Twice Denied Homeowners Insurance Claim Leads to New Roof

severely damaged roof from hail and wind

A homeowners insurance claim is illegitimately denied only to have the damage exacerbated by new storm damage.

SPRING, TEXAS, UNITED STATES, December 1, 2020 / — Twice Denied Homeowners Insurance Claim Leads to New Roof.

Property damage may include damage to your home, your patio furniture, your fence, your mailbox, or any other belonging on your property. How much you may be able to recover for your property damage can be determined by proof of replacement value, repair costs, the inability to use until fixed or replaced.

Having a roof insurance claim denied is common. Luckily, a roof damage claim denial does not have to be the last word. Understanding the insurance claim process and how to challenge an insurance denial is a valuable skill for every homeowner. In most situations, your homeowners insurance covers roof damages due to a storm. You can expect a claim rejection letter if the peril is excluded by your homeowners insurance policy. Knowing what your homeowners insurance policy excludes is very important. Some standard homeowners insurance policies (HO-3) cover common disasters, but not everything. Some insurance policies have separate wind and hail damage deductible. Make sure to read your policy carefully to understand what damage is covered.

It Was the Other Storm’s Fault

In the spring of 2016, the Spring, Texas area experienced a wind and hail storm that damaged the roof and exterior of our clients' home. Our clients, one a 40-year plus emergency room nurse, filed a homeowners insurance claim with their insurer who sent out an adjuster who wrote the damage off as minimal and failed to cover the damage to the roof. The adjuster claimed the roof damage was less than $1000 and under the deductible, even though other houses in the neighborhood received new roofs due to the wind and hail damage. Our clients trusted the results the insurance company provided them with and did not pursue any action after the initial insurance claim denial.

Then came Hurricane Harvey a year later and the roof leaks that followed. Our clients filed another homeowners insurance claim to which their insurance company responded by sending out another adjuster, who came back telling them the roof leaks were a result of previous damage and/or wear and tear, not the storm. That meant the insurance company most likely misrepresented the scope of damages during the first claim back in 2016. Having experience with one denied homeowners insurance claim already, our clients called us to take their case. Our own third-party adjuster concluded the damage from the hailstorm in 2016 that went unrepaired was exacerbated by Hurricane Harvey and ultimately the fault of the insurance company for not fixing the repairs before the hurricane’s impact.

Bad Faith Insurance Claim Seeks Redemption

If the insurance company had fixed the repairs to the home from the initial claim, the damages inflicted during Hurricane Harvey would have been reduced or less severe. We filed suit and sent a demand letter to the insurance company, who settled at mediation with us and provided the funds for the repairs to the exterior of the home as well as a brand new roof for our clients.

Because an insurance company has an obligation of good faith and fairness with the people it insures, those who believe an insurance company has not acted fairly and in good faith also can have a claim for common law bad faith and statutory violations. The Texas Insurance Code also provides the rules for how insurers must behave towards policyholders.

Houston Property Insurance Lawyers

Has your homeowner’s or commercial business insurance claim been denied? We can help. Representing thousands of client’s against big insurance companies, our insurance claims attorneys aggressively protect the rights of the policyholder. Our consultations are free, and you owe us nothing until we win your case. Contact us today.

Chris Flynn
Chad T. Wilson Law Firm
+1 8326833763
Visit us on social media:

Source: EIN Presswire

A recent whitepaper from OpenWork Agency outlines a new approach to pricing for coworking businesses.

Pricing Innovation in the Coworking Industry

Pricing Innovation in the Coworking Industry

In the context of the Covid-19 pandemic, yesterday’s coworking models are in need of strategic shifts in order to accommodate the broader corporate transition to flexible and hybrid working.”

— Drew Jones, PhD – Founding Partner OpenWork Agency

AUSTIN, TEXAS, USA, December 1, 2020 / — A recent whitepaper from OpenWork Agency outlines a new approach to pricing for coworking businesses.

Companies and employees are beginning to plan their return to working outside of the home. Coworking operators will be challenged in new ways. OpenWork predicts that significant changes in both access and pricing are on the horizon.

