Olympia Steel Buildings Offers Innovative Ways to Cut Energy Costs

Mc Kees Rocks, PA (Vocus) August 19, 2010

Olympia Steel Buildings has announced a new energy efficient choice for its pre-engineered commercial, industrial, agricultural and residential steel buildings. Now when you choose a color option for your pre-engineered steel building, a new energy-efficient silicone-polyester color coating, Ceram-A-Star

Bargain Network Presents Top 5 Ways to Save Money on Home Improvement Projects

Goleta, CA (PRWEB) April 24, 2008

Any home improvement project presents some challenges; a common one is the budget — specifically, balancing the remodeling budget without compromising the results. Information and good planning are key elements to make the most of your money, says Bargain Network Home, a home buying and listing service that helps members find the houses and condominiums they want at bargain prices.

Bargain Network advises consumers to measure the feasibility of home improvement projects before undertaking them. Being realistic about what can be done and how much money it will require are the first steps to take before buying any paint or making phone calls to contractors. Along with these two steps, Bargain Network offers some helpful tips on how to renovate the home without breaking the bank:

1. Plan everything. Set priorities, and decide what you need to do and how you plan on doing it. Ask yourself what’s critical and what can be added to your wish list. The budget and the structure of the house should be the main variables to consider when deciding the changes. If you need to hire a contractor, ask for at least three detailed estimates; study them to see what the differences are and how you can work out a better deal by combining some ideas from all three. Once you have decided what to do, stick to your plan. Alterations often entail additional charges.

2. Shop around. To save money, you have to know what things costs. Doing research is the only way to know it firsthand, so make trips to different home improvement stores, and don’t forget to explore online. Be on the lookout for materials that are on sale, such as tile or wood flooring, due to overstocking or other reasons.

3. Measure the scale of the improvements. Altering a roofline or moving load-bearing walls are big projects that require an even bigger budget. Determine whether major structural changes are absolutely necessary or if you can work within the existing exterior walls and roof. Reduce the cost of plumbing labor and materials on bathrooms and kitchens with layouts that allow them to share major vents, drains and supply pipes. Figure out the best way to cut costs on the little things, and consult interior design sites to find out about easy and inexpensive ways to change the look of the house (new paint, different lighting, etc.).

4. Get the right financing. Do the math to figure out the best option, so you don’t end up paying more money in interest down the road. Mortgage refinancing or home equity loans are valid –and usually inexpensive– ways to get the money for improvements, but both present different interest and tax implications that have to be considered. When doing the math, factor in your plan after remodeling. If your goal is to sell, stretch the value of your future dollars by choosing improvements that offer a strong return on your investment.

5. Do it yourself? Be realistic about what you can really do well and what you think you can do. Labor can account for half or more of a major project’s cost, so you can save money if you can actually do it yourself, but if it’s not going to be a job well done, the cost could be even larger. Remember that your time has a value too, so weigh all of these factors before making a final decision.

In addition to finding helpful ways to save money on home improvements, members visit Bargain.com to access great deals on homes. For the best price information, real estate property listings and reports, and help with applying for loans, think Bargain Network.

About Bargain Network

Bargain Network is a unique membership service that provides consumers with best price information on significant purchases such as homes, vehicles and consumer products. Because Bargain is a membership service, it does not accept any advertising, or compensation from merchants, so consumers are guaranteed unbiased, impartial and complete pricing information. After a free trial membership members pay a low monthly fee to enjoy the benefits of Bargain Network. To learn more about Bargain Network, go to BargainNetwork.com.

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In Honor of Earth Day, 1001BestWays.com Presents Its Annual List of Readers Best Ways To Save The Planet.

Los Angeles, CA (Vocus/PRWEB) April 19, 2011

1001BestWays.com, where people go to share their best ways of handling life’s biggest challenges, announces its annual Earth Day Guide to the Best Ways To Save The Planet, presented unedited from actual user submissions.

