Joes Map

Five days after Hurricane Gustav made landfall the estimated damages are up to 10 billion dollars. This is a lot lower than originally expected because as the hurricane moved over land it fortunately went from a category 4 to a category 1 storm. Many people were worried that this storm was going to be as bad as Hurricane Katrina which did 41 billion dollars in damages. Unfortunately, this is only good news comparatively as insurance rates for coastal cities will continue to rise due to Hurricane season just starting.

People from effected areas will have to be evacuated as storms get stronger and will continue to have to determine what kind of damage has effected their homes. When Katrina was over and residents returned to their homes the debate became whether wind, flood or rain damage was to be paid by the insurance companies. Home-owner’s insurance covers the wind and rain damage, while the flood damage is paid by flood-insurance policies. To learn more on the rising insurance rates and what they mean to you visit USA Today’s site. So, to all the residents of coastal cities this hurricane season: Good Luck! You are going to need it.

In my last post I talked a little bit about the DUI laws in Southern California. The law firm that I directed everyone to handles other criminal cases as well. These guys are some of the best defense lawyers in the country. They bring over fifty years of Southern California courtroom experience with them when they take your case. Whether you are a juvenile or an adult, whether you’ve been brought up on theft or murder, they can help determine what actions you should take. For anyone that has a criminal case pending in So Cal, these Los Angeles Criminal Defense Lawyers | Southern California Criminal Attorneys are the people you need to talk to.

For any one that has recently received a DUI charge in southern California, this site Los Angeles DUI Lawyers | Drunk Driving Defense Attorneys in California has detailed information on the DUI laws there. They have a defense team that will aggressively defend you on your DUI charges. There defense team is made up of former prosecutors that know all the tricks of the trade. Kestenbaum Eisner & Gorin LLP has been recognized as one of the country’s top 5% law firm year after year. They are a great team to have on your side.

Getting that motorcycle you want can sometimes seem impossible, But heres a few thing that might help. Well if the lady of the house is the reason try running this logic by her. One most bikes get about 45-60 miles per gallon, Two insurance is cheaper, and most insurance companies give multiple vehicle discounts. Three you can both ride on a two seater bike and enjoy a beautiful day out riding, and not cost you a arm and a leg. Well i hope this works for who ever finds it. Good luck

This is something that I make all of my clients do, and everyone should do it at least once a year. Look into your insurance. Are you paying for insurance that you really don’t need? I was paying for earthquake insurance for years, and I love far away form any major fault lines.

Is your insurance enough? Believe it, you can save a lot of money by having more insurance too. If you have a lot of jewelry, or guns, or a home office, make sure that those things are covered by your current policy. I have heard weeping horror stories about entire collections that were destroyed by a fire, and the people who lost it all thought that everything in their home was covered, but their policy did not cover more than $1,000 for jewelry, and their collection would of cost for than $10,000 to replace.

Be sure to find out what your policy covers, is it replacement value, or current value? This could cost you in several ways, it is good to know before you need to replace computers for your business that you will be able to replace them if something happens.

Another thing to keep an eye out for is coverage for your land, home or business itself. Many people are surprised to find that their policy only covers 80% of the value of the home, this is common, it protects your mortgage holder, but it doesn’t do much for you if have $50,000 in equity, yet your insurance will not pay you a dime of that.

Most of my clients end up adding some coverage to their policies, and it costs very little, but it’s the only way to get the peace of mind that they thought they should already have.