I went with mortgage company affiliate insurance once. Put the cars on it as well for an even better deal. It was cheap, but two months in I could not get them to give me insurance cards for the cars or even a clear list of what our coverages were. I got fed up and went back to State Farm.
On Mon, May 30, 2022, at 3:59 PM, dan penoff.com via Mercedes wrote: > Heh. Don’t come to Florida. That’s the first thing they’ll go after. If > you’ve got a roof that’s more than about 10-12 years old you’ll have a > tough time getting a policy. > > The roof on the Flagstaff house is 20 years old and definitely worn. > It’s asphalt shingles and a relatively low pitch. They definitely have > some wear and are getting brittle. We knew this when we bought the > place and fully expected to have to put a roof on in the next 2-3 years > anyway. > > This is only one of a number of reasons the insurance company booted > us. We screwed up and went cheap, through a value-added service our > long time mortgage broker offered. The policy was with “Hippo”, a > totally online home insurer. They were easily $600 less than Allstate, > our insurer of first resort. We’re talking $1800 vs. $1200. I should > have known something was fishy here. > > About 3-4 months ago I got a copy of their underwriter’s report. I read > through it line by line and realized when I was done that this didn’t > even sound like our house. It wasn’t minor stuff, it was things like > them saying it was slab-on-grade when it’s on a foundation with a crawl > space. They didn’t even list the garage or note that it had living > space (casita) in it. > > I made a list of discrepancies and called them. Had to leave a message > with a customer service person, as I wasn’t allowed to speak to anyone > in underwriting. About two weeks later I get a call from someone in > Underwriting, and they told me they corrected some of the discrepancies > I pointed out, but the rest were “minor” issues I “shouldn’t worry > about”. Yeah, that gave me the warm fuzzies, for sure. > > So this morning I get an email from them with a non-renewal notice: > > "Stairs, porches or decks without a properly installed railing does not > meet underwriting eligibility. General condition of roof does not meet > underwriting eligibility. Unable to verify that the major systems of > the home have been updated.” > > There are steps to the side door of the house made of pavers, > professionally done by the PO, but there’s no handrail. Think 180 > degree 6” rise steps against the exterior wall, four or five high, I > think. Yeah, I’ll give them the roof. “Unable to verify major systems”? > They never inspected the house or even asked to. HVAC, plumbing, > electrical, all redone. > > They screwed up and pooched this one, so they’re bailing. It’s that > simple. And that’s no doubt why they were so cheap, too. That’s on me, > I should have known better. > > So tomorrow morning I’ll call our Allstate agent in Flagstaff. > > -D > >> On May 30, 2022, at 3:34 PM, Allan Streib via Mercedes >> <mercedes@okiebenz.com> wrote: >> >> Never heard of insurance canceling because of the age of the roof. I've also >> had roofs redone a couple of times and never informed the insurance company. >> >> Who is your insurance with? >> >> >> On Mon, May 30, 2022, at 3:28 PM, dan penoff.com via Mercedes wrote: >>> The solar co-op in Flagstaff has already contacted me and said my >>> property looks like a good candidate. I think not based on my knowledge >>> of the trees and where the sun falls throughout the day on the roof of >>> the house. That said, my (detached) garage has a very clear view of the >>> sky through most of the day, so that’s always a possibility. >>> >>> Looks like a new roof is in my future anyway, as I just got a notice of >>> cancellation from my homeowner’s insurance company this morning. One of >>> the reasons they cited was the age of my roof. What’s funny is that >>> they were falling all over themselves wanting to insure me when I >>> bought the house. I saw the underwriting statement and the description >>> wasn’t anything like my house - they described it as a slab on grade >>> (foundation with a crawl) the square footage was wrong and