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Insurance Agent has Claims Nightmare
Posted by Gi Gi on 11/05/2009
I am an Insurance Agent for many years. I had my automobile and home insured with Travelers and being in the industry, my coverage was quite adequate. Approx. a year ago I was involved in a 4 car chain collision, I was in the middle car between two very large SUVs'. My car was totaled and I was