Posts Tagged ‘Homeowners’
Amica Insurance Offers Spring Clean-up Checklist for Homeowners
May 21st, 2012
Lincoln, RI (PRWEB) April 26, 2012
In most areas of the country, spring made an early entrance this year, so many people are already hard at work cleaning up yards and making repairs. But Amica Insurance reminds homeowners that its important to do a thorough check of their homes and property to make sure they’re safe and ready to enjoy.
Its easy to overlook some important areas that need seasonal maintenance, said Michael Gillerlane, a senior assistant vice president with Amica Insurance. So its good to create your own checklist and note the routine maintenance you or a professional did. It will help you keep track of maintenance projects from year to year, and allow you to plan for future needs.
Here are seven areas around the home that should be checked every spring:
1. Roof and attic: Look for damage, leakage, stains and moisture inside and out. Pay close attention to areas around chimneys, vents and pipes. Clean attic vents to improve air circulation and replace damaged screens.
2. Fireplace: Have the chimney cleaned and serviced after the final use of the cold-weather season.
3. Gutters and downspouts: Check on the condition and reinstall any downspout extensions if removed during the winter. Make sure rain water flows away from the foundation.
4. Drainage and landscaping: Remove debris from ditches and culverts and inspect trees for weak or broken limbs.
5. Sump pump: Make sure its working well and reinstall discharge pipe extension if removed during the winter.
6. Deck: Check carefully for any loose or damaged decking boards, framing, posts, steps and guardrails. Make sure to wait until outdoor temperatures are above 70 degrees to do any refinishing or painting.
7. Air conditioner: Clean lint and any debris from the condenser enclosure, being careful not to damage the aluminum fins that surround the exterior walls. Even better, have the system checked by a professional every couple of years.
Of course, every home has its own specific issues, and the homeowner knows them well, said Gillerlane. Our checklist offers a great way to organize and get started on your spring cleaning tasks.
Amica Mutual Insurance Company, the nation’s oldest mutual insurer of automobiles, was founded in 1907. The company, with corporate headquarters in Lincoln, RI, is a national writer of automobile, homeowners, marine and personal umbrella liability insurance. Life coverage is available through Amica Life Insurance Company, a wholly owned subsidiary. Amica employs more than 3,100 people in 40 offices across the country.
CONTACT: Vince Burks, Corporate Communications, 50 Amica Way,
Lincoln, RI 02865-1155, 800-652-6422, ext. 24563
Twitter: Amica Insurance
Facebook: Amica Mutual Insurance Co.
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Homeowners insurance rates ?
May 13th, 2012
try this site where you can compare quotes from different companies: www.insureinfo.us Homeowners insurance rates ? I think I m losing it !! LOL – I asked my insurance agent (state farm) yesterday what my homeowners insurance rate would be if I RAISED my deductible from 1000 to 2000 dollars (in effort to save some money on the insurance costs) – they reply back that it would INCREASE the premium by about 20 bucks !! Am I crazy or is this incorrect? Shouldn t it go Down !!?? LOL… In fact I will just copy in exactly the price quotes State Farm gave me for the possible Deductible changes – like I said currently I have a 00 deductible, and my premium is 2 a year
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Car Insurance | Homeowner’s Insurance | (760) 231-7999
May 4th, 2012
oceanbeachinsurance.com It’s important to choose a company you can rely on to come through for you when you need it most. You can trust Ocean Beach Insurance Agency to give you the best auto insurance protection at a better price. So switch to Ocean Beach Insurance Agency today for coverage and service you can count on. Beau Breese- Allstate Agent Ocean Beach Insurance Agency 3650 Ocean Ranch Blvd. Oceanside, CA 92056 allstateoceanside.blogspot.com
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All State Insurance Money-Saving Facts for Homeowners Vintage Booklet
April 30th, 2012
 | US $3,995.00 End Date: Friday May-25-2012 2:09:53 PDT Buy It Now for only: US $3,995.00 Buy it now | Add to watch list |
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1966 Allstate Insurance Ad Homeowners Package Policy
March 31st, 2012
| US $3,995.00 End Date: Friday May-25-2012 2:09:53 PDT Buy It Now for only: US $3,995.00 Buy it now | Add to watch list |
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Certified Securitization Analysis, LLC Offers Homeowners Facing Wrongful Foreclosure Tips on How to Defend Themselves
March 22nd, 2012
San Francisco, California (PRWEB) February 28, 2012
Certified Securitization Analysis, LLC, According to the recent government settlement, a $ 2,000 payment will be made to borrowers in response to the banks fraudulent robo-signing practices. Unfortunately, the announced settlement is too little and too late for most borrowers facing foreclosure. Homeowners are left with little option except to pursue a civil case against fraudulent mortgage securitization practices. Certified Securitization Analysis, LLC has been conducting hundreds of mortgage securitization audits to assist borrowers facing imminent foreclosure. Below is a brief overview of mortgage securitization as well as industry best practices tips for the borrower to protect themselves while facing predatory lenders wrongful foreclosure practices.
