Timing is important

Sat in on a webinar a week or so ago.  The title of it intrigued me since I could not figure out why it was setting such a low expectation for a certain metric.  Then I gave them an hour of my life and they basically explained why.

Some people don’t think big enough  

Kind of reinforced me to not pay much attention to consultants who are paid for time not necessarily results.  Anyhow, Lots of goofy ideas where talked about but two stood out;

  1. The times you should be cross selling a current customer/client

The real cost of a claim is

much more than the money you are given.

10:00 Thusday August 22nd my car was hit.  I was deemed 100% not at fault and only suffered a small cut and a few hours of soreness.  This is being written 23 days later and my car is still in the shop.

Yes, I have a rental and have had it available since the day of the accident.

Yes, I have no out of pocket expense for this accident since I am not at fault.

No, I am not terribly please with this whole claims process.

Oh how I dislike ice dams

This comes from personal experience of course.  Two years ago, during the midst of a winter way worse then this my home had an ice dam.  Here is a link to some great tips on helping prevent them, bye bye ice dam ?

Basically it is times like this, cold weather then warmer weather then more snow then some rain that are prime conditions for ice dams developing.  Now although my claims experience was very good having the wall and ceiling of your kitchen opened up is not fun.  Not being able to find the exact cause of where it comes in from is not fun.  Crawling on a roof in the winter is definitely not fun or safe.  So what can you do?

What professionals do you see each year?

So the obvious one for most people is the doctor, most insurance companies pay for an annual physical so hopefully you use it.  How about the accountant who does your taxes?  If you use a financial planner I hope you are checking in at least once if not twice or even four times a year.  You probably even see the dentist once a year as well.

Why not your insurance consultant?