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Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Dec. 22, 2014

8 home insurance policy shockers




http://www.JewishWorldReview.com | You probably bought your home policy years ago, then stuffed it in a file somewhere. Will it be there for you when you need it? asks ShopSmart, the shopping magazine from the publisher of Consumer Reports.

Here's how to protect yourself:

1. You'll probably have to fight to get a big claim paid. Homeowners who suffer a loss of $30,000 or more get the most pushback from their insurers over damages, coverage and slow payouts, ShopSmart's recent survey data shows. But the coverage of huge losses is exactly why you buy home insurance.

Protect yourself. You can cut your odds of a fight by doing business with an insurer that pays its claims. The best carriers for claim-payment satisfaction are Amica, Auto-Owners and USAA, according to the most recent Consumer Reports National Research Center survey of 9,905 subscribers who filed homeowner's claims from 2010 through the first six months of 2013.

2. The first offer may not be your best offer. Consider your insurance adjuster's first offer just an opening gambit.

Protect yourself. If you have a dispute over damages, make the adjuster go over the estimate, line by line, with you and your contractor. Get a second opinion from an independent contractor or multiple estimates, if necessary.

3. Your trees can bankrupt you. Linda Paustian of La Porte, Indiana, discovered that after a violent thunderstorm dropped about 40 hard maple and red oak trees on her home and property in June 2010. State Farm paid $6,000 to remove the trees that struck Paustian's 1895 Arts and Crafts bungalow, but nothing of an additional $6,000 that was needed for tree and debris removal and stump grinding.

Protect yourself. Understand that a standard policy covers trees that fall on insured structures but generally not those that land in your yard.

4. Your bank might hold up your check. "Every check sent to us had to be forwarded to the mortgage company so they, in turn, could write another check to us so we could pay the contractor," says Thomas Sloan, who suffered $33,000 in damages when the remnants of Superstorm Sandy blew a neighbor's oak tree onto his West Virginia home in October 2012.

Protect yourself. If you have a mortgage, expect a settlement check made out to you and your mortgage company. Find out how to get it promptly endorsed and deposited to your or the lender's escrow account. 5. You may end up with a lot of damage from a little water.


James Peter told ShopSmart that his California home had $48,000 of damage thanks to a leaking valve in his refrigerator icemaker that wasn't discovered for months.

Protect yourself. Check for leaks in bathrooms, kitchens and basements, and on the roof. Periodically inspect behind appliances. Get add-on insurance coverage for sewer backups and flood insurance for water threats from outdoors.

6. You may need lots of cash to pay for repairs. Settlements aren't always paid quickly or in full, so you'll need cash flow.

Protect yourself. Keep credit card balances low or pay them off in full each month so you have ready credit after a big loss. Build an emergency savings fund.

7. Your trusty insurer may dump you. State Farm lived up to all of its promises to James Lipsett and his husband Paul LaRiviere on their $35,000 water damage claim on their Morro Bay, California, home. But less than a year later, the "good neighbor" people sent a notice of nonrenewal because of the claim. State Farm declined to comment.

Protect yourself. ShopSmart suggests shopping for the best insurer you can afford.

8. Your most valuable valuables may not be covered. If that diamond ring goes missing, you're out of luck with a standard home insurance policy. Same goes for expensive furs, silverware or artwork.

Protect yourself. You'll have to pay extra for a special endorsement or floater to cover the full value of pricey possessions.

Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.


Previously:


Store more for less
Gas-saving tips and myths
Run your home from your phone
Getting more from your store
A user's guide to user reviews
6 ways to shop smarter
Gadgets make healthy meal prep faster and easier
Secrets to dealing with devastating messes
Greatest money-saving sites
Your guide to the new insurance rules
Car mechanic fiction vs. fact
Extended warranties are an expensive gamble
Pick the best mattress
Find -- and fix -- the cause of your fatigue
Got joint pain? How to get relief
Four healthy foods you can overdo
How to hear a whole lot better
Interior paints
Want happy feet? Here's how
Don't let these ad traps catch you
Secrets to a better night's sleep
Where to find last-minute vacation deals
Costly fees you should never pay
Should you repair or replace that broken product?
Why prepaid legal services may not be a bargain
Secret scores you need to know about
5 reasons patient portals can lead to better health
7 ways to save money on a gym membership
Food fake out
Four healthy foods you can overdo
Fat facts and fat fiction
Surprising ways to cut your drug costs
Get organized for under $5
7 money stumbles to avoid
How to make great choices in technical gadgets
Cancer screenings you should avoid
In tests of interior paints, newcomer outperforms big names
Unscrambling the latest egg advice
How to buy a coffee maker
Save big on eyewear
Car owners prefer independent shops
How to hear a whole lot better
Bargaining can reap big bucks
Surprising ways to cut your drug costs
Should you report that fender bender?
Great new sites for saving big
Better joints without surgery
6 surprising hazards in your home
Protect your good name online
Great car care gifts
How low car payments can hurt you
High-fiber cereals can satisfy your taste buds
What you need to know about prepaid cards
The only 2 rewards cards you really need
Can good bacteria fight a growing medical threat?
11 things every home should have
Dump your big bank and save
Beauty products you're probably using the wrong way

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