What is Mortgage Securitization? A Brief Background
Current U.S. mortgage debt stands at $ 14 trillion. Most mortgages in the U.S. are securitized and owned by trusts and are often referred to as RMBS or MBS trusts, standing for residential mortgage-backed securities. The trusts are made up of a pool of mortgages (often greater than 5,000 mortgages per trust). The loans are usually sub-prime loans. Individual mortgages were packaged into MBS Trusts; these MBS trusts were pooled, sliced and sold. The mortgage loans in each pool, or MBS Trust, include both first and second lien mortgages, both fixed-rate and adjustable rate loans. There are different classes within each pool of loans, representing different qualities of loans. It is not unusual for each pool to have as many as 20 different classes. Bonds are issued to investors to represent the purchase, so investors are often called bond holders. The loans are selected for each pool by a particular date, often called the closing date of the trust. While a trust may substitute loans into the pool after the closing date, there are strict guidelines on such substitutions. The pool of loans is described in a prospectus usually called a 424B filing with the Securities and Exchange Commission a printed document that describes the business enterprise that is distributed to prospective buyers and investors. Many representations (promises) are made to the potential buyers of these bonds regarding the loans in each pool in both the prospectus and the Pooling and Servicing Agreement. Most of these promises to date have been misrepresented whether intentional or not, which has resulted in numerous investor lawsuits against banks and wall street investment firms involved in the marketing of such securities.
There is still a valid defense against wrongful foreclosure. Here are some tips on what to look for:
1) Borrowers need to insure that the foreclosing entity is the actual Note Holder. Banks act as pretender lenders, when originating a loan. After it is sold to the Bond Holders (Investors), they take on the role of loan servicing only. If payments cease, then the Loan Servicer does have the right to initiate foreclosure proceedings, but only the Note Holder can actually complete the foreclosure process.
2) Borrowers need to insure that the foreclosing entity is in possession of the original mortgage note The mortgage lender (Pretender) must be in possession of the original wet ink mortgage note to foreclose, hence the term Produce the Note. Be aware that after several hundred audits, CSA, LLC has never seen a bank produce the original wet ink promissory note.
3) Borrowers must check to see if the promissory note and the deed of trust have been separated. The banks split the Promissory Note and Deed of Trust in every Securitization Agreement. They sold the Note to the investors and recorded the deed with the county recorder, or in over 50% of the cases, Mortgage Electronic Registration Systems, (MERS). MERS told the servicers to hold the notes, and many or most of them were destroyed or lost. Further, the notes were separated from the mortgages, making them null and void.
5) Borrowers need to check if loan was recorded with MERS. Improper Mortgage Assignment Over 60 million mortgages were assigned to MERS (Mortgage Electronic Registration Systems, Inc.) MERS business practices have been ruled by a NY Bankruptcy Judge in 2011 as unlawful.
6) Borrowers need to learn how to create a free account on http://www.secinfo.com for investigation of public SEC filings. Objection to an Entity that is Foreclosing Mortgage Servicers will often foreclose in their own name and not reveal the identity of the true holder of the note. Since most of the Mortgages, if not all are owned by investors, through MBS Trusts, each investor only owns a portion of the collective pool of mortgages, but not any one specific mortgage. Therefore, there is no one who can legally foreclose.