Ten Best Ways To Save The Planet

1. A Tiny Roof Garden

“It isn’t much, but I have about 10 square feet of flat roof space outside of my apartment. I decided to plant some “food” plants–tomatoes, peppers, tomatillos, cucumbers, lettuce and onions. It is such a success that I bought some mason jars and canned 10 quarts of tomatoes, 23 pints of dill pickles and was able to freeze a LOT of green and red peppers…helping my budget AND the environment by avoiding transportation of veggies. “

2. Be The Designated Recycler At Parties.

“I offer to take the recycling home with me when I attend parties at the homes of friends and family. I already am dropping off the recycling from my own household in the near future, so it doesn’t add much extra effort for me, and the number of bottles, cans, and paper from a large party really add up. “

3. Capture And Re-Use Cold Water.

“I wash my hair daily in our laundry tub and need to first run the water until it gets warm. To conserve water, I capture the running cold water into an empty gallon water jug until the water heats up. I reuse the saved water later in my toilet tank by pouring the water into the toilet tank immediately after flushing the toilet, to refill the tank with my saved or recycled water. I reuse about 20-30 gallons of water per month. “

4. No-Trash Kids’ Lunches.

“I pack my kids’ lunches for school so that they don’t have any trash to throw away. I use reusable plastic containers, real silverware, reusable drink containers and cloth napkins. I plan to cut each cloth napkin into 4 pieces (to make 4 napkins) because those things are ridiculously big for a little kid’s face! “

5. Buy Used Stuff.

“I shop for used items whenever possible. This helps avoid unnecessary manufacturing and wasteful packaging, and keeps items that aren’t worn out from entering the landfills. Oh, and it saves money, too! “

6. Change Your Light Bulbs.

“The most recent thing I did is change out every light bulb in the new apartment that I moved into. I bought 2 cases of energy efficient bulbs and replaced everything, from bathroom, to kitchen, to outdoors. My lamps already had them, so I was ok there. In my old place I noticed a small savings every month on the electric bill. In my new one, I hope to expect the same.

7. Teach Your Kids.

“My husband and I recycle as much as possible. It’s been fun watching our 4 year old want to put the “trash” in the recycle bin. I guess we are making a good impression! “

8. Composting Is Fun.

“To save the planet my family and I have a composting bin in our backyards that we use to recycle all of our organic wastes. We then use the compost to fertilize trees and plants that we plant around the city. Its a lot of fun, and it saves the world a bit! “

9. Compost Coffee Grounds.

“I am a barista, we have a large volume of coffee grinds being produced everyday, this is also the case at my office job. I got in touch with several people who compost and have started a system of distribution to dispose of organic garbage such as the coffee grinds in an environmentally friendly way. since the volume is large it is useful to have a group of people so that we can distribute them amoung us. “

10. Make It A Game.

“In our home we play a “game” where we see how many things we can get done during the day without using power sources. We try to limit the amount of electric power we consume and by doing this cut down on our electric bill, as well as reduce our electric imprint. “

Every hour, on the hour, 24 hours a day, 1001BestWays.com presents a new Best Way to do something important like raise children, save money, improve your relationship, advance your career, improve your health, and even grow plants.

Every 42 days, 1001BestWays.com collects all of the Best Ways and publishes them in book form at Amazon.com, BarnesandNoble.com, and Kindle. Volume 2 is schedule for release in May 2011.

Amazon.com Reviews for 1001 Best Ways, Volume 1:

5.0 out of 5 stars

100 would have been enough, but WOW 1001 best ways?? good going!, April 6, 2011

By Health Nut “in Shape”

I found 1001 Best Ways when I was looking for gardening advise but I really didn’t want a regular book because I have a lot of those. Some of it was pretty much what you’d expect about not overwatering, but I just loved the idea about using eggshells and bananas and coffee grounds as fertlizer because I’m trying to teach my kids to be more environmental.

So every morning now, after breakfast, we make a point of composting and that’s so much fun for them. It’s still pretty early in the growing season, but our plants do look better at least to me.

We also picked up some Earth DAy ideas in the Save The planet section that my son is going to use in his gradeschool project., so that ‘s a good thing.

5.0 out of 5 stars Great Book , written by real people, April 6, 2011

By Electro Nut

I read an article about 1001 Best Ways online a few months ago and just fell in love with the idea of it. If you haven’t been, it’s a website where readers submit their best ways of doing things. I’ve submitted 4 articles now and — I admit it — bought the book to see if any of them had made it! And, sure enough, one of mine is on page 64. But once I finished my little happy dance, I really started to read what the other 1000 people had submitted. And most of them were really good.

I really liked the chapter on cooking because it’s so easy to get set in your ways and do the same things every week, every month. I also liked the chapter on pets because I recently lost a dog that had been part of my family forever.

