Yes, but not if the walls are built correctly. Termites can be easily controlled by placing a barrier called a “termite shield” which blocks the termites’ ability (subterranean termites) to migrate up the wall. These shields are like flashing and are placed at the bottom of the wall. Additionally, pressure treated bottom plates are always used. Termites will not bother pressure treated wood and this adds another barrier. Once built, routine maintenance (inspections) will assure that termites never become a problem. There are homes that are centuries old which were built of wood.
This is the amount a homeowner is liable for before a claim will be paid. But a cost estimating software low deductible usually indicates a higher premium. This figure will usually be in the range from $100 to $5000. While a common deductible is $500, raising this amount to $1000 can save up to 20% on the premium. The savings will be realized in only a couple of years when upping this figure, but it is important to make sure that it can be easily paid.
NEVER give your film negatives or original videotape to the adjuster. Give copies of the photos and videos, if they ask for them. Keep track of your expenses for photos and videos…you can recover that cost.
There are many tricks of the trade so to speak in estimating and if you do a fair amount of them you will develop your own as well. It is always good to round your numbers up, not down to make sure you have covered the amount you need. If you budget $1500 and only spend $1425, that’s great. If you budget $1000 and it costs $1600, that’s not so good and may cause you not to be able to finish the work. Be it a deck, a patio, or a shed, you need to know how much your going to spend for materials BEFORE you start.
Most experts agree that green Construction cost estimating ranges from nothing at all to a nominal cost. It is possible to go to the next level and increase costs by using exotic items in the building plan. In most cases, this is not done, and the cost of the green structure does not differ much from the cost of the traditional building. Most builders are trying to do the right thing today anyway. Even when they do not consider what they are doing as green, they still try to do the right thing. They also have some very strict codes they must follow.
The adjuster should greet you and take a minute to confirm information such as your name, the year/make of vehicle and your claim number. If it’s summer, the adjuster will more than likely inspect your car out in the parking lot. Be nice and try not to park the damaged part of the car over a puddle. If the damage is to the front of the car, don’t pull right up to a fence or wall. There needs to be some room to inspect the damage and take pictures. If it’s winter, the adjuster may have you pull the car into one of the shop bays for inspection.
At this first meeting with the adjuster, make requests for advance payments, if necessary. (See Chapter Nineteen, Advance Payments.) If you’ve had a major Contents loss, like fire, smoke or water damage, you’ll need to replace some of these items quickly. If you have had a loss which leaves you unable to live in your home temporarily, you’ll need money to pay for hotel rooms, or temporary housing, or a short term lease for a house or apartment (Additional Living Expense coverage). Insurance companies will make these types of advance payments to the insured when the advance is requested. They seldom offer an advance.