Water damage is one of the most common reasons people make claims on their insurance policy. Frozen pipes, broken pipes, leaky appliances, roof leaks, drain backups and rain water often lead people to discover the details of their insurance policies.
Water damage and homeowners policies can be a tricky issue. You really have to sit down and talk to your insurance agent and make sure you have coverage for basic issues. In my experience, insurance companies will not cover the cause of the problem but they will pay for any resulting damages. For example, if you had a malfunction of your water heater which flooded your home/office, they usually will not pay to for the actual repair of the damaged water heater. But they will cover any cost from the damage to the structure that the water caused.
This does not cover a freeze-up situation. If you the water damage was a result of the frozen pipe, if it was caused by unforeseen problem insurance covers repairs to both the frozen pipe and the resulting damages.
Again, please speak with your insurance agent if you have an issue. They are your friend. By talking to him it does not mean you are putting in a claim. Whereas if you call your insurance company and ask questions, they automatically log the call as a filed claim.
Here are common water-damage scenarios and possible coverages.
1: Its the middle of winter. You go away on vacation. The temperature drops to 5 below zero, causing your water pipes to freeze and burst. Your neighbor calls you why you are away to tell you that your house is a block of ice .
Are you covered?
Yes, you're covered for water damage from burst pipes, but most policies won't cover you if you've left the house unoccupied and without heat. If that's the case, your claim could be denied because you've failed to perform your "Due Diligence" that would have prevented that accident.
2: Your pool cracks and floods your lawn and into your basement.
Are you covered?
The damage to your basement and your personal property are covered, but not the damage to your lawn. But again, ask your insurance agent and check your policy. According to a sample policy, "We do not cover land, including land on which the dwelling is located." However, your lawn is covered if it's damaged by certain "named perils." These include fire, explosion, riot, aircraft, vehicles not owned by you and vandalism. The amount of coverage for lawns and plants is small — usually only up to $500. Swimming-pool leaks are not a named peril. But if your leak was caused by a tree falling on the pool, it would be covered.
3: Your washing machine overflows, flooding the basement.
Are you covered?
Yes. But it depends on your home insurer's view of the problem: Did you fail to maintain the washer properly or did sudden, accidental damage cause the flood?
"Most of the time, if an appliance breaks and water goes all over, insurance covers it. In the case of a washing machine, you might need to purchase replacement parts out of your own pocket because they were not maintained correctly, but the damage to your basement is covered," says Griffin.
4: A sewer backs up, flooding your basement.
Are you covered?
No. Standard home insurance policies don't cover sewer backups, and many specifically exclude damage from sewer back-ups. Special endorsements are available, at added cost, for sewers and drains. Call your insurance agent to find out if you have the endorsement. It is not a fun job to cleanup. Trust me.
5: Water seeps from the ground into your basement, damaging your foundation and interior.
Are you covered?
No. Seepage is considered a maintenance problem, not "sudden and accidental" damage, and is excluded from home insurance coverage. Rainwater falls into this category.
6: During a heavy rainstorm, water leaks through your roof. The roof is damaged, as is furniture.
Are you covered?
Somewhat. You're unlikely to be reimbursed for roof repairs because that's a house-maintenance issue. If if it turns out that wind has damaged the roof you might be covered. Call your insurance agent to find out if have an issue. But the water damage to your home is covered. Damage to your furniture is also likely covered if you have a standard H0-3 homeowners policy, but not if you have a generic HO-1 policy (which many insurers don't even sell anymore).
If your neighbor's tree falls on your roof, the damage to your roof, home and belongings is covered. Your policy also reimburses you up to a certain amount, usually around $500, for the cost of removing the tree.
7: A nearby lake or river overflows its banks, causing a flash flood in your living room.
Are you covered?
No. Flood damage is not covered by home insurance. You must purchase flood insurance for that. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program. But flood insurance does not kick in for any property below the front door. Which mean if you get flooded and you walk into the damages area and have to step down to get to it, they do not cover anything below grade.
Tips
I touched on this earlier in this post. But I can't stress this enough. Don't shoot yourself in the foot by reporting damage to your home insurance company that's not covered by your policy. Your damage report may still go on your insurance record and look like a claim when you shop for new insurance in the future. Call your insurance agent. They are your friends. It will not cost you anything to ask them questions. And they will answer it honestly and openly because your are their client. their job is to serve you. Whereas the insurance company will be looking out for the insurance company.
