Category Archives: Duck Dynasty

Insurance Nightmares: Of Interest To All Homeowners

      2 Comments on Insurance Nightmares: Of Interest To All Homeowners
Feel free to send my web link to everyone you know. This story should go viral.

It’s hard to make long stories short, but I’ll try.

When my wife and I were out of state a number of years ago, a squirrel got into the house and did thousands of dollars worth of damage, chewing up the sofa, all the drapes, the carpets. I called State Farm and asked if I was covered. They said “no.” If an elk or a bear had gotten in your house you’d be covered because those are wild animals.

“Aren’t squirrels wild animals?”

“Nope, they’re rodents and there’s an exclusion in all home insurance policies for rodents.”

“What if a rabbit had gotten into the house?” I asked.

“They’re rodents and they’re excluded.” Wow, I thought I had them there because I knew that rabbits and hares aren’t rodents, they’re lagamorphs. Look it up. One way or another, I’m sure the insurance company would find a way to do its customary screw job.

I started studying the exclusions and discovered another few I didn’t know. (Yes, sometimes I’m deadly stupid). But flood damage is another tricky one. If a raindrop touches the ground before it enters your house it’s considered a flood and insurance companies have tricky ways to exclude flood damage. That also means if the corroded water line to your house breaks, the water hits the ground first, so you’re not covered. If the raindrop hits your house before coming inside, then the coverage is good.

BTW, so called Smart Meters are being installed in millions of homes across the country. They’ve exploded or melted, caused thousands of house fires in the U.S. and Canada and…you might have guessed it… Smart Meters aren’t UL listed, therefore insurance policies automatically exclude any fire damage that comes from a non-UL listed device. Smart meters have also blown out entire kitchens full of appliances. Again, no coverage.

While we’re speaking of damage and insurance companies, let me refer you to another interesting story that broke last week. I won’t try to prejudice you with my thoughts…. I’ll just send you to the link.

(insurance issues in Hurricane Sandy)

 

HOA Battle in Britain

      No Comments on HOA Battle in Britain

I thought Brits were supposed to be more polite than Americans. At least the Brits think they are. But Homeowner Associations are endemic around the world. And nasty neighbors can be found anywhere.

But here’s a great nomination for the Neighbors from Hell category from LA Times columnist Donie Vanitzian. It involves a neighborhood battle that’s been going on for forty years in a borough in Tyne and Wear in the northeast corner of England. 89 year old John Bushell has been jailed and fined multiple times over the years because of the unbelievable harassment of his neighbors. Bushell spends a lot of time perfecting his house and garden. But he thinks his neighbors don’t keep up their homes to his standards.

Bushell has diverted his gutters to flood his neighbors’ yards. He has painted the walls facing his neighbors black. He has threatened multiple times to shoot his neighbors and burn down their homes.

Forty years this has been going on! Crazy.

(link to Daily Mail column on the Bushell madness)

 

Another Crude One from Comcast

      No Comments on Another Crude One from Comcast

Being a customer of Comcast is mandated in Homeowners Associations across America. HOA boards and managers make backroom deals to allow only one company to service customers. Setting up a monopoly with utiltities supposedly saves money for homeowners. But money isn’t as big a problem as the quality of service.

Obviously, not all customers are satisfied with Comcast customer service. But for the second time in two weeks we hear of the ‘special’ way some customers are treated by the company’s billing department.

(link to story on mary super-b1tch bauer)

 

Orange County officials dealing with Blossom Park, Tymber Skan Residents living in unsafe condos

      5 Comments on Orange County officials dealing with Blossom Park, Tymber Skan Residents living in unsafe condos
guest blog by Deborah Goonan

I have blogged about the Blossom Park condo conversion recently. In recent weeks, Orange County Fire Department has stationed one of its trucks at the scene, and a structural engineer has examined the buildings, including the staircases and upper decks, deeming most of them unsafe. An official report is due this week, and in the WFTV report linked below; Orange County officials expect to order an official evacuation within days.

The County is now providing financial assistance to move the residents – mostly low-income tenants – to safe housing.

Court-appointed receiver, Frank Barber of Deer Run Realty & Management Company, insists that the problems are not that dire, and has reportedly urged residents to stay. He is relying on fees collected to pay for needed repairs, and — let’s not miss the obvious — to pay for services provided by his company.

Left unsaid in the many news reports: the taxpayers of Orange County are footing the bill to assist Blossom Park residents. And the bill must be substantial, as it includes increased police protection due to high crime and three recent murders in Blossom Park, stationing the Fire Department adjacent to the condo complex, assigning a structural engineer to inspect the condo buildings, and evacuating and then providing 30-days of free housing to hundreds of low-income residents.

Nearby Tymber Skan is another troubled condo complex, complete with squatters, criminals, dilapidated structures, and rats climbing the walls. Taxpayers have paid hundreds of thousands to cover unpaid water bills, police protection, demolition of buildings, and relocation of residents. This has been going on for several years, and its still not over.

So are HOAs really “no-impact” or “low-impact” tax revenue cash cows for local governments? Perhaps in the short term, but what about over the long term?

And are County officials now “heroes” stepping in to save the day? Hardly. Where have they been all these years, when these distressed condos have been left mainly to their own defenses, living conditions growing progressively worse? No one has been held accountable for allowing residents to live in squalor, for failure to manage the financial affairs of these failed Associations, for creating the conditions that allow violent crime and blight to flourish unchecked.

Better yet, how were these condo projects approved in the first place, with such shoddy construction, and why weren’t regular inspections done to ensure deficiencies were identified and repaired early on? It should have been clear to planning and development commissions that many of these developments and redevelopments were doomed to failure and premature obsolescence.

And what about the social impact to residents and surrounding neighborhoods, where people fear for their health and safety? Can we really put a price on the total costs? Decades of neglect by local governments – preferring to allow thousands of HOAs to attempt to govern themselves and manage their own affairs, while collecting property tax revenues from owners – has led to this chaos.

From deteriorating infrastructure to Bully Boards to neighborhoods divided over how their money is being spent, more and more of these stories are being reported and brought to the attention of the public. And what we see reported on the news is only a small percentage of the problems, because, in many HOAs, owners resist going public for fear of scaring away future buyers (or tenants) and reducing property values. In fact, the outspoken owner is often intimidated, harassed, or ostracized for daring to air the dirty laundry, so to speak. It’s a sick, twisted mindset that threatens the very foundation of the American Dream for millions of Americans.

(link to WFTV story on Blossom Park)

(link to Tymber Skan story)

Movies About Homeowners Associations

      6 Comments on Movies About Homeowners Associations

I know of at least four HOA movies in various stages of production. Movies are extraordinarily expensive to do, and to do right. One of the older ones that appears to have stalled had a wonderfully clever trailer….worth watching.

If anyone has an update on this production, please let me know.