Post-covid, many workers will split their time between the company office, their home office, and their local coworking space or coffee shop. There will be less need to have ‘permanent’ access to a single workspace in such a hybrid and distributed working environment.

In the whitepaper- Pricing Innovation in the Coworking Industry– OpenWork offers a new pricing model borrowed from the hotel and airline industries- yield management pricing.

The paper suggests that we will soon enter a period of hyper-commoditization of space, where users will access spaces on a just-in-time basis with just-in-time pricing.

Monthly and annual contracts require coworking members to buy more than they often use, which prevents inventory from being utilized efficiently. Hourly and daily bookings, priced according to availability, peak periods, and other demand factors, offer greater flexibility in pricing and will benefit buyers and sellers.

Yield management in coworking is the next logical step in the long-term shift from long-term leases to just-in-time access. Emerging from the pandemic offers the coworking industry an opportunity to reposition for a new phase of innovative growth.

OpenWork is a workplace consultancy with seven years of experience working with asset owners and real estate developers around the world.

OpenWork Agency
OpenWork Agency
+1 512-522-3712
email us here
Visit us on social media:

Source: EIN Presswire

The Air-Sanitizing Desktop Lamp to Best Protect Your Family – Disinfection Against Airborne Viruses and Bacteria

Air-sanitizing Desktop Lamp

The most cost-effective air-sanitizing Desktop Lamp to protect your family from the COVID-19 and flu viruses in the air at home and in office.”

— Matthew Maa

RENTON, WASHINGTON, UNITED STATES, December 1, 2020 / — Aleddra, the Seattle-based light technology company, announces today its patented Air-Sanitizing Desktop Lamp will be available for sale during the 1st half of December. In 2019 the Aleddra Desktop Lamp was recognized by IES (Illuminating Engineering Society) as providing a unique and significant advancement to the art and science of lighting. The Aleddra Desktop lamp is both an air-disinfection system that addresses airborne viruses and bacteria and a circadian desk lamp.

The Aleddra Desktop Lamp uses a filter that is coated with a high-density photocatalyst material, which is activated by visible light, and eliminates airborne pathogens when trapped in the coated filter. This disinfection process is known as Photoelectrochemical Oxidation (PECO). Test Results from an independent lab found that the Aleddra Desktop Lamp deactivated 99.5% H1N1 Influenza A virus in a 1000 cubic-feet test chamber in 60 minutes. This compares to a UVC “puck light” that takes between 2-3 hours to achieve a 90% disinfection rate in a 50 square foot area, while the Aleddra Desktop Lamp achieves a 99.5% rate in (1) hour and in an 100 square foot area. Since the Aleddra Desktop Lamp does not emit UVC which is a potential health hazard, there are no safety concerns. It can operate 24/7 in various application environments.

Additional features of the Aleddra Desktop Lamp include:
• Circadian light selections: 2700K, 4000K, and 5000K and can be adjusted depending on the time of day
• Bi-Level Dimming
• (2) USB ports for charging portable electronic devices

Product video:
Product webpage:

To purchase the Air-Sanitizing Desktop Lamp to best protect your family against the flu bugs and COVID-19, please contact Aleddra at or 425-430-4555.

Matthew Maa
email us here
Visit us on social media:

Air-sanitizing Desktop Lamp

Source: EIN Presswire

Label & Co. Introduces the Seaview 5, its New 5 Bedroom, 3 1/2 Bath Floor Plan at Sky Cove of Westlake

5 Bedroom, 3 1/2 Bath Floor Plan at Sky Cove Westlake, FL

Seaview 5 Contemporary Model

New 5 Bedroom, 3 1/2 Bath Floor Plan at Sky Cove of Westlake, FL - Seaview 5

Seaview 5 features an open first floor layout and double master bedroom suites.

Builder sees continued demand for single-family homes with flexible living spaces and big backyards.