Be careful how you report damage to your insurance company. While you should be truthful, make sure you explain the situation using the most accurate language — or you could find your claim denied.
"What you say initially can affect the outcome of your claim. Many people believe their house is flooded because it's full of water — but it's not a 'flood' by the insurance definition," says Allan Sabel of Sabel & Associates, a Bridgeport, Conn.-based adjusting firm.
This may seem like a minor distinction, but your insurer has a very narrow definition of a "flood," which is not covered by home insurance. To an insurance company, flooding means that the water came from an overflow of a lake, stream, river or other body of water. If it didn't, don't even say the word "flood," says Sabel. If your basement is filled with water due to a burst pipe, it's not a flood — even if its depth is knee-high.
"You just have to be careful," Sabel says. "Know exactly what is in your policy, what's covered, what's not covered, and report your claim accurately."
Read how one five-minute call to your insurance company can dog you for seven years.
Monday, June 29, 2009
Legendary Rangers Defenseman Brian Leetch Headlines Hall of Fame Class
I know it's late, been busy with work. Arguably the greatest American born hockey player, Brian Leetch was elected into the Hockey Hall of Fame this past week. Leetch was one of my favorite players growing up. It was a sad day when he was traded to Toronto. I'll admit my eyes watered up and I got goosebumps watching his jersey ceremony. Congratulations Brian, you deserve the 1st ballot election.
The greatest player the Rangers have ever produced will take his rightful place among the greats of the game.
In an announcement that has been scheduled ever since Brian Leetch hung up his skates three years ago, the Hockey Hall of Fame officially elected the legendary Ranger defenseman to its formidable Class of 2009. Leetch will join Steve Yzerman, Brett Hull and Luc Robitaille at the induction ceremony on Nov.9 in Toronto.
The 18-member selection committee also tabbed Lou Lamoriello for induction in the builders' category, which the Devils president called "a complete surprise" - the only one of the day, in fact.
"A pretty overwhelming day, to say the least. I'm certainly humbled, excited, proud," Leetch said on a conference call, later adding that he was perhaps relieved above all. "And congratulations to the rest of the guys (elected) today. Just an amazing thing."
Leetch, the Rangers' top pick in the 1986 draft, joined the team in 1988 after stints with Boston College and the U.S. Olympic team, and won the Calder Trophy as the top rookie the following season. He played 17 seasons in a Blueshirt, covering 1,129 games - nine fewer than Harry Howell's team record - scoring 240 goals and 981 points (second on the team list to Rod Gilbert) while establishing himself as one of the best two-way defensemen in history.
Leetch won Norris Trophies in 1992 and '97, and cemented his place in Ranger lore by taking home the Conn Smythe Trophy as the 1994 playoff MVP when the Blueshirts broke their 54-year Stanley Cup drought.
Leetch, 41, was driving in his car yesterday afternoon when a call came into his cell phone from a number with a Toronto area code - meaning good news was on its way from Hall chairman Bill Hay. "I pulled my car over, took the call from Bill, and then sat there for another 15 minutes or so," Leetch said. "It was a sigh of relief."
That's a stark contrast from the call Leetch received on March 3, 2004, when Glen Sather's number on his caller ID made Leetch's stomach drop. The Rangers president/GM was calling that day to inform his best player that he had been traded to Toronto - a deal that devastated Leetch.
Leetch's next trip to the Garden came in 2006 in a Boston Bruins sweater; he returned again on Jan. 24, 2008, to watch his No.2 ascend to the rafters.
While Yzerman (692 goals), Hull (741) and Robitaille (668) are connected by the Cup they won together in Detroit in 2002, Leetch, Hull and Lamoriello share a bond from their Team USA days, peaking with their victory over Canada in the 1996 World Cup final. Leetch - widely regarded as the best U.S.-born defenseman - also left an impression on Lamoriello during the Rangers' epic defeat of the Devils in the '94 semis.
"I wish I couldn't comment on that, but I will," joked Lamoriello, whose Devil teams have won three Stanley Cups. "He was the catalyst for that Ranger team. His play was just extremely exceptional. We couldn't contain him."
