansion burned down!?" John replied "No, I hadn't
heard that." "Yep. Burned right down to the axles," I said. 

-- 
usenet *at* davidillig dawt com

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