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Outstanding Fundraiser Sponsored by the First-Timer Allies to Benefit The Leukemia & Lymphoma Society

Thanks so much to my friends and Allies who helped me pull this event together!  The night was full of fun, food, booze and fundraising!  Smith & Wollensky Rittenhouse went above and beyond to accommodate this huge group of do-gooders!  Looks like everyone had a blast!  If you have more pictures from the night please email them to me at Capri@CapriCloses.com.

If you would like to follow my fundraising or more shenanigans by the Running Realtor go to:

MyiRun

My Team In Training Facebook Page

If you would like to donate:

My Fundraising Page

Who Needs Renters Insurance?

By: Boatwright Insurance Agency, Louis Cammisa

Click picture for full article at www.FirstTimerBlog.com

Who Needs Renters Insurance?

Who Needs Renters Insurance?

By:  Boatwright Insurance Agency

Louis Cammisa

Louis@boatwrightagency.com ~ 610-359-9270

If you rent your home or Apartment and don’t think you need rental insurance, you are mistaken, but you are definitely not alone. In fact, over two-thirds of the 81 million renters in this country do not carry renters insurance. This is a disturbing fact when you think about the financial devastation that could befall these renters if an unfortunate event were to occur. Perhaps you’ve heard or thought about renters insurance, but you wonder, “Do I really need rental insurance?” Continue to read this blog; we’ll answer this question for you with some of the best reasons for investing in renters insurance.

You’re Not a Homeowner, So Why Have Insurance?

This is one of the most common protests offered by renters who avoid rental insurance. After all, if you don’t own your home, what is the purpose of having property insurance? The answer is that, without a rental insurance policy, your personal belongings are unprotected. You may not be responsible for the actual structure of your dwelling, but you certainly have financial responsibility for the personal items contained within it.

What about the Landlord’s Policy?

Another objection given to the purchase of rental insurance is that the landlord’s policy already covers everything. This is actually untrue. The landlord’s policy strictly covers the structure of the apartment building and nothing else. In fact, some policies don’t even go that far if a tenant is responsible for causing the damage. In other words, if you leave your bathtub water running and do water damage to your apartment and the one below, you might be liable for the damages.

What Do I Have That Needs Insurance?

Some renters justify going without renters insurance because they rationalize that they don’t really have anything that is valuable enough to warrant coverage. But did you know that the average renter has almost $30,000 of personal belongings that are not covered by the landlord’s policy? Could you afford to pay $30,000 to replace your possessions? More than likely, the answer is no. Aside from your regular possessions, if you have especially valuable items, like jewelry, collections, furs, etc., you should also consider a rider on your rental insurance policy. A rider allows you to bolster your coverage for certain items of extraordinary value.

Autumfest was a Blast!

Thank you to all my clients, friends and allies who came out and celebrated Autumfest with me!  And a BIG thanks to Scannicchio’s for hosting such a delicious event!!

Bummed you missed this event?  Be sure to subscribe to this blog to be the first to get an invite to the next one!

Is buying a home in your 5 year plan?  RSVP for Autumnfest for complementary food, delicious wine and get to meet the players involved in buying a home! 

First an Earthquake, now a Hurricane!!! Read asap!

First an Earthquake, now a Hurricane!!! Read asap!

Click link above so you know what to do in case of an emergency!

Ally Spotlight: “What is a Public Adjuster?” Mike Z – Resolve Adjustment

What is a Public Adjuster?

by

 

As a public adjuster I represent you the policyholder when you have an insurance claim. I’m your advocate.  A public adjusters must be licensed by state departments of insurance. I will appraise the damage, prepare an estimate and other claim documentation, read your insurance policy to determine coverage, and negotiate with your insurance company’s adjuster on your behalf.  I will handle the entire claims process for you

 

Through the course of buying a home or renting an apartment many people purchase either homeowner’s insurance policy or a renter’s insurance policy.  These policies are complex contracts between you and the insurance company you purchased them from.  They are filled with complicated language,exclusions, limitations and responsibilities of the policyholder (you).  In most cases these policies should provide coverage to you for a variety of different losses such as:  fire, wind, smoke, water, theft and vandalism.

 

Many people assume after they sustain such a loss they should call their insurance company and report a claim.  They also assume that their  insurance company actually has their (the policyholder) best interest in mind.  It is my opinion, and it has been my experience after working in the insurance industry for the last 13 years that this simply isn’t true.  Insurance companies will do everything possible to either deny your claim OR pay the least amount of money possible.  They have knowledgeable expert adjusters working on their side, who do you have working on your side?  Hire me – a public adjuster.

 

Do I have to use a public adjuster when you have a claim?

 

Your policy does not require you to use a public adjuster when reporting a claim.  However, it has been my experience that insurance companies settle claims with unrepresented policy holders for significantly less than they do if a policy holder has a public adjuster.

 

How does a public adjuster get paid?

 

I’m paid a percentage of the settlement I recover from your insurance company.  If I don’t recovery anything then I am not paid anything.

 

If I can ever be of any assistance please give me a call.  All consultations are free without ANY obligation.

 

Sincerely,

Michael Zielanski

Resolve Adjustment, LLC

B: 215.352.5202

C: 215.669.5671

F: 215.701.4337

mikez@resolveadjustment.com

www.resolveadjustment.com

 

‎”Resolve to perform what you ought; perform without fail what you resolve” ~ Benjamin Franklin

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