The '09 class stacks up as one of the best to enter the Hall, although it gets a challenge from the 2007 group led by Leetch's pal Mark Messier that included Scott Stevens, Al MacInnis and Ron Francis. None of yesterday's honorees cared to compare classes.
"It's just great to be going into the Hall of Fame and joining those guys," Leetch said.
Tuesday, June 23rd 2009
6:38 PM New York Daily News
The greatest player the Rangers have ever produced will take his rightful place among the greats of the game.
In an announcement that has been scheduled ever since Brian Leetch hung up his skates three years ago, the Hockey Hall of Fame officially elected the legendary Ranger defenseman to its formidable Class of 2009. Leetch will join Steve Yzerman, Brett Hull and Luc Robitaille at the induction ceremony on Nov.9 in Toronto.
The 18-member selection committee also tabbed Lou Lamoriello for induction in the builders' category, which the Devils president called "a complete surprise" - the only one of the day, in fact."A pretty overwhelming day, to say the least. I'm certainly humbled, excited, proud," Leetch said on a conference call, later adding that he was perhaps relieved above all. "And congratulations to the rest of the guys (elected) today. Just an amazing thing."
Leetch, the Rangers' top pick in the 1986 draft, joined the team in 1988 after stints with Boston College and the U.S. Olympic team, and won the Calder Trophy as the top rookie the following season. He played 17 seasons in a Blueshirt, covering 1,129 games - nine fewer than Harry Howell's team record - scoring 240 goals and 981 points (second on the team list to Rod Gilbert) while establishing himself as one of the best two-way defensemen in history.
Leetch won Norris Trophies in 1992 and '97, and cemented his place in Ranger lore by taking home the Conn Smythe Trophy as the 1994 playoff MVP when the Blueshirts broke their 54-year Stanley Cup drought.
Leetch, 41, was driving in his car yesterday afternoon when a call came into his cell phone from a number with a Toronto area code - meaning good news was on its way from Hall chairman Bill Hay. "I pulled my car over, took the call from Bill, and then sat there for another 15 minutes or so," Leetch said. "It was a sigh of relief."
That's a stark contrast from the call Leetch received on March 3, 2004, when Glen Sather's number on his caller ID made Leetch's stomach drop. The Rangers president/GM was calling that day to inform his best player that he had been traded to Toronto - a deal that devastated Leetch.
Leetch's next trip to the Garden came in 2006 in a Boston Bruins sweater; he returned again on Jan. 24, 2008, to watch his No.2 ascend to the rafters.
While Yzerman (692 goals), Hull (741) and Robitaille (668) are connected by the Cup they won together in Detroit in 2002, Leetch, Hull and Lamoriello share a bond from their Team USA days, peaking with their victory over Canada in the 1996 World Cup final. Leetch - widely regarded as the best U.S.-born defenseman - also left an impression on Lamoriello during the Rangers' epic defeat of the Devils in the '94 semis.
"I wish I couldn't comment on that, but I will," joked Lamoriello, whose Devil teams have won three Stanley Cups. "He was the catalyst for that Ranger team. His play was just extremely exceptional. We couldn't contain him."
The '09 class stacks up as one of the best to enter the Hall, although it gets a challenge from the 2007 group led by Leetch's pal Mark Messier that included Scott Stevens, Al MacInnis and Ron Francis. None of yesterday's honorees cared to compare classes.
"It's just great to be going into the Hall of Fame and joining those guys," Leetch said.
Wednesday, June 24, 2009
We Joined Technorati
I just signed us up for Technorati. You can follow us there now. Advanced Restoration's site will be updated shortly.
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Avoid the Seven Deadly Sins of Networking and How To Avoid Them
At a time when nearly all of us are scrambling for opportunities and helping others to do the same, people are in networking overdrive. Not a day goes by that I don't get a few emails from friends seeking introductions to other friends. All that connecting carries a huge risk of mistakes and missteps. Here's just a sampling of the many ways that well-intentioned attempts at networking can go wrong, and some simple ways to do better.
1. Asking for an introduction when you are too busy to properly follow up. We've all been there. You learn that someone you know knows someone you want to know and you are champing at the bit. You shoot off an email without much deliberation, the person replies promptly (since you have a mutual contact), and because you're completely swamped, you find it impossible to make time to meet.
Solution: Next time you learn that one of your contacts knows someone you want to know, file that information away and tell your friend you might ask for an intro when you're less busy.
