Making an insurance claim

I would strongly advise anyone making an insurance claim to get in contact with there solicitor as one word out of place will void the policy. Insurance policies have a section dealing with legal fees and you can also make this part of the claim and you will be covered. So use the policy as it is worded. The higher the claim the tougher it gets. Your own words can be and will be used against you. That is why they record all dealings with the public, You know that little voice before you get connected "Your call may be monitored and recorded for training purposes". Then you are put threw to a person. Sound familiar...

belonging

Belonging

Good to stay where you belong.
Having been up rooted all my life to have a place to call home would be something, It takes years to develop a circle of friends. I know there is some countries that are in termoil and are under persecution and I must admit that this would be a great strain on lifes activities. I personally would like to live in Canada Russia or China. I don't know why but these are the countries that appeal to me. These countries to me seem to be the freest places to be able to do as one likes.But in reality I may have made bad choises. What really makes ones life is the friends that you have and your communities that you have around you.
I know from experiences that people who have come to Australia have had it tough and the ones I have meet and got to know have been a blessing to have known.

The art of work

The product of work can be a magical scene.

Evaluating insurance

Things change over time and economics of insurance change as well. Costs to the consumer of these products are going up with no perceived benefits. Costs of cars and prebuilt kit housing has come down to a point where a total rebuild is in the reaches of of say a three year pay back period. that is the wage of say 80 thousand dollars a year and the all be it small house is in the vicinity of 80 thousand dollars for a kit home placed on your property. The pay back period wold be about four years using one quarter of your income.
Bear in mind that you may not be covered for the calamity that strikes you anyway. Then if you are lucky enough to have this calamity strike and the government declares a national disaster you may be covered by a government hand out.
So how much risk are insurance companies taking? It seams not much as in my case paying for insurance for five decades and making a small claim and then not going threw with the claim because of increased policy costs and fixing the broken window myself and the other damage vandals caused whilst I was not there.
Then all the interest I could have gotten from the premiums plus the premiums would have built several houses.
Then there is the importation of kit houses from china all flat packed and prewired and erected in the same time as it takes to erect a garden shed for the cost of $10.000 for a four bedroom house.
You can get relocatable houses on EBay for similar prices. Then there is the way we use houses where the trend is smaller is better if you are to believe the small house movement.
The younger generation are giving up on home ownership because of costs and we will see a move towards traveling houses and the like. The older generation are going on the road and downsizing leaving large houses hard to sell. Smart young entrepreneurs buying large houses and turning them into duplexes.
Yes things are about to change dramatically.

Home Insurance

What are you covered for? Well not much it seams, It would be easier to tell you what you are covered for, But they are keeping that to themselves and if you try to read the policy you will be in for a shock.
Terms like we do not cover xxxx and yyyyy but if there is a local event we might cover something. They determine weather there is a local event!
If you fail to tell them something like the date or Mrs Jones cat has fleas they wont pay, because pets ain't covered at that time or date.
If it was tomorrow they will cover it but today they wont cover it.
The examples they will cover are so remote from reality they would stop the claim cause you are stretching the meaning of the policy and so are not covered on this day.
What are you covered for I don't know as to make a claim one would have to be creative and not to stretch the imagination to far. For even stretching the imagination could cancel the policy and they have the right to do this at any time so it seams. No don't expect a refund of your policy as it has run its time on cancellation.
Insurance fraudulent claims. This is interesting as you can be charged with making a false claim with penal charges laid against you. Then your policy is terminated as well.
Good luck with your next claim.
I will still be trying to word my claim so as not to void the policy and the claim go threw.
I think I will get a solicitor to do it for me.
Don't have a policy that's OK put a claim in anyway you will probably have more success and they wont cancel your policy as you don't have one.

Cheers Iggle

Tiny house

I love those tiny houses and then thought turn it up side down so to speak. Put the bedroom underneath and the kitchen on top this would give a split leavel effect and do away with the ladder and the stairs going to the top level could be a seat. Being higher in the kitchen would give better views to the outside. Cheers to all and have an amazing years to come. Iggle

One of my play grounds as a child

As a child of 9 I used to play in this location and even to this day it can be seen on google earth at this location. -30.379037, 152.719818 Lightening used to strike the ground about a kilometer to the right of this spot with regular abandon and when it even looked like storms one would never go there. The noise of the lightening and the loud flashes was a frightening thing to experience as a child.
Show on Google Maps