7) Borrower must demand that the mortgage lender validate the debt. If homeowners would read their Deed of Trust they would discover it to be a glorified lease Agreement. This is why when paying off a mortgage, a homeowner must request a payoff letter from the bank, this is the only time the bank is admitting that there is a debt in existence. There are many reasons for this and will be discussed in-depth on our website soon.
CSA is now offering free mortgage securitization audit assessments to homeowners facing foreclosure. As legal options are dwindling, this should be the main focus of any wrongful foreclosure defense.
For more information, please contact us at http://www.securitizationanalysis.com or write to: sales(at)securitizationanalysis(dot)com or call (415) 316 8776 to schedule a time for a mortgage securitization assessment.
About Certified Securitization Analysis, LLC
Certified Securitization Analysis (CSA), LLC is a consumer advocacy firm that provides due diligence and investigates mortgage securitization fraud. The Companys proprietary methods and processes for audit and analysis focus on legal standing issues in foreclosure situations where the underlying mortgage was securitized.
CSA is not a law firm. CSAs information and services are not intended as legal advice and practice.
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Tags: Analysis, Certified, defend, Facing, foreclosure, Homeowners, Offers, securitization, themselves, Tips, wrongful | 
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When Homeowners Insurance Won't Protect You: Surprised by holes in insurance …
March 16th, 2012
When Homeowners Insurance Won't Protect You: Surprised by holes in insurance …
Since homeowners insurance is something many people buy but few are forced to actually use, the average consumer is far from being an expert in comparing policies in advance or navigating the claims process when the unexpected does happen.
Read more on Chicago Tribune
Florida's Citizens CEO Wallace to Join Homeowners Choice
The man who is leaving his post as chief executive officer of Florida's state-backed Citizens Property Insurance Corp. is joining one of the state's private homeowners insurers. Homeowners Choice Inc. announced that Scott R. Wallace, departing CEO of …
Read more on Insurance Journal
WI Concealed Carry license holders are finding their homeowners insurance will …
WI Concealed Carry license holders are finding their homeowners insurance will not cover them in the event of a self-defense shooting. March 15, 2012 (MMD Newswire) — Most insurance carriers specifically exclude "intentional acts and intentional …
Read more on MMD Newswire (press release)
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What does a homeowners insurance adjuster do?
March 14th, 2012
Question by Starfly: What does a homeowners insurance adjuster do?
Any help would be appreciated. Over the weekend, i had a pipe/hose break and flooded my kitchen overnight. I know we need to make a claim with homeowners insurance. They said they will send out an adjuster to survey damage. What do I tell this adjuster? Do I need to make a list of stuff damaged? Will he help me get the most money i need? Any one with any experience please help Thanks.
Best answer:
Answer by bwebb328
I am an insurance adjuster and I will tell you that different companies handle claims a little different. Most of the time the adjuster will come out and assess your damage and will either write up an estimate his/herself or request that you have someone write an estimate and submit to them. The main thing you need to tell the adjuster is what happened (if you know) and when it happened. Other than that, if you had any personal property damaged you may want to go ahead and start making a list of any items that had water damage just to help speed up the claims process. Property claims are a very simple process and I usually have mine handled within 24 hours of my inspection. Hope I helped answer your question!
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About 50% of BC homeowners have earthquake insurance
March 13th, 2012
About 50% of BC homeowners have earthquake insurance
Roughly half of British Columbia homeowners add earthquake insurance to their home insurance policies despite the fact that earthquake insurance is widely available in BC, reported Square One, a property insurer. Square One says that although many …
Read more on Canadian Underwriter
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When is the appropriate time to buy homeowners insurance?
March 13th, 2012
Question by : When is the appropriate time to buy homeowners insurance?
I made a contract for the house one week ago.Now I am waiting for the reply from the seller about the home inspection results. Because the settlement date is in the middle of april, I want to buy homeowner’s insurance as fast as possible. But if the seller nulls the contract (because of the home inspection contingency), or if the mortgage application does not go through, I will waste my money by buying the homeowners insurance so fast. What timing should I buy the insurance? Thanks in advance.
Best answer:
Answer by John P
to answer your first question. When you buy the home. and second the bank will included it in your loan
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