2. Sending a too-long email that asks no question. As an networking novice, this is a species I know all too well. These emails usually contain some variation of "can you help?" as the header. The body of the email rambles on, hinting at some need, but never quite articulating a question. My first instinct is to delete these emails, and if they come from a stranger, that is often what I do (encouraging dialogue with ramblers can only lead to no good.) If I can see the bones of a question beneath the layers of fat (or if the sender is a friend of someone I know), I try to figure out what the person is looking for and answer the question I think is being asked.
Solution: When asking someone for advice, for an informational interview or for any other help by email, write a succinct note and be clear about what you are asking for.
3. Making introductions on behalf of people you can't vouch for. We all want to help people find new opportunities, but it can be damaging to your relationships and reputation to recommend people when you can't vouch for them. LinkedIn, which has automated the process of making introductions through mutual contacts, has made this problem more prevalent.
Solution: Next time a friend asks you to make an introduction on behalf of someone you don't know, instead of blindly recommending the person, ask your friend if he or she can provide a rave review. If the answer is yes, then you can tell your contact that while you don't have firsthand knowledge, someone you respect has given the person a strong review. If the answer is no, then your friend will certainly understand if you decline to make the introduction.
4. Making incorrect assumptions. This rule gets violated in many ways, but the most common is when you assume that you know what someone else wants -- in a job search, in building a business, in adding people to a network -- so you take some action designed to help without checking first to see if your efforts would be appreciated. Meddling relatives are experts at this.
Solution: Next time you have a brilliant idea for someone else's business, job search, or networking, ask first before you take any steps to help.
5. Using a social network without knowing how it works. Lots of attention has been paid to young people behaving badly on social networks. But what about middle-aged folks who join Facebook and don't realize that a wall posting is not a private message or that it is common courtesy on Twitter to acknowledge someone when you "retweet" one of their messages.
Solution: When you join a new social network, read up or watch an online tutorial on how it works and be an observer for a little while before diving in. If you make a misstep even when you know the rules, find an appropriate way to acknowledge your error.
6. Failing to properly follow up. If someone takes the time to help you in any way -- giving an informational interview, making an introduction, reviewing your resume, sending you a new client -- remember to follow up and give proper thanks. In most cases, a quick email, hand-written note or call will suffice. But what if you feel greater thanks are in order?
Solution: Send an Amazon gift card -- it's something practically anyone would appreciate and you can order it and have it delivered by email with a few clicks of the mouse. If you're strapped for cash, consider recommending the person on LinkedIn (assuming you're both on LinkedIn, and who isn't these days?)
7. Sending unwieldy attachments or too many samples of your work. If you're asking someone for advice and including samples of your work, make it as easy as possible for the person to review those samples. Rather than including attachments, which can be burdensome to open, try to include links to URLs. Free services like LinkedIn or VisualCV allow you to create an online version of your resume that includes a URL that you can selectively share. (I believe these new age resumes will soon completely replace the old-fashioned paper variety.) If you have a portfolio, set up a simple website to showcase your work.
Do you have any pet networking peeves -- and suggestions for how to avoid them? If so, please share in the comments.
1. Asking for an introduction when you are too busy to properly follow up. We've all been there. You learn that someone you know knows someone you want to know and you are champing at the bit. You shoot off an email without much deliberation, the person replies promptly (since you have a mutual contact), and because you're completely swamped, you find it impossible to make time to meet.
Solution: Next time you learn that one of your contacts knows someone you want to know, file that information away and tell your friend you might ask for an intro when you're less busy.
2. Sending a too-long email that asks no question. As an networking novice, this is a species I know all too well. These emails usually contain some variation of "can you help?" as the header. The body of the email rambles on, hinting at some need, but never quite articulating a question. My first instinct is to delete these emails, and if they come from a stranger, that is often what I do (encouraging dialogue with ramblers can only lead to no good.) If I can see the bones of a question beneath the layers of fat (or if the sender is a friend of someone I know), I try to figure out what the person is looking for and answer the question I think is being asked.
Solution: When asking someone for advice, for an informational interview or for any other help by email, write a succinct note and be clear about what you are asking for.
