Forecast Fun

According to nearly all state insurance codes, your homeowner’s insurance policy needs to cover any damage to your household caused by an “act of God.” Except for flooding which is usually covered in a separate policy or rider.But how do you know if the damage to your roof is induced by a storm and will your insurance insurance cover the damage?The question to ask is not necessarily will they cover your roof, but instead how did your gutters, chimney, and vents sustain damage. If you can’t narrow a unique storm, you may be in for a problem.If your roof, gutters, chimney, and vents gets damaged because you didn’t take care of a cutting tree limb or some other obstacle, your insurance company is not obligated to recoup you for repairs. They are only subject to take care of things that were outside of your responsibility.You can have a Roofing Contractor present during Insurance Company review. This is a good idea to have a professional roofing contractor present with you any time you meet with your insurance adjuster. A roofing contractor is better appointed to determine storm damage as opposed to other reasons. When you have somebody around who knows the business, you are more likely to have a uncomplicated and simple claim process. Questions to Decide Eligibility for Insurance Claim Here are some questions to ask to ensure whether your roofing claim will be paid for by your insurance company:1. Did you have your insurance at the time of the damage to your roof and storm damage. In order for you to get insurance reimbursement for your roof’s repair or replacement, there must not be any lapse in your insurance coverage, especially on the day of the storm that battered your roof.2. What kind of damage does your roof or residence have. If your roof or home is battered because you failed to cut the trees back or for some other reason that is essentially your fault, the answer is no. The insurance company will not fix your roof for you if the damage is something you should have prevented.3. Was your roof or household broken by hail? If you can pinpoint the storm that busted your roof, that is the best scenario. Although, we are able to get roofs and other damages replaced by our customer’s insurance companies when they are not sure when the hail damage occurred. If your roof or house was legitimately busted by hail, your insurance company is obligated to restore your residence to it’s pre-storm value.4. Not sure how your roof was battered, or even if it is battered? We recommend getting in contact with a master roofing consultant who understands the system and can best advise you as to which steps to take to ethically get your claim approved

One of the most funny or surprising things you hear newer poker players refer to in relation to the nature of their hand is when they proudly claim to have made “two pair,” one of which is on the board. For instance, they are holding jack ten, and the board reads Q J 8 8 5, and they see their hand not as a pair of jacks backed up with a second pair common to all, but as a viable two pair where others might have just one.

In this spot, you aren’t really going to do yourself much good thinking of a hand with one unique pair and one shared as two pair. Two pair is a stronger hand in small pots, but the value of having two pair where all other poker players in the hand have one of those pairs pretty much negates the value of claiming two pair. This seems obvious, but I’m always surprised at greener players not understanding this distinction.

A pair on the board is also something to consider when you flop two pair, and then another (to you, third) pair comes on the turn or river. If your opponent had an overpair before then, they have now outdrawn your two pair, and three pair just doesn’t mean anything at all. Remember this when you play a poker online game.