This plan was designed for the way people truly live these days,”

— Roseline Serrano, Director of Sales at Sky Cove

WESTLAKE, FL , USA, December 1, 2020 / — Boutique community builder Label & Co. announced the introduction of a brand new, 5-bedroom floor plan at Sky Cove, its gated neighborhood of 204 single-family homes in the new City of Westlake, Florida. Starting at $432,900, the two-story, 2,755 square-foot Seaview 5 model with upstairs and downstairs master bedroom suites, is now the largest plan available at Sky Cove. As one of its most flexible plans as well, Seaview 5 offers buyers upstairs loft and master sitting room options.

“This plan was designed for the way people truly live these days,” said Roseline Serrano, Director of Sales at Sky Cove. “If you have a large family, need space to work from home, a place for your kids to study, a place to exercise, to hang out, want a master sitting room to get away from it all, or you have several generations living together – the Seaview 5 is a great plan to consider.”

According to Serrano, the new and larger Seaview 5 floor plan expands on the original Seaview model’s ground floor layout with master suite and expansive, open kitchen, living and dining areas. But Label & Co. completely reimagined Seaview 5’s second floor to include a second master bedroom suite plus 3 additional spacious bedrooms – most with walk-in closets.

“You can opt to swap one of the upstairs bedrooms for a master sitting room or loft – or both – at no additional charge,” added Serrano. “The Seaview 5 is truly one of our most flexible floor plans.”

Sky Cove of Westlake’s 6 furnished models opened in late January 2020 and the neighborhood is already over 80% sold out. Serrano credits Sky Cove’s record-breaking sales to the value and design Label & Co. builds into their homes.

“At Sky Cove, every home comes standard with up to $20,000 of features other builders consider to be upgrades,” explained Serrano. “Our homes already include impact glass windows and doors, luxurious quartz countertops, oversized kitchen islands, upgraded cabinetry and floor tile, gypsum concrete 2nd stories for sound insulation – and so much more.”

“And, she added, “the City of Westlake has amazing recreation facilities, infrastructure and great schools. Families love it out here!”

Sky Cove’s eleven, 3 to 5-bedroom, single-family floor plans start in the low $300,000s and range from 1,458 to 2,755 square feet, offering something for everyone. All include big backyards. Several plans offer optional dens and lofts, first-floor masters and double-master-suites. Contemporary, Mediterranean and Coastal elevation options are available at no additional charge.

Sky Cove is a short walk from the amazing, $15M Westlake Adventure Park. Phase 1 of the Adventure Park features a tropical lagoon pool, a tower slide, splash pad, poolside concessions, an Adventure Playground, a BMX Pump Park and even bocce ball courts. Residents can barbecue at one of the many picnic areas, take in a concert at the pavilion, a yoga class on the event lawn, cool off with an ice-cream from Scoops – and bike or golf cart along the community’s extensive multipurpose pathways.

Westlake already boasts a 24-hour physician-staffed ER and fire station. Future plans for the City of Westlake include a vibrant town center with shopping, retail and more.

For more information about new homes in Palm Beach County, visit the Sky Cove of Westlake website.

More About Sky Cove of Westlake
Within the brand-new city of Westlake, Florida, discover Sky Cove, a gated neighborhood of just 204 single-family homes built by award-winning Label & Co. With 11 new, one- and two-story, 3 to 5-bedroom floor plans, three beautiful exterior elevations, incomparable luxury upgrades, and so many ways to personalize your home, Sky Cove is truly the perfect community for all kinds of families!

Sky Cove Sales Center
5568 Starfish Road, Westlake, FL 33470
Open 7 Days from 10:00 a.m. – 6:00 p.m.
Directions: Sky Cove is located within the City of Westlake off Seminole Pratt Whitney Road between Okeechobee Boulevard and Northlake Boulevard. From Seminole Pratt Whitney Road, turn East onto Town Center Parkway North and follow signs to Sky Cove Models.
For more information and appointments visit
or call 561-792-3004.