3. Making introductions on behalf of people you can't vouch for. We all want to help people find new opportunities, but it can be damaging to your relationships and reputation to recommend people when you can't vouch for them. LinkedIn, which has automated the process of making introductions through mutual contacts, has made this problem more prevalent.
Solution: Next time a friend asks you to make an introduction on behalf of someone you don't know, instead of blindly recommending the person, ask your friend if he or she can provide a rave review. If the answer is yes, then you can tell your contact that while you don't have firsthand knowledge, someone you respect has given the person a strong review. If the answer is no, then your friend will certainly understand if you decline to make the introduction.
4. Making incorrect assumptions. This rule gets violated in many ways, but the most common is when you assume that you know what someone else wants -- in a job search, in building a business, in adding people to a network -- so you take some action designed to help without checking first to see if your efforts would be appreciated. Meddling relatives are experts at this.
Solution: Next time you have a brilliant idea for someone else's business, job search, or networking, ask first before you take any steps to help.
5. Using a social network without knowing how it works. Lots of attention has been paid to young people behaving badly on social networks. But what about middle-aged folks who join Facebook and don't realize that a wall posting is not a private message or that it is common courtesy on Twitter to acknowledge someone when you "retweet" one of their messages.
Solution: When you join a new social network, read up or watch an online tutorial on how it works and be an observer for a little while before diving in. If you make a misstep even when you know the rules, find an appropriate way to acknowledge your error.
6. Failing to properly follow up. If someone takes the time to help you in any way -- giving an informational interview, making an introduction, reviewing your resume, sending you a new client -- remember to follow up and give proper thanks. In most cases, a quick email, hand-written note or call will suffice. But what if you feel greater thanks are in order?
Solution: Send an Amazon gift card -- it's something practically anyone would appreciate and you can order it and have it delivered by email with a few clicks of the mouse. If you're strapped for cash, consider recommending the person on LinkedIn (assuming you're both on LinkedIn, and who isn't these days?)
7. Sending unwieldy attachments or too many samples of your work. If you're asking someone for advice and including samples of your work, make it as easy as possible for the person to review those samples. Rather than including attachments, which can be burdensome to open, try to include links to URLs. Free services like LinkedIn or VisualCV allow you to create an online version of your resume that includes a URL that you can selectively share. (I believe these new age resumes will soon completely replace the old-fashioned paper variety.) If you have a portfolio, set up a simple website to showcase your work.
Do you have any pet networking peeves -- and suggestions for how to avoid them? If so, please share in the comments.
Tuesday, June 23, 2009
A Closer Look: Cause of Death
Where There's a Will... There's a Dead Guy
Another book I just downloaded on my Kindle from one of the greatest minds of our time.
Celebrating birthdays are always much more fun than thinking about becoming one with Force. But death can be quite interesting when broken down into unexpected statistics, false perceptions, bizarre myths and questions worth asking about diseases, accidents, occupational hazards, poisons, infections, murder, animal attacks, insect bites and war. Cause of Death: A Perfect Little Guide to What Kills Us by Lucy Autrey Wilson, Jack Mingo and Erin Barrett, a new book from George Lucas Books and Simon & Schuster, explores all the things that make us become Jedi ghosts before our time.
"As it must to all men, death came to Charles Foster Kane in one of the most famous movies of all time," filmmaker George Lucas writes in the book's introduction. "The eloquence of that notion -- that death will come to every single one of us -- has always been a bit of a morbid fascination for me. But is it really so morbid to be curious about the only thing in this world that is truly certain?.... But death is truth -- and its undeniably fascinating. So, I hope that Cause of Death will intrigue, inform, illuminate and perhaps even inspire you to action -- because when we learn a little about how we die, we also learn a lot about how we live."
Author Lucy Autrey Wilson, who fans might recall began her career with Lucasfilm in 1974 when she typed the script to the first Star Wars movie on an IBM Selectric typewriter, talks with Starwars.com about why George Lucas asked her to research a book about a topic most of us would rather avoid altogether.
How did the Cause of Death book project come about? Why did George Lucas want a comprehensive book of statistics and facts about all the ways humans can die?
