Mill Wood Park|

Oh my! I did not know that a 5.5 could really do that!

You used the words paid, pay, money, spend, and they are all correct. It is all about the money, yours specifically, and how much of it the insurance industry can get (steal).

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True, but it depends on the exact type of business.

I'd think, with no foot traffic, and no business property exposure except a laptop, and no manufacturing going on, most homeowners carriers won't have a problem – If you carry business liability insurance.

Even if you don't want to carry insurance for the business, you'll still likely be able to find an insurer willing to cover the homeowners part (none will cover the business part), you'll just have to look a little harder. Use an independent agent, and they'll be able to take care of you.

You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.

Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.

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http://best-home-insurance-comparator-usa.blogspot.com/

Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.

Why not just go to an online site that will give you bids from multiple agencies. It's quick and you're not at any risk, and it will give you a ballpark figure to work with and decide what is right for you.

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I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down.

It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win.

I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to go to the County Building Department.

Also, if the bank didn't know that these additions were unpermitted, you wouldn't have an recourse. Most foreclosures are sold as is and requires buyer's diligence. A title insurance policy may or may not disclose unpermitted additions (depends on the wording of the policy). As I recall, a title insurance policy only guarantees that you have marketable title to the property.

Investigate the Harrp Project in Alaska… They use the waves we are about to lose that send our tv signals – Feb 2009. The project just received a huge grant to expand the project. Gee, I question why..

“The more you do, the stronger your home will become.”

http://best-home-insurance-comparator-usa.blogspot.com/

Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.

Insurance companies are wary of lapses in any kind of insurance policies. In your case it just happened to be home insurance.

The single most feared factor in the insurance business is not hurricanes, not bush-fires, not wars, not meteor strikes but what's known as 'moral hazard'. Moral hazard is, in simple terms, lack of inhibition in preferring a claim under less than above-the-board circumstances.

For example, if your camera is insured for home use only, you cannot make a claim if the insured camera suffers damage during a jungle safari. Most of us, being honest persons, would not even want to claim under such circs. However, since, as a rule it takes all kinds to make this world, there exist individuals who would make a claim as if the damage occurred at home. Such individuals are considered to be 'moral hazards'.

Coming back to your original question, insurance companies know from empirical evidence that the incidence of moral hazard is greater – much greater – in those cases where there's a break iin coverage. It's likely that the insured is trying to renew the policy after a loss has occurred.

You need to provide evidence to the insurance company that you did not intend to let the policy lapse. That it lapsed, is a fortuitous happenning (please note the wording – underwriters love such language) and not a deliberate omission. 'I do not want to be penalised for something over which I had no control' is the line you need to take. You could strike lucky with this line.