[CarlsbadMtnBiker]

Just to add some clarification; Most fire (homeowners) policies are “all peril” type policies and insure for all potential causes of loss except what is specifically excluded.

A claim for building damages associated with “Non-permitted work” could not be denied on that basis alone as it is not a typical exclusion. Construction defect and/or faulty workmanship is a common exclusion found in most HO policies and often goes hand and hand with non permitted modifications / additions, etc. So from a pure insurability stand point, I would focus on construction defects and workmanship and not so much on the fact that there was no permit taken out.

[CarlsbadMtnBiker]

Just to add some clarification; Most fire (homeowners) policies are “all peril” type policies and insure for all potential causes of loss except what is specifically excluded.

A claim for building damages associated with “Non-permitted work” could not be denied on that basis alone as it is not a typical exclusion. Construction defect and/or faulty workmanship is a common exclusion found in most HO policies and often goes hand and hand with non permitted modifications / additions, etc. So from a pure insurability stand point, I would focus on construction defects and workmanship and not so much on the fact that there was no permit taken out.

[CarlsbadMtnBiker]

Just to add some clarification; Most fire (homeowners) policies are “all peril” type policies and insure for all potential causes of loss except what is specifically excluded.

A claim for building damages associated with “Non-permitted work” could not be denied on that basis alone as it is not a typical exclusion. Construction defect and/or faulty workmanship is a common exclusion found in most HO policies and often goes hand and hand with non permitted modifications / additions, etc. So from a pure insurability stand point, I would focus on construction defects and workmanship and not so much on the fact that there was no permit taken out.

[CarlsbadMtnBiker]

Just to add some clarification; Most fire (homeowners) policies are “all peril” type policies and insure for all potential causes of loss except what is specifically excluded.

A claim for building damages associated with “Non-permitted work” could not be denied on that basis alone as it is not a typical exclusion. Construction defect and/or faulty workmanship is a common exclusion found in most HO policies and often goes hand and hand with non permitted modifications / additions, etc. So from a pure insurability stand point, I would focus on construction defects and workmanship and not so much on the fact that there was no permit taken out.

[CarlsbadMtnBiker]

Just to add some clarification; Most fire (homeowners) policies are “all peril” type policies and insure for all potential causes of loss except what is specifically excluded.

A claim for building damages associated with “Non-permitted work” could not be denied on that basis alone as it is not a typical exclusion. Construction defect and/or faulty workmanship is a common exclusion found in most HO policies and often goes hand and hand with non permitted modifications / additions, etc. So from a pure insurability stand point, I would focus on construction defects and workmanship and not so much on the fact that there was no permit taken out.

[CarlsbadMtnBiker]

Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.

[CarlsbadMtnBiker]

Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.

[CarlsbadMtnBiker]

Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.

[CarlsbadMtnBiker]

Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.

[CarlsbadMtnBiker]

Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.

[CarlsbadMtnBiker]

I’m a Bill. 9 months mortgage/rent free. Going to ride this train as long as possible. I know of many others who stopped in the last 6 months. And also many who are about to stop paying into the Ponzi. Don’t be afraid to join us.

[CarlsbadMtnBiker]

I’m a Bill. 9 months mortgage/rent free. Going to ride this train as long as possible. I know of many others who stopped in the last 6 months. And also many who are about to stop paying into the Ponzi. Don’t be afraid to join us.

[CarlsbadMtnBiker]

I’m a Bill. 9 months mortgage/rent free. Going to ride this train as long as possible. I know of many others who stopped in the last 6 months. And also many who are about to stop paying into the Ponzi. Don’t be afraid to join us.

[CarlsbadMtnBiker]

I’m a Bill. 9 months mortgage/rent free. Going to ride this train as long as possible. I know of many others who stopped in the last 6 months. And also many who are about to stop paying into the Ponzi. Don’t be afraid to join us.

[CarlsbadMtnBiker]

I’m a Bill. 9 months mortgage/rent free. Going to ride this train as long as possible. I know of many others who stopped in the last 6 months. And also many who are about to stop paying into the Ponzi. Don’t be afraid to join us.

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