In November 2000, in an interview between George Lucas and Tom Grace, George fleshed out his interest in a book that would provide "real" numbers and information on causes of death instead of the "funny" numbers one finds every time you read a newspaper or magazine. He thought providing people with the truth about death statistics would be both useful and entertaining. His good friend Jim Henson had died suddenly May 1990 from a bacterial infection. Because Henson traveled a lot, George had wondered if he caught the bug that killed him in an airport and that led to wondering what the most deadly diseases in the world really were. Tom had volunteered to write and research causes of death thinking it would provide good background for one of his thriller novels. The plan was for him to use his brother's proprietary software to search and find all the desired data online so the book could be put together quickly. Who knew, however, that finding accurate information on what a driver was doing when he crashed his car and was killed, or whether a virus is deadlier than bacteria, or whether people in war died more often of disease or gunshots, or which is the deadliest animal in Africa, etc. would be so much work!
How did you start tackling the research for this project?
My success with publishing Star Wars was to put the various projects into the right hands, which included a team of people who could provide the writers with the research and background they needed. After a year of death research that didn't even dent the surface of what George Lucas was interested in, Tom Grace left the project. By then I knew the book had to hinge on a consistent framework so the numbers being compared were apples to apples and not just random facts that didn't relate to each other. Tom had uncovered the databases maintained by the World Health Organization (WHO) and we had broken down all deaths into interesting groupings. Similarly, the U.S. mortality statistics reported by the Center for Disease Control (CDC) were synced up to the numbers reported by the WHO. What had become clear was that one couldn't count on online newspapers, bloggers or others to always have their facts straight. We needed to get the bulk of our data from more reliable sources -- i.e. via viable governmental agencies that have massive teams of people to report and track statistics.
With the help of another writer/researcher Jane Ellen Stevens, official sources for stats beyond the WHO and CDC were revealed from the United Nations to the National Highway Traffic Safety Administration to Medline (part of the National Library of Medicine which helped enormously in turning medical terminology into "English" ) to the Bureau of Labor Statistics etc. With a framework of related death numbers reported by both the WHO and the CDC, now research needed to be done via hundreds of databases that would uncover answers to the questions George was asking. By 2004, completely hooked on the subject, and realizing I needed to know the data as well as any contributing researcher in order to edit the final book, I decided the only way to get the project done was to do the bulk of the remaining research myself and hire word-smiths who could then turn the facts into fun.
How did the Internet help with your research?
Without the Internet there would be no book. Thank heavens for Google! And thank heavens for how much all governmental agencies worldwide were uploading and making information accessible between when the research first started in 2001 to when it became intense in 2004. This is one area our tax dollars are really put to good use. Once the numbers, for example, for all worldwide and U.S. accidental deaths were known, then one needed to drill down to find the cause (cell phone or speeding, ladder or hot water, etc.). But when it came to certain areas, it wasn't easy. Neither the CDC nor the WHO list deaths by whether they were caused by a water buffalo or a hippo (in fact most deaths in Africa, China and other countries are best guesses). Nor do they include information on whether someone died being hit or struck while playing baseball or football. So, to flesh out the chapters on Accidental death by Flora and Fauna, Nature and Sports, for example, required coming up with a list of everything to be included (i.e. for Flora and Fauna, a list of mammals, birds, reptiles, insects, marine animals, and flora A to Z) and then doing a Google search on each creature on the list to find out as much info as was out there on people killed by that particular agent.
What statistic or fact did you learn in writing this book that surprised you the most?
I probably spent the most research time on death by Flora and Fauna and Bugs. What surprised me in the Flora and Fauna section is that although death by shark attacks, mountain lions, bears, etc. are always front page news, we don't die very often from the creatures we share the planet with. In fact, it made me really sad to realize how many of these creatures man has managed to wipe out. In researching accidental deaths from motor vehicles, I was surprised by how many pedestrians are killed annually (I'm now very careful when I cross the street) and in researching death by Bugs (bacteria, viruses, fungi, parasites and prions), I never fully realized how truly nasty those little microscopic creatures really are (especially if one has a weakened immune system). So, I'm now very good about washing my hands.
Which section of the book is your favorite and why?
I like Accidental deaths by Flora and Fauna and Bugs the best because they were the hardest to figure out and the most interesting. While I was working on the book, people were always asking me if I found the subject really depressing. The answer is no. What was increasingly refreshing was the realization that almost all premature deaths are preventable if you follow general guidelines (wash your hands, exercise, watch what you eat, etc.). That led to a decision to rank the deaths in the book by whether they happen prematurely rather than when one takes all ages into account. What was also uplifting is how much we've improved our average life spans since my parent's generation with inventions like seat belts, bike helmets and improved medicines.