About Label & Co.
The boutique builder with the big builder pedigree, Label & Co.’s executive team led by Harry L. Posin, the former President of Minto Communities, leverages 30+ years of experience building over 20,000 residences in South Florida, to build incomparable homes for discerning homebuyers. Its recently completed Centra Falls, Centra Falls West and Chapel Grove communities in Pembroke Pines were three of the top-selling townhome communities in Broward County.

Karen Duarte
Exults Digital Marketing Agency
+1 954-763-1130
email us here
Visit us on social media:

Source: EIN Presswire

To Live and Die in LA?

Newport Coast homes for sale, Newport Beach real estate, condos for sale in Newport Beach, Balboa Island homes for sale, Big Canyon homes for sale, Corona Del Mar homes for sale, homes for sale in the Port Streets, and houses for sale in Orange County

To Live and Die in Los Angeles or Newport Beach – Newport Coast & Corona Del Mar

Realtor Newport Coast, Real Estate Agent Balboa Peninsula, Newport Beach Realtor, Newport Coast Homes For Sale, Homes For Sale In Newport Beach

NEWPORT BEACH, CA, UNITED STATES, December 1, 2020 / — How about neither. The impact of Covid-19 is causing a massive increase in demand for homes in Orange County, especially in the Newport Beach real estate market. Many regard Orange County’s coastal cities as cleaner, safer and more attractive than its counterparts in Los Angeles.

Is Newport Beach the new Beverly Hills?
When comparing key real estate industry metrics, you can see how Newport Beach has become the new Beverly Hills of Orange County. The real estate market in Newport Beach includes Newport Coast homes for sale and Corona del Mar homes for sale, sometimes referred to as adjacent communities within Newport Beach.

Key Metric Beverly Hills Newport Beach
Days on Market: 105 Beverly Hills, 83 Newport Beach
Average Price per Square Foot: $1,052 Beverly Hills, $1,080 Newport Beach
Active Listings: 324 Beverly Hills, 431 Newport Beach
Homes In Escrow: 39 Beverly Hills, 167 Newport Beach
Sold over past 30 days: 36 Beverly Hills, 140 Newport Beach
Months of Inventory: 9 Beverly Hills, 3 Newport Beach

In every category, Newport Beach surpasses Beverly Hills. If you consider the beautiful beaches and gorgeous views, you can understand why Newport Beach is finally being recognized as one of the world’s greatest destinations to live and work.

One other key benefit of living in Newport Beach is the community is very, very safe. While homes in Beverly Hills may have high security (gates, guards, etc., Newport Beach has these too), the city is surrounded by higher crime areas such as Hollywood, Santa Monica, Culver City, and Los Angeles. Newport Beach is surrounded by Costa Mesa, Irvine (Safest City over 250,000 in America), and Laguna Beach.

Some of the most notable attractions in Newport Beach are Pelican Hill Resort and Golf Club, Fashion Island Mall, Crystal Cove State Park and the Newport Beach Harbor.

The luxury market continues to show strength with the highest ever sales prices being recorded. In October, 15 Del Mar in Newport Coast sold for $61,000,000. It is an 18,717 square foot home on a 39,184 square foot lot. That is $3,259 per square foot…well above the average of $1,080.

We have successfully found homes for our clients through our private network of professional agents, as well as our own inventory. More than ever, today’s hyper competitive market requires the skills of an experienced agent.

For more information about Newport Beach homes and the Newport Beach real estate expert, visit us at

TriVista Real Estate is a team with Compass lead by industry veteran, Tim Robertson, DRE#01413500. TriVista Real Estate can be reached at (949) 436-7050 or

Steven Lockhart
TriVista Real Estate
+1 949-436-7050
Visit us on social media:

Newport Beach Real Estate, Newport Coast, Corona Del Mar, Orange County, Back Bay, Balboa Island, Balboa Peninsula, Balboa Village, Eastbluff, Lido Island

Source: EIN Presswire

The 3 E's of Reverse Mortgages

Certified Reverse Mortgage Professional

Paul Scheper, CRMP, CSA, MBA

A reverse mortgage might be the answer

You can’t take it with you – Enjoy Your Retirement Now

Counseling is the key step

Reverse Mortgage Counseling Explained

Counseling is the bedrock of Reverse Mortgage Education

Education is the most powerful weapon that people have in this world.”

