Recent content by rowz

NJ Greetings All. its been awhile. 1 year ago I was a victim in a head on collision. Fault was not an issue and the young guy that hit me had only the state minimum of insurance. [15/30/5] which was the minimum 50 years ago! With that I have to go thru my own UIM coverage. His co. paid the...

When the pandemic came about zi saw some talk about using F M as a basis for cancelling contracts. I found it interesting that wha I read said that as a general rule the FM claim is not provided for in US and I think in British law. It was explained as being a concept in French law. My...

Hi all and many thanks for your input The neighbor asked friends including 2 attorneys who echoed and affirmed my position. All discussion was cordial. After all that I offered to cut up all small stuff, removed some hangers from an adjacent Holly tree and placed debris at the adjacent curb...

Greetings from NJ. I am trying to get a HELOC from TD Bank. I filled out the forms online requesting 30K. Got contacted on the phone by a "phone representative" who ran me thru my paces, basically asking all the questions that I had already answered, but OK, I went along. It was pretty...

Ugh.....you guys are tough. I will contact the ins. Co. I do see the point. The wind was well over 70mph in that instant.

Thank you all for your input. I understand the point of "all or nothing " as something could be construed as an admission or acknowledgement of responsibility. I dislike informing the insurance co. as as I read it this is an act of God and there is no evEvidence of the tree having apparent...

New Jersey. Hi all. Long time no post. We had a period of very strong wind gusts today here in NJ. A huge gust cause a large upper limb to come down taking two other large but smaller branches with it. The tree is 30+ feet tall and just on our side of the property line. 98% of the debris is...

biz insurance...yes. as the unit is inside the home with a common entrance I am told by the ins. co. it is covered

Greetings from NJ Probate for Mom's house is about to close. My sister & I will be co-owners [as TIC] with me being in residence. The two of us have an agreement that covers the terms of this arrangement. I am wrangling with getting a new HO's Ins. policy. I run a small business out of...

Greetings from The [North] Jersey Shore. My Mom has a property with a barn that was [by wind] destroyed by the 'Sandy' storm. Both my Mom & I were very fortunate to have only this issue with the big storm and for that we are very thankful that we were not devastated by that event. Her...

What is the name of your state (only U.S. law)? NJ Greetings from the Jersey Shore. This is for/about my Mom. She had property damage from Sandy which resulted in her old barn being damaged to the point of needing to be demolished. Her homeoowners insurance has just said that they will be...

Greetings from the Jersey Shore [NJ] I have a question about the [very] recent court decision that allows merchants who accept credit cards to pass along the fee charged directly to the consumer. We have the Intuit smartphone device and we also use Paypal in our internet sales. As of this...

This question is for my neighbor who is not on the internet. My first resp0onse to their question was that they need an attorney, but they wold like to know what too ask for and I said that I would inquire. They have a son who is almost 30 years of age and has lolly-gagged his way through...

Greetings from the North Jersey Shore. My 82 yr. old Mom fainted recently on 2 occasions. One while in a bank, she fainted twice [about10 minutes apart] and "did not recall" doing so. She refused First aid care and a ride to the hospital. An appt.w/ her primary care doctoor was made. In the...

The tenants have been issued a Judgement for Possession in settling a disput for non payment of rent. They have 2 add'l months to move out. How long does it take for the judgement to showup when doing a credit check on them? The day after getting the judgement, they now tell us that they will...