it didn’t >>> even mention my detached garage. I brought this to their attention >>> about a month ago when I saw the underwriter’s report. They called me >>> up and explained that they would be changing the report to reflect the >>> property as it was built. >>> >>> Probably why they booted me. Jerks. >>> >>> -D >>> >>>> On May 30, 2022, at 3:02 PM, Allan Streib via Mercedes >>>> <mercedes@okiebenz.com> wrote: >>>> >>>> I have the typical gabled roof, 6/12 pitch except over the front porch, >>>> and the peak runs roughly north/south. So half the roof gets sun in the >>>> morning, the other half gets sun in the afternoon. >>>> >>>> To get sun all day I'd have to put solar panels on a separate support >>>> structure in the back yard. No matter where I put them I'd have to cut >>>> down trees if I wanted to maximize exposure. >>>> >>>> I'd much rather just pay the REMC one or two hundred a month or so. >>>> >>>> >>>> On Mon, May 30, 2022, at 2:32 PM, Buggered Benzmail via Mercedes wrote: >>>>> Yeah but not where the panels would need to be. It’s a conundrum >>>>> >>>>> --FT >>>>> Sent from iFōn >>>>> >>>>>> On May 30, 2022, at 2:13 PM, MG via Mercedes <mercedes@okiebenz.com> >>>>>> wrote: >>>>>> >>>>>> Don't you need a nice large roofed over area to keep your cars under? >>>>>> >>>>>> When I did mine the cost of the 24x32 south angled solar support >>>>>> structure was included in the gov rebates. Also happens to keep the rain >>>>>> off the cars or any projects I am working on. >>>>>> >>>>>> MG >>>>>> >>>>>> Floyd Thursby via Mercedes wrote: >>>>>>> I have a philosophical aversion to making decisions based on tax >>>>>>> credits or anything involving gummint "help." >>>>>>> A friend of mine was all excited a few weeks ago about getting solar >>>>>>> panels on his roof, tax credits and all that. He is a world-class >>>>>>> ecologist and ocean researcher so he is into the environmental aspects >>>>>>> of the schemes. Whatever. I popped by the other day to pick up >>>>>>> something and he was lamenting the whole thing, the contractor (sourced >>>>>>> through the electric company) was completely incompetent, etc. so he >>>>>>> sent them on their way. The whole thing is on hold. >>>>>>> Another buddy apparently has a system installed now and is waiting for >>>>>>> a Tesla battery to provide some stand-alone capacity in the event of >>>>>>> power outage. I was over there recently but it was dark and I didn't >>>>>>> see the install. >>>>>>> I have been thinking once I move to my more rural estate I might do >>>>>>> some solar but it would likely require a solar "farm" i.e., >>>>>>> free-standing panels on some racks or something because of the layout >>>>>>> of the estate. But then I think about a tank of fuel with a generator >>>>>>> to run things and that seems a better deal. >>>>>>> --FT >>>>>>>> On 5/27/22 12:55 PM, dan penoff.com via Mercedes wrote: >>>>>>>> This is my position. I’m more than wiling to “go green” if it makes >>>>>>>> good financial sense. At present and for the foreseeable future, it >>>>>>>> doesn’t. That’s whether it pertains to cars or stationary power >>>>>>>> systems. >>>>>>>> >>>>>>>> -D >>>>>>>> >>>>>>>>> On May 27, 2022, at 12:51 PM, G Mann via >>>>>>>>> Mercedes<mercedes@okiebenz.com> wrote: >>>>>>>>> >>>>>>>>> In the interest of a reality check on that thought, consider this. >>>>>>>>> 1. Since you would not be able to do a grid tie to the solar panels, >>>>>>>>> you >>>>>>>>> would not receive any government matching funds for purchase and >>>>>>>>> install of >>>>>>>>> the solar rack. Your cost for a 10KW solar array would be, approx, >>>>>>>>> $15,000. >>>>>>>>> 2. You then need an enclosed and vented space for a battery bank >>>>>>>>> [insert >>>>>>>>> cost per sq. ft of house area.] >>>>>>>>> 3. You then need to purchase and maintain a battery bank. Estimated >>>>>>>>> $8 to >>>>>>>>> $10,000, with cables and racks. >>>>>>>>> 4. Now, a solar controller, to control battery bank charging and >>>>>>>>> inverter >>>>>>>>> to control car charging. Estimate, $8 to $10,000 for that equipment. >>>>>>>>> Which gives rise to the question: "Does $8 per gallon for diesel >>>>>>>>> sound so >>>>>>>>> bad in comparison, or