— Nelson Mandela

IRVINE, CA, UNITED STATES, December 1, 2020 / — The 3 E's of reverse mortgages are Education, Education, Education.
Anyone obtaining a Housing and Urban Development (HUD) reverse mortgage (even a Jumbo or Conventional reverse mortgage) is required to meet with a third-party HUD approved Home Equity Conversion Mortgage (HECM) counselor. Counseling is the bedrock of the Education of a Reverse Mortgage Homeowner. The role of the counselor is to educate you about the features of reverse mortgages as well as the suitability of a reverse mortgage or other financial alternatives to a reverse mortgage. The counselor should not tell you whether to proceed with the reverse mortgage or which product to use but will provide guidance to help you make an informed decision for your situation.

To prepare for the counseling session, HUD requires you are provided with an information packet prior to the counseling session. This packet contains important financial and informational documents. The National Counseling on Aging (NCOA) booklet, “Use Your Home To Stay at Home – A Guide for Homeowners Who Need Help Now" is a great packet to review before the counseling takes place. The financial documents are key — "know the numbers" by reviewing Loan Comparisons, Amortization Schedules, and TALC calculations (Total Annual Loan Calculations). These documents will show you what the costs are, and how the loan balance and credit line changes over time, if you decide to make a payment on a reverse mortgage or to just let the interest accrue for a delayed payment.

During the counseling session the counselor will explain the concepts of reverse mortgages and answer any questions you may have. It's not a quiz. It's just a conversation to make sure you know that the property taxes and insurance and association dues still need to be paid by the homeowner. They also clarify that this is not a free lunch, there are closing costs to obtain a reverse mortgage and interest needs to be paid (either at the end of the loan, or monthly, or whenever you feel like it).

The counselor may not provide legal, financial or tax advice as they are not attorney’s, financial advisors or tax advisors or CPAs.
During the counseling session the counselor will go over more things like:

1. Review your needs and circumstances as well as alternatives and options as available and appropriate.
2. Create a budget based on your income, assets, debt and expenses.
3. Discuss fraud prevention, i.e. how to avoid becoming victims of fraud schemes that happen on all loans, not just reverse mortgages.
4. Review the reverse mortgage information and details including reviewing the loan printouts of calculations comparing products, estimated amortization schedule, Total Annual Loan Cost (TALC), and HUD allowable fees. It is appropriate for the counselor to use the ones the originators provided to you.
Review your level of understanding of reverse mortgages including:
5. The basic mechanics, requirements, and implications. They want you to know that this is just a loan. And that the title, ownership, deed always remain with the senior homeowner, just like all loans. It is just a loan.
6. The impact on your personal financial situation of the particular loan you are interested.
7. Your responsibilities and requirements for residency. Basically, you need to live in the home.
8. Counselors are NOT allowed to steer you to or encourage or discourage any particular product. Their role is to explain and discuss the printouts and information without bias.

Additionally counselors are NOT permitted to promote, represent, recommend or speak for any specific lender. Counselors are NOT to steer to any lender or provide any information on which lenders are offering specific HECM variations or proprietary products. Counselors are NOT to provide information on the specific costs charged because costs are subject to market fluctuations and may depend on variables that are not constant from client to client.

Counseling can be done in person or by phone. Even before the Covid-19 pandemic hit the world, most counseling sessions transpired over the phone. Counseling is vital and necessary because it helps a senior determine if a reverse mortgage is suitable and appropriate for their needs. A reverse mortgage needs to fit, it needs to be customized to the needs of the homeowner. It needs to be the right loan, for right person, for the right property, for the reason, at the right time. A reverse mortgage is like a financial swiss army knife — it's flexible and versatile — and can help senior homeowners feel a sense of control, comfort, freedom, joy, security and peace of mind.

Paul E. Scheper, President
Loangevity Mortgage
9496367242 ext.
email us here

Source: EIN Presswire