As I was reading it, I kept thinking “Oh, this would be perfect for Renee” and “This completely reminds me of Amanda” and “My mother needs to read this”. I know what they’re getting for their birthdays! It really is a little something for everyone and a lot for me.

It’s not perfect — some of the articles are pretty obvious, but it’s what real people write, complete with typos and bad grammar, so you have to cut them some slack. Can’t wait for the next one.

5.0 out of 5 stars

Highly recommended., April 18, 2011

By Sara

So I was looking for Earth Day books to plan activities for my kids and a friend recommended 1001 Best Ways. And, sure enough, in the Best Ways to Save The Planet chapter, there are some really solid ideas. But I also really liked the Best Ways to Save Money and have been talking those over with my kids, too. And the Best Ways to Clean Chapter. It’s all advice based on someone’s actual life, so it’s pretty valid and since it’s someone else telling them and not me, I find that my kids are more likely to listen because God knows they never listen to a word I say! We read the Best Ways objectively and discuss them. “What do you think about X?” I’ll say and then they’ll come up with their own spin on it. It’s really a good conversation starter and gets them to tell me things like, “Well, in school we learned this” or “My friend Allyson said that” without me having to pry it out of them. Highly recommended.

5.0 out of 5 stars

I am completely hooked on it., April 18, 2011

By P. Sam “KnowItAll” (Da Bomb)

(REAL NAME) Amazon Verified Purchase

My Aunt bought me 1001 Best Ways when I was accepted into college. Admittedly, I started reading it last week to procrastinate on my homework, but I got completely hooked on it. There’s no beginning or end really, so I started on the relationship and romance sections which got me thinking about my bf who’s on the football team so I read the sports section. Then I read the education section and that led me to the job section and before you know it, I’m thinking I really need to get back to my homework because I don’t want to be the person stuck in a dead-end job because I didn’t focus on my homework because I was too obsessed with whether or not a dumb jock was sufficiently romantic on our last date. It’s all very real people doing real things and that’s why it really got to me. Thank you, Auntie, it really was the best present I got!

5.0 out of 5 stars

1001 Best Ways is a really interesting idea that combines a lot of current Internet trends into one neat and tidy package., April 6, 2011

By S. Rosen “Sweet Tooth”

This review is from: 1001 Best Ways, Volume 1 (Paperback)

1. It’s Crowd Sourced. See Wisdom of Crowds for a full explanation, but basically it’s the idea that a group of people acting independently can come up with better results than an individual working alone. There are a lot of great examples of this like Who Wants To Be A Millionaire and simple guessing games.

2. It’s Social Media. If you follow the 1001 Best Ways Twitter feed, you can actually get the entire book, free, 1 tweet per hour. It’s also on Facebook and other social media sites and on 1001bestways.com.

The question then is: is it interesting to you and is it well-written? OK, that’s actually two questions. But if you’re interested in any of the following topics that 1001 Best Ways covers, then, yes, it is interesting:

01. Best Ways To Save Money

02. Best Ways To Raise Kids

03. Best Ways To Maintain Relationship

04. Best Ways To Travel

05. Best Ways To Save The Planet

06. Best Ways To Advance Your Career

07. Best Ways To Cook

08. Best Ways To Clean

09. Best Ways To Improve Your Health

10. Best Ways To Improve Your Education

11. Best Ways To Connect With The Divine

12. Best Ways To Accept Your Mortality

13. Best Ways To Celebrate The Holidays

14. Best Ways To Be Romantic

15. Best Ways To Be Creative

16. Best Ways To Be Beautiful

17. Best Ways To Raise Pets

18. Best Ways To Raise Plants

19. Best Ways To Be Happy

20. Best Ways To Cope With Family

21. Best Ways To Coach

22. Best Ways To Master Computers

23. Best Life Lessons

24. Best Ways To Have Fun

It’s a pretty comprehensive list as you can see. So, on to the issue of quality. When 1001 Best Ways is good, it’s very good but some of the articles are weak. This is to be expected, I suppose, since it’s crowd-sourced. You take the good with the bad and the end result is surprisingly compelling.

In addition, since 1001 Best Ways is curated but not really edited, all of the original typos, misspellings, poor grammar, capitalization errors, etc., are included. You feel like you’re reading the work of 1001 different people because the range of styles, voices, etc. is so wide.

