Coaster

I saved this reddit post a while ago in case I ever needed it. You might find it helpful.

I used to be the guy who worked for insurance companies, and determined the value of every little thing in your house. The guy who would go head-to-head with those fire-truck-chasing professional loss adjusters. I may be able to help you not get screwed when filing your claim.

 

Our goal was to use the information you provided, and give the lowest damn value we can possibly justify for your item.

 

For instance, if all you say was "toaster" -- we would come up with a cheap-as-fuck $4.88 toaster from Walmart, meant to toast one side of one piece of bread at a time. And we would do that for every thing you have ever owned. We had private master lists of the most commonly used descriptions, and what the cheapest viable replacements were. We also had wholesale pricing on almost everything out there, so really scored cheap prices to quote. To further that example:

 

If you said "toaster - $25" , we would have to be within -20% of that... so, we would find something that's pretty much dead-on $20.01.

If you said "toaster- $200" , we'd kick it back and say NEED MORE INFO, because that's a ridiculous price for a toaster (with no other information given.)

If you said "toaster, from Walmart" , you're getting that $4.88 one.

If you said "toaster, from Macys" , you'd be more likely to get a $25-35 one.

If you said "toaster", and all your other kitchen appliances were Jenn Air / Kitchenaid / etc., you would probably get a matching one.

If you said "Proctor Silex 42888 2-Slice Toaster from Wamart, $9", you just got yourself $9.

If you said "High-end Toaster, Stainless Steel, Blue glowing power button" ... you might get $35-50 instead. We had to match all features that were listed.

I'm not telling you to lie on your claim. Not at all. That would be illegal, and could cause much bigger issues (i.e., invalidating the entire claim). But on the flip side, it's not always advantageous to tell the whole truth every time. Pay attention to those last two examples.

 

I remember one specific customer... he had some old, piece of shit projector (from mid-late 90s) that could stream a equally piece of shit consumer camcorder. Worth like $5 at a scrap yard. It had some oddball fucking resolution it could record at, though -- and the guy strongly insisted that we replace with "Like Kind And Quality" (trigger words). Ended up being a $65k replacement, because the only camera on the market happened to be a high-end professional video camera (as in, for shooting actual movies). $65-goddam-thousand-dollars because he knew that loophole, and researched his shit.

 

Remember to list fucking every -- even the most mundane fucking bullshit you can think of. For example, if I was writing up the shower in my bathroom:

 

Designer Shower Curtain - $35

Matching Shower Curtain Liner for Designer Shower Curtain - $15

Shower Curtain Rings x20 - $15

Stainless Steel Soap Dispenser for Shower - $35

Natural Sponge Loofah - from Whole Foods - $15

Natural Sponge Loofah for Back - from Whole Foods - $19

Holder for Loofahs - $20

Bars of soap - from Lush - $12 each (qty: 4)

Bath bomb - from Lush - $12

High end shampoo - from salon - $40

High end conditioner - from salon - $40

Refining pore mask - from salon - $55

I could probably keep thinking, and bring it up to about $400 for the contents of my shower. Nothing there is "unreasonable" , nothing there is clearly out of place, nothing seems obviously fake. The prices are a little on the high-end, but the reality is, some people have expensive shit -- it won't actually get questioned. No claims adjuster is going to bother nitpicking over the cost of fucking Lush bath bombs, when there is a 20,000 item file to go through. The adjuster has other shit to do, too.

 

Most people writing claims for a total loss wouldn't even bother with the shower (it's just some used soap and sponges..) -- and those people would be losing out on $400.

 

Some things require documentation & ages. If you say "tv - $2,000" -- you're getting a 32" LCD, unless you can provide it was from the last year or two w/ receipts. Hopefully you have a good paper trail from credit/debit card expenditure / product registrations / etc.

 

If you're missing paper trails for things that were legitimately expensive -- go through every photo you can find that was taken in your house. Any parties you may have thrown, and guests put pics up on Facebook. Maybe an Imgur photo of your cat, hiding under a coffee table you think you purchased from Restoration Hardware. Like... seriously... come up with any evidence you possibly can, for anything that could possibly be deemed expensive.

 

The fire-truck chasing loss adjusters are evil sons of bitches, but, they actually do provide some value. You will definitely get more money, even if they take a cut. But all they're really doing, is just nitpicking the ever-living-shit out of everything you possibly owned, and writing them all up "creatively" for the insurance company to process.

 

Sometimes people would come back to us with "updated* claims. They tried it on their own, and listed stuff like "toaster", "microwave", "tv" .. and weren't happy with what they got back. So they hired a fire-truck chaser, and re-submitted with "more information." I have absolutely seen claims go from under $7k calculated, to over $100k calculated. (It's amazing what can happen when people suddenly "remember" their entire wardrobe came from Nordstrom.)