What's the weirdest way to die?
One of the weirdest (and saddest) ways to die is from Scleroderma which killed one of my favorite painters, Paul Klee, and also a very sweet fellow Lucasfilm staffer many years ago. It's very rare, (only one person died of it in the U.S. in each of 2004 and 2005). It's a form of arthritis that causes the skin all over your body to become progressively hardened.
What's the most common way to die?
The most common way to die is by self inflicting your body with too much of the wrong substances (tobacco, high cholesterol foods, high fructose corn syrup, alcohol, etc.) which raise the probability you'll die from some kind of cancer or organ failure.
Why do you think this book will be helpful to readers, as well as entertaining?
I think Robert Young Pelton's introduction sums it up pretty well. It is an active body and inquisitive mind that keeps us young. We are all going to die, but we can live life longer and more fully by doing simple things like wearing a seatbelt, skipping dessert and never smoking. I hope the reader, rather than brood about all the horrible things that can kill you (or has just killed someone you read about daily in magazines and newspapers), will be careful to avoid the bad things that are within their control and go out and have a good time.
Can you talk a little bit about how George Lucas Books was created and why?
In 1999, I had been running the Lucas Licensing Publishing Department for about 10 years when George Lucas first mentioned he was interested in books on subjects that had nothing to do with Star Wars. Even though packaging and licensing books on our own popular movie properties was very different from developing factual nonfiction, I believe in the saying "Where there's a will there's a way" and took on the challenge of turning George's interests into books. One of the books was to be on causes of death and other general film-related books were also planned. So with one author already on board to research and write the death book, I hired Jonathan Rinzler to help edit the new nonfiction. That same year, we made a five-book deal with Ballantine to publish the new imprint nonfiction titles. The plan was to develop these books together with our publishing partner while continuing with our regular licensed projects. Each nonfiction book would have one author to both do the research and write.
Starting with one or two Star Wars titles per year in the late 1980s, the Lucasfilm publishing program had been built up so by the early 2000's we were publishing between 100 and 200 mostly Star Wars books, magazines and comic titles per year. When it became clear the new nonfiction was going to take a lot more time than anticipated, I left Licensing in August 2003 to join JAK Films and manage the new imprint as a department of one. Over time I realized most authors who are good with words are not that good with numbers and the one author-one book approach wasn't producing the desired results. Eventually, the arrangement with Ballantine was dissolved as unworkable and JAK Films moved forward packaging and publishing each title individually. That resulted in the very fine team at Simon & Schuster becoming the Cause of Death book's publisher and contributing the really great book design.
Cause of Death: A Perfect Little Guide to What Kills Us by Lucy Autrey Wilson, Jack Mingo and Erin Barrett, a new book from George Lucas Books and Simon & Schuster is on shelves in bookstores nationwide.
Home Owners and Renters Insurance
Types Of Coverages Available
Additional property coverage
Some insurance policies also provide additional property damage coverage when a loss occurs as the result of a covered peril.
Covered items include:
1. reasonable temporary repairs
2. necessary to protect the property against further damage
3. reasonable cost of removing damaged property and debris
4. expenses of removing property and storing it for up to thirty days
5.reimbursement for fire department service charges
6. reimbursement of up to $500 for loss of credit cards, check forgeries or acceptance in good faith of counterfeit money.
Most renters’ insurance policies do not have a property damage component. Some renter's insurance policies, however, do provide for loss or damage to the premises caused by the renter.
Home Owners and Renters Insurance
What Does Property Damage Cover?
The property damage portion of a homeowner's policy covers loss or damage to the home and other structures on the property. In the event of a total loss, the amount paid depends upon the dwelling policy limit of the insurance contract as well as the type of coverage provided under the contract.
On some policies, other structures (such as detached garages, tool sheds, fences, guesthouses, and gazebos) are typically covered at the rate of 10% of the limit set for the dwelling itself. For example, an insurance contract that provides $100,000 coverage for a dwelling typically will provide up to $10,000 coverage for other structures. Trees, shrubbery and other landscape are typically covered for 5% of the dwelling limit.
Know your policy, talk to your insurance agent, they are your friend.
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