5.0 out of 5 stars

This Book Sucked me in, Great Stuff, April 6, 2011

By Geeky Geek

My wife gave me 1001 Best Ways last week and kept nagging me to read it. So, in order to ensure domestic peace, I gave in.

I gotta admit that it sucked me in good.

It’s a collection of 1001 little articles that readers submited to a website about 24 different topics like relationships, money, kids, sports, cleaning, etc., etc., etc. So you read one and then another and before you know it you’ve finished a chapter and started another.

And it’s just people, you know, just telling you what matters. And their business is pretty much like yours or people you know. We’ve all got problems and we’ve all got ways of dealing with problems and when you string it all together its really compelling.

And the whole time I’m reading it, I’m like “I can do better than that” and “That’s not how you do that” and next thing you know I’m on the site giving them MY ways to do stuff.

Like I said, I got sucked in. And I promised my blushing bride, the love of my life, that if I liked it, I’d write a review. (If I didn’t, she had to wash my car.) So, here you have it. Buy the book. Read the book. Give the book.

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More Flat Roof Press Releases

Minneapolis Insulation and Window Replacement Specialists Outline Ways to Save on Heating and Cooling Expenses

Minneapolis, MN (PRWEB) November 10, 2011

Advanced Exteriors, a roofing, siding, insulation and window replacement Minneapolis expert is concerned about the homes in the greater Minneapolis-St. Paul area. More than half of the homes are improperly insulated. This puts many homes at risk of having up to 40% of their energy being emitted through windows, doors and attic space. Fully aware of such issues, Advanced Exteriors is raising awareness to better assist those living in the area.

Properly insulating residential home will help reduce heating and cooling expenses and will make homes more comfortable to live in. Those homes with under insulated attic spaces and improperly sealed bypasses experience a natural heat flow from warmer to cooler spaces. This is especially a problem during the winter, when heat flows directly from living room and bedroom areas to unheated attics, garages, basements, and the outdoors.

Advanced Exteriors’ philosophy is rooted in their belief in maximizing the comfort of homeowners. ?Attic Insulation is an intricate task which has to be done by specially trained and equipped Minneapolis contractors. Many times insulation is not the only solution to homeowners? nuisances, as a number homeowners require their windows to be replaced to ensure maximum comfort?, says Chad Markus, President of Advanced Exteriors. ?Replacing the siding and installing a properly sealed weather resistant barrier and foam insulation can help reduce energy costs and increase comfort as well.?

The company?s Minneapolis insulation specialists also call attention to customers who have ice dams on their roofs. Professionals at Advanced Exteriors are skilled at removing ice dams and more importantly finding solutions to solving the problems that created the ice dam. Typically there is an underlying problem causing the ice dam such as improper ventilation. The experts at Advanced Exteriors provide the best technology available to safely remove ice dams without causing damage to the roof.

Having properly installed windows with high efficiency glass packages is critical to creating energy saving. Windows let light in and air out. This means that the poorer the quality of window, the higher the heating bills are in the winter and the cooling bills are in the summer. To eliminate such problems, Advanced Exteriors a window replacement specialist offers a wide range of high-quality replacement windows to reduce energy bills and to improve the resale value and comfort of the home.

About Advanced Exteriors:

Since opening their doors in Crystal in 1992, Advanced Exteriors has been improving the quality of homes in the Minneapolis-St. Paul area. Advanced Exteriors is a recommended Minneapolis insulation, siding, window replacement and roofing contractor with all major homeowner insurance companies. The Better Business Bureau gives the company an A+ rating. Angie’s List additionally recognizes them as an exceptional contractor with first-rate services.

Do not hesitate to contact Advanced Exteriors if you have any questions, concerns or would like to set up a free consultation. Visit their website at http://www.advancedexteriorsmn.com to find out more information.

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Home Sellers Find New Ways to Get the Most Value for Their Home

Tampa, FL (PRWEB) March 13, 2006

Nancy Johnson is a single woman who teaches kindergarten. She had inherited her grandmother’s home back in 1995 and was looking for ways to get the most value out of the home.

Nancy said, “its a small two-bedroom bungalow that lies in a suburb that borders a large city; the home essentially sits on a small city lot. I’ve lived here for a few years, but I would like to sell so I can move further into the suburbs to be closer to my work, but I only have a couple thousand dollars to fix it up for the sale.”