Weed block is a future nightmare. Round-Up, wait a few days, lay down some big cardbaord sheets, cover with mulch.

The cardboard will keep anything that comes back from poking through for a few months until it is all dead. By the time you are ready to plant the cardboard will be pretty much gone or you can just tear a hole in it and plant through it.

I'll take them I just don't have time to come get them until sometime toward the end of next week possibly next weekend.

If you need them gone sooner feel free to pass me by.

I had zero service at several points inside Riverside Hospital.

Hospitals are a very unfriendly environment for anything radio based. Not even counting shielded areas like radiology or nuclear medicine the head walls in patient care areas have more conduit and pipes in them than you could ever imagine.

It takes about double the amount of wireless access points per sq/ft to cover patient areas vs business areas. We also run cellular repeaters, but the coverage is targeted at frequencies for the phone carrier we use for hospital provided phones.

RE: Brake Controllers

Do not get a time delayed brake controller to save a few bucks. Get one that is accelerometer based. Teknosha makes several good ones.

Do this one since you've got your kids. Those double cabs don't really have the leg room in the back.

I have a double cab 14' Sierra. The back is really tight for people, the dog likes it just fine though.

Never seen one before... The front is not bad but that rear...

 

https://columbus.craigslist.org/cto/d/dublin-1974-lotus-europa-special/6796533232.html

I can't remember the name of that place but we took a tour of it while we were up checking out the pre-production Cardinal at GoodAero. Really cool shop with lots of neat stuff.

- Would like to do a couple of local cruises: http://www.windy9.com,

Give me a little heads up and I'm in for some back roads cruising.

Right on. I hear it's not nearly as crowded as the tail, which is a huge plus

I recommend Back of the Dragon in VA. Makes Tail look tame and there is very little traffic.

Tail and the Skyway are a great trip as well. I really recommend scheduling things so you can do Tail on a weekday though. Early in the morning it's wide open, you might not get pics taken of you though.

You can get precut tint kits from ebay exactly for your car, takes out the hardest part.

After that it's just removing the inside trim on windows that roll down so you can get the tint below the seal.

The rear window is the hard part if it is heavily curved. That's why I didn't even attempt the mustang myself.

Thanks, guys. Should've mentioned I drilled out the two rivets - bracket holds Ignition Control Module, aluminum heat sink, and Coil together - and screwed in a new ignition coil. That helped with running, which is why I am thinking it may be fuel delivery.

 

I've also heard that the fuel pressure regulator can go bad on these...

 

The only thing that makes me question fuel is if I turn the key to let it crank over 3-4 times (maybe a second), then I click the key down to ACC, wait a second, then crank it again it fires right off. Seems almost like that is electrical, not fuel.

My truck I had to turn the key to run for 15 seconds or so before it would start when the fuel pump was going out. Kinda like a glow plug

My wife had it done a little over a month ago at TLC in Dublin.

Basically did a free consult then scheduled an appointment.

Day of she was back there for maybe 45 min. Came home and napped and tried not to stress her eyes the rest of the day. Had to sleep in goggles and keep out of dusty places for a few weeks so no mowing etc. She had like 3 different sets of eyedrops on different schedules to keep up with for the first couple weeks. After that just normal drops as needed.

She has 20/20 now and hasn't really had any issues. Certain lights still bother her a little but shes still healing really. She wishes she had it done a long time ago.

They have a discount offer on their website, make sure you find that and save a couple hundred. Total cost was about $3600 I think. We had an old health savings account sitting around that covered most of it.

can't tell if you're serious.

I knew what color Aarons car was.

The two colors are easy to tell apart in bright sun. In other conditions or in pictures it is harder to tell.

:gabe:

I never thought I was color blind until Ford released Race Red and Competition Orange. Unless they were side by side I was usually not 100% sure which one I just saw.

which car did you run on the strip? I ran a newer s550 mustang with temp tags one run.

Both runs down the strip were solo. I think the one with 30 days was a 2018

1) There's an annoying temp-creep issue, with the electric cooling fan not kicking on unless I turn on the A/C (so it's not the motor). I've replaced the temp switch, and Sean (Crossle) pressurized for air bubbles. It's just annoying to have to monitor the temp when crawling in highway traffic, and blasting the heater to bring temp down. Runs great everywhere else.

There was an issue with some cars that the connector to the temperature sensor on the radiator that controls the electric fan was wired incorrectly.

Sort through this thread:

https://www.bimmerforums.com/forum/showthread.php?2207733-Z3-2-8-electric-fan-failure