Fire Insurance and You
Subtitle: How to Get  All the Protection You Purchased
Publisher: Destiny Publishing
Published: January 1997
Place of publication: Canada
Language: eng
Format: Paperback
Number of pages: 109
ISBN-13: 9781896400266
First sentence: Insurance is a service we purchase but hope we’ll never use. Yet every day innocent people like you and I are scooped up, bounced around and beaten black and blue by circumstances beyond their control, and they lose lives, livelihoods and savings. At any moment it could happen to you or me.
Description: FIRE INSURANCE AND YOU

How to get ALL THE PROTECTION
you purchased
FROM YOUR INSURANCE COMPANY
	Insurance is costly. In trouble, insurance ought to be a comfort. It should protect you from loss. If it fails to do so, you can lose big. What we need to win battles with insurance companies is not a book by generals for generals, i.e. by lawyers for lawyers.  We need this book of practical step by step strategies for pushing insurance companies back when they draw their weapons.  It is often too late to learn how to manage an insurance claim when it explodes at your doorstep. You must arm yourself with knowledge in anticipation of the event, plan and purchase your insurance with wisdom and keep the information concerning claim management on file for the time you or someone you care about needs it. In this way you may prepare to defend yourself if or when your insurance company decides to attack.  This small investment in property insurance savvy could save you a bundle, not only when you make a claim, but through the premium paying years as well. In Fire Insurance and You, you learn:
11 SUGGESTIONS FOR PURCHASING FIRE INSURANCE 
10 MISTAKES THAT ROB YOU OF PROTECTION 
7 ISSUES IMPORTANT TO INSURANCE POLICY COVERAGE
11 STEPS IN AN INSURANCE CLAIM
9 ISSUES ESSENTIAL TO INSURANCE CLAIM MANAGEMENT
17 FACTORS TO UNDERSTAND THE PSYCHOLOGY OF AN INSURANCE CLAIM
24 ISSUES RELATED TO FIRE INSURANCE PROTECTION
15 PROBLEM AREAS IN AN INSURANCE CLAIM
10 PROGRESSIVE PERSONAL PRESSURE TACTICS
6 ISSUES RELATED TO TWO TYPES OF PROFESSIONAL HELP
7 ATTITUDES AND ACTIONS CONTRIBUTING TO THE VICIOUS CYCLE OF INSURANCE ABUSE

All of this information is designed to save you money - perhaps thousands of dollars.
Notes: Table of Contents
Foreword	13
Introduction — The Safety Net	17
Chapter 1	21
Eleven Suggestions For Purchasing Fire Insurance
1.	The Reputation of the Insurance Company
2.	The Size of the Insurance Company
3.	The Stability of the Insurance Company
4.	The Service of the Insurance Company
5.	The Insurance Retailer
6.	The Insurance Premiums
7.	Group Insurance
8.	Insurance Coverage
9.	Insurance Type
10.	Policy Provisions
11.	Deductibles
Chapter 2	36
Ten Mistakes That May Rob You of Insurance Protection
1.	False Statements on your Application
2.	Failure to Disclose Information on your Application
3.	Non-continuous Disclosure
4.	Property Left Vacant
5.	Property Temporarily Vacant
6.	Contravention of a Policy Condition
7.	Fraud
8.	Increasing Damage
9.	Statutes of Limitation
10.	Being Cancelled by Your Insurance Company
 
 
Chapter 3	- 42
Seven Issues Foundational to Insurance Policy Provision
1.	Inventory Your Possessions
2.	Make a Video of Your Premises and Possessions
3.	Take Pictures of Your Home and Possessions
4.	Have Precious Possessions Appraised
5.	Make a List and Description of Collections
6.	Antiques, Art and Collectibles
7.	Know What Your Insurance Policy Says and Provides
Chapter 4	45
Eleven Steps in an Insurance Claim
1.	The Loss
2.	Notification of Loss
3.	The Agent
4.	The Adjuster
5.	The Assessment
6.	Proof of Loss
7.	Additional Living Expenses
8.	Negotiation
9.	Determined Disagreement
10.	Settlement
11.	A Full and Final Release
Chapter 5	50
Nine Issues Essential to Insurance Claim Management
1.	Know What Your Policy Provides
2.	Document Your Loss Immediately and Thoroughly
3.	Take the Largest, and All Advances Offered
4.	Request Compensation According to Policy Provisions
5.	Get Everything in Writing
6.	Journal Your Claim
7.	Keep out of the Middle, Financially
8.	Retrieve Your Deductible
9.	Get Away Clean
 
 
11.	Replacement Depreciation
12.	Later Replacement
13.	Replacement of Repaired Items
14.	Extending the Replacement Period
15.	Taxes
16.	Salvage
III.	Claim Category: Property
17.	Property Protection
18.	Assessing Loss
19.	Notarizing
20.	Property Ownership
21.	Personal Repairs
22.	Professional Repairs
23.	Choice of Contractor
24.	Direct Billing

Chapter 8	74 Fifteen Problem Areas in an Insurance Claim
1.	Pittance Public Relations
2.	Lack of Trust
3.	Miserliness
4.	Low Early Offers
5.	Keeping Expenses Down (Mitigation)
6.	Intent Prior to a Loss
7.	Delays
8.	Interest
9.	Hidden Damage
10.	Substandard Repairs
11.	Continued Coverage
12.	When Your Insurance Company Cancels Coverage
13.	If You Cancel Your Policy
14.	Pressure from a Building Inspector
15.	Unowned Liability
 
 
Chapter 9. 83 Ten Progressive Personal Pressure Tactics
1.	Don’t Be Too Personal
2.	Appeal to the Adjuster
3.	Appeal to the Insurance Agent/Broker
4.	Appeal to Superiors
5.	Appeal to Group Sponsor
6.	Inform the Media
7.	Appeal to the Insurance Bureau
8.	Invite to Small Claims Court
9.	Appeal to the Superintendent of Insurance
10.	To Threaten May Be Sufficient

Chapter 10	91 Six Issues Related to Two Types of Professional help
1.	Basic Rules for Who to Hire
2.	Hiring a Lawyer
3.	Hiring a Public Adjuster
4.	Appraisal
5.	Retrieving Additional Loss
6.	Complications Created by Hiring Professionals

Chapter 11	101
Seven Attitudes and Actions Contributing to the
Vicious Cycle of Insurance Abuse
1.	Greed for Profit
2.	Fear of Catastrophe
3.	Innocent People Persecuted
4.	Adjusters Save Money
5.	Costly Claim Defence
6.	Costly Advertising
7.	Win at all Costs

Addendum                                106
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