The question Nancy and many others in her position ask is: Where and how should I begin?

Most experts agree that as long your roof and foundation are sound, you are in very good shape to sell, but there are steps to take to insure that you get your asking price.

William Anderson, a home consultant, reminds sellers that there are simple ways to increase a home’s value without spending a lot of money.

“The first step begins with cleaning—inside and out. Clear your front and back yard of any debris. Clear out your garage of any excess clutter. If you cannot part with garage and household items, than consider an inexpensive storage unit off the premises,” he said.

“Next, scour the inside of the house—walls, floors, sinks, tubs, doors, etc…If you have a pet, consider ripping out the carpeting; it holds odors and a bare floor can easily be made attractive with decorative accents. Do not neglect basement or attic if your home has these attributes. Once you have cleaned from top to bottom, the real fun begins,” he continued.

He noted that curb appeal, or the measure of what the prospective buyer sees first, is most important when fixing up your place to sell.

“Start outside because this is what prospective buyers will see first. If it’s a brick bungalow, than you’ve just saved a considerable expense on outside paint. If it requires a new coat of paint, than so be it,” he said.

He suggested that you choose a neutral color to the house. Even if you are more partial to lively colors, you don’t want to turn off a buyer in case they are more conservative or what a home with a traditional look. Keep it simple is always good advice.

He also noted that simple additions such as window boxes of whatever you are able to care for—green foliage plants or colorful perennials would suit. He added, “If your porch is a bit crumbly, patch it up and also give it a coat of paint. Fresh paint is the elixir of house sales. You may paint the railing as well, but spending a bit of your savings on a new one is a good option.”

Other touches he suggested would make your home stand out may be to add a brass house number and an outdoor brass lighting fixture—something hanging is more dramatic, but a sconce style works too. If brass is not to your taste, consider wrought iron. A single stone planter for the porch is another welcoming touch.

“But nothing cutesy like a plastic bunny sporting a wilting fern,” he said, “Be sophisticated and simple—even if this is not to your liking. You want to give your buyers a clean slate so they can imagine their own belongings there. Don’t forget, to keep steps and walkways clear.”

While you are out front, you have plenty to consider on the landscaping front. Be sure the plants on your property are healthy. Pruning large trees is more affordable than having them removed if they are indeed unattractive. Get rid of messy shrubbery that hides the view of your home. If the planting area in front of the house is messy, clear it and purchase some simple wooden trellises to prop against the wall. Climbing tea roses, English ivy or any other climbing plant or vine will add a delightful touch.

He continued, “A well maintained lawn instantly attracts a buyer to your house. If you have dead spots, patch them. If the edging needs to be done, do it. If you can afford a sod lawn, this might be a good place to spend some money. An alternative to the lawn would be an easy-to-maintain ground cover like creeping phlox. When it is not in bloom, it appears as tufts of luxuriant grass.”

When decorating the inside, don’t be afraid to shop at flea markets and bargain retail stores. Arrange your furniture so that rooms appear airy and uncrowded. Consider a plain hanging light fixture for the front hall and dining area. You may want to sand and refinish your wood floors; this is labor intensive, but something you could do yourself for results dramatic results. Paint your walls an antique or off white and keep pictures to a minimum. Consider adding the following accents:

Area rugs, new plumbing fixtures, new door handles, decorative fireplace screen, ceiling hooks and hanging plants for windows, painted cabinets (if they need it!), grout your bathtub and replace grimy tile and add fresh draperies or shades. Optional ideas to incorporate—if you can afford them would be to: lay a small backyard patio, new awnings, fresh mulch for flowerbeds and to ring trees, new shrubs, new bathroom vanity and toilet, newly paved walkways and drive, painted garage, new kitchen floor, new mailbox, etc…

By taking many of these measures, sellers should be able to keep their asking price firm and possibly bump up the price. No need to do anything too major like add built in bookshelves or window seats—buyers may not need or want these more permanent features. Try to fix up what is already there. to save money. Clean and uncluttered is the look you want for a successful sale.

For more tips on selling your house, here are some online resources:

More tips on curb appeal

-Remodeling ideas

-Do it yourself tips

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May is Building Safety Month: IBHS Offers Affordable Ways to Make Your Home Safer when Disasters Strike

Tampa, FL (PRWEB) May 11, 2011

President Obama has formally declared that May is “Building Safety Month” and the Insurance Institute for Business & Home Safety (IBHS) takes this opportunity to remind all Americans that reducing the risk of damage from a variety of natural disasters can be fairly easy, effective and affordable.