are you truly committed to "Go Green via an EV"? >>>>>>>>> >>>>>>>>> On Fri, May 27, 2022 at 7:20 AM Buggered Benzmail via Mercedes < >>>>>>>>> mercedes@okiebenz.com> wrote: >>>>>>>>> >>>>>>>>>> Putting aside the environmental and international economic and >>>>>>>>>> security >>>>>>>>>> issues associated with lithium batteries and PV panels, I like the >>>>>>>>>> idea of >>>>>>>>>> a garage with PV panels to charge your car. Of course you would need >>>>>>>>>> storage batteries in your garage to collect and store the electrons >>>>>>>>>> from >>>>>>>>>> solar photons so you can charge your car at night. The whole process >>>>>>>>>> should >>>>>>>>>> be on the order of maybe 8% efficient if you’re lucky. >>>>>>>>>> >>>>>>>>>> --FT >>>>>>>>>> Sent from iFōn >>>>>>>>>> >>>>>>>>>>> On May 27, 2022, at 4:31 AM, mitch--- via Mercedes < >>>>>>>>>> mercedes@okiebenz.com> wrote: >>>>>>>>>>> When I first heard of ZEVs, I thought "Oh, you mean Remote >>>>>>>>>>> Emissions >>>>>>>>>> Vehicles". >>>>>>>>>>> Mitch. >>>>>>>>>>> >>>>>>>>>>>> On 2022-05-26 17:24, dan penoff.com via Mercedes wrote: >>>>>>>>>>>> And I don’t want to start the back and forth up, but the >>>>>>>>>>>> electricity >>>>>>>>>>>> to charge those batteries has to come from somewhere, and it’s >>>>>>>>>>>> likely >>>>>>>>>>>> generated using fossil fuels at present. >>>>>>>>>>>> So the emissions are going to come from somewhere in the process, >>>>>>>>>>>> just >>>>>>>>>>>> not from a tailpipe on the car in this case. >>>>>>>>>>> >>>>>>>>>>> >>>>>>>>>>> _______________________________________ >>>>>>>>>>> http://www.okiebenz.com >>>>>>>>>>> >>>>>>>>>>> To search list archiveshttp://www.okiebenz.com/archive/ >>>>>>>>>>> >>>>>>>>>>> To Unsubscribe or change delivery options go to: >>>>>>>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>>>>>>> >>>>>>>>>> _______________________________________ >>>>>>>>>> http://www.okiebenz.com >>>>>>>>>> >>>>>>>>>> To search list archiveshttp://www.okiebenz.com/archive/ >>>>>>>>>> >>>>>>>>>> To Unsubscribe or change delivery options go to: >>>>>>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>>>>>> >>>>>>>>>> >>>>>>>>> _______________________________________ >>>>>>>>> http://www.okiebenz.com >>>>>>>>> >>>>>>>>> To search list archiveshttp://www.okiebenz.com/archive/ >>>>>>>>> >>>>>>>>> To Unsubscribe or change delivery options go to: >>>>>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>>>>> >>>>>>>> _______________________________________ >>>>>>>> http://www.okiebenz.com >>>>>>>> >>>>>>>> To search list archiveshttp://www.okiebenz.com/archive/ >>>>>>>> >>>>>>>> To Unsubscribe or change delivery options go to: >>>>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>>>> >>>>>> >>>>>> _______________________________________ >>>>>> http://www.okiebenz.com >>>>>> >>>>>> To search list archives http://www.okiebenz.com/archive/ >>>>>> >>>>>> To Unsubscribe or change delivery options go to: >>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>> >>>>> >>>>> _______________________________________ >>>>> http://www.okiebenz.com >>>>> >>>>> To search list archives http://www.okiebenz.com/archive/ >>>>> >>>>> To Unsubscribe or change delivery options go to: >>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>> >>>> _______________________________________ >>>> http://www.okiebenz.com >>>> >>>> To search list archives http://www.okiebenz.com/archive/ >>>> >>>> To Unsubscribe or change delivery options go to: >>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>> >>> >>> _______________________________________ >>> http://www.okiebenz.com >>> >>> To search list archives http://www.okiebenz.com/archive/ >>> >>> To Unsubscribe or change delivery options go to: >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> >> _______________________________________ >> http://www.okiebenz.com >> >> To search list archives http://www.okiebenz.com/archive/ >> >> To Unsubscribe or change delivery options go to: >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> > > _______________________________________ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com _______________________________________ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
