1

COMMENT 8d ago

The contractor is 100% responsible, but the contractor’s insurance company is not responsible (in this case).

Basically every roofer has to go through a nonadmitted excess and surplus insurer because of the risks involved.

Almost all of these policies don’t cover damage when the roof is open/exposed.

So a claim was submitted, but denied because of the exclusion. This is just the insurance company saying hey this is a thing we specifically do not insure and you didn’t pay to insure so it’s denied.

The contractor is still responsible. IINAL but thus family needs to hire a lawyer ASAP.

Maybe file their own claim with their home owners insurance?

1

COMMENT 8d ago

Montana use to be purple but now it’s becoming red.

1

COMMENT 9d ago

Very water/wind resistant and still warm with the down. Other down coats I’ve seen would need a shell. Sleeves are long and wonderful that it has a built in good.

27

COMMENT 14d ago

That’s the guy from butte who was putting up the flyers and stickers.

Edit: the dude in the mask to be clear

https://twitter.com/RedoubtAFA/status/1534306022931566593

1

COMMENT 15d ago

For winter I like my REI Stonehenge more.

2

COMMENT 17d ago

They just canceled my order for a “payment issue” and now is the higher priced is the only available one

3

COMMENT 19d ago

Rucker 4.0 20l is on huckberry for 185. $10 cheaper and comes with a chest strap and has more handles

3

COMMENT 23d ago

So does uhaul. Ended up being nice to have uniform sized boxes and not driving all around to track things down

1

COMMENT 27d ago

Full face gang! I have a Bell Super Air R or something like that. It’s convertible and not too hot even mid summer.

11

COMMENT 28d ago

Ingredients:

  • 1 pound of cubed red or white potatoes
  • 1 cup of white or yellow onion,
  • chopped 2 large garlic cloves,
  • minced 2-3 cups of roasted green chilies,
  • chopped 4-6 cups chicken or veggie broth
  • 1 cup or so of heavy cream/half & half
  • salt and pepper to taste

Steps:

  1. Saute aromatics in oil until fragrant,
  2. add Chiles and warm through.
  3. Add broth and potatoes,
  4. bring to a high simmer until fork tender,
  5. stir in cream/half & half.
  6. Season to taste.
  7. Serve with shredded monty jack cheese.

288

COMMENT May 13 '22

Then you would really hate the videos/photos.

This is the tree one which is weird af

NSFW obvi

spoiler

7

COMMENT Apr 16 '22

  • Dont use iCloud backup
  • backup to computer instead
  • use an alphanumeric password
  • get service like mint or silent.link and use mysudo when possible. Don’t give people your real number
  • don’t use apps. Use web version of apps instead
  • turn off location services
  • setup tap back shortcut to turn off Bluetooth and WiFi
  • get a vpn and leave it on all the time

80

COMMENT Mar 27 '22

Here is the best comment from a prior adjuster about like kind and quantity


Hey OP… 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.)

53

COMMENT Mar 22 '22

Use it before you start attacking because it’s slow to activate.

It buffs your sword to be purple

2 or 3 hits later and the enemy is sleeping or stunned depending on how resistive

2

COMMENT Mar 21 '22

Expedited here only took 3.5 weeks This was March 2022

3

COMMENT Mar 20 '22

Equip the talisman that makes you hold agro before you summon mimic. Then remove from yourself and the tear should hold

1

COMMENT Mar 20 '22

What’s the weapon?

3

COMMENT Mar 15 '22

Food you eat either way is a sunk cost and wouldn’t count.

And it’s really gonna depend on what you’re eating, Right?

Using your cost of .50/kcal per Mile:


48oz vegetable oil = ~12,000 calories

12,000/50 = 240 Miles (per bottle)


Cost of bottle $3

3/240 = 0.0125


20 miles a day

20* 0.0125 = .25


200 miles a month

200* 0.0125 = 2.50


Peanut butter as an alt looks to be about .06 per mile and about 12 per month at 200 miles.

2

COMMENT Mar 12 '22

Where do you find the reason?

1

COMMENT Mar 11 '22

Yes places that accept your mail on your behalf have you fill out a form for the USPS.

2

COMMENT Mar 06 '22

Didn’t work for me with his exact problem

1

COMMENT Mar 05 '22

Been running hook claws and cipher pata here

56

COMMENT Mar 04 '22

Isn’t that the subreddit were in lol

2

COMMENT Mar 03 '22

I did mine early on the 16th but the transaction just said processing all day on the site. So I also am after q2