Recent natural disasters, such as the historic tornadoes that ripped through Alabama, catastrophic flooding along the Mississippi River, fierce wildfires that recently burned from border to border in Texas, and the devastating earthquake and tsunami in Japan serve as reminders that Mother Nature is as powerful and deadly as she is unpredictable.

Last year, the U.S. experienced a record number of natural disasters, with 247 events, including a record $ 2.6 billion in winter storm losses and $ 9.5 billion in thunderstorm losses. With the 2011 Atlantic hurricane season just weeks away, now is the time for residents to take action to reduce the risk of damage to their property and protect their families.

“One of the biggest roadblocks to incorporating disaster resilience into remodeling or new home construction is the mistaken belief that it is always expensive,” said Julie Rochman, IBHS president and CEO. “However, post-catastrophe field research over many decades, as well as recent testing conducted at the multi-hazard IBHS Research Center prove that there are many effective ways to reduce property damage from natural disasters that can be affordable and, in some cases, free.”

High wind testing at the IBHS lab conducted last October demonstrated the critical role inexpensive metal straps play in keeping a home’s roof attached and the entire structure intact. The cost of the strapping for the entire two-story, 1,300 sq.ft. structure was less than $ 100. Also, wildfire ember storm testing conducted at the IBHS lab in March demonstrated that simple things like cleaning gutters, removing debris from the roof, and keeping dry vegetation away from walls can greatly reduce the chances of home ignition. Another example of low-cost, but crucial loss reduction steps can be found in IBHS’ newest guide, “Reduce Six Common Earthquake Risks for Less Than $ 70,” which offers ways to reduce earthquake damage using hardware purchased at a local hardware store or home improvement center for less than $ 70. The guide provides a list of items necessary to complete each project.

“Our research shows that it frequently does not cost a lot of money to better prepare a home to withstand natural risks,” Rochman said. “Property owners must take the time and make the effort to increase the resiliency of their home, and doing that during May is a great way to participate in National Building Safety Month.”

To arrange an interview with IBHS representatives, contact Joseph King at 813-675-1045/813-442-2845, jking(at)ibhs(dot)org or via direct message on Twitter @jsalking.

About IBHS

IBHS is an independent, nonprofit, scientific and educational organization supported by the property insurance industry. The organization works to reduce the social and economic effects of natural disasters and other risks to residential and commercial property by conducting research and advocating improved construction, maintenance and preparation practices.

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Top Seven Ways Insurance Companies Try to Avert Paying All or Part of Consumer Claims

Orlando, FL (PRWEB) January 20, 2006

It has been three months since Hurricane Wilma paralyzed South Florida and left many residents frustrated. But, now, the electricity is restored, the tree limbs are removed and there is a sense of normalcy, until the affected have to deal with folks that are insuring their homes or businesses.

All Floridians want is for their insurance companies to assess the hurricane damage and reimburse them for the full amount claims. All insurance companies want to do is avert paying the full amount Floridians are entitled to, outlined in their insurance contracts.

Ask yourself, how is it that US property and casualty insurers earnings rose 4.4 percent during the first 9 months of 2005, according to the Insurance Services Offices (ISO)? Why are the largest property-casualty insurance companies facing huge penalties for fraud, and thousands of lawsuits for underpayment of claims?

Insurance companies are for-profit corporations. It benefits their profitability to pay the least amount of money. After spending many years working with victims of natural disasters, our firm knows the games insurance companies played to reduce consumer claims and the amounts they pay. Here are the top seven ways they do it:

1. Multiple Deductibles for a Single Claim: Our firm has seen cases in which insurance companies applied multiple deductibles for a single claim. This practice is unlawful. Some insurance companies assert, “The damage does not exceed the deductible,” when, in fact, this position is almost always proved wrong once our law firm conducts an investigation.

2. Blanket Depreciation of Replacement Costs: Some insurance companies may “blanket depreciate” the replacement costs, based on the age of the house, roof or property ruined. The insurance company may, for example, depreciate not only the cost of paint but also the cost of labor. Depreciating material cost is acceptable. Depreciating labor cost is not. The consumer ends up paying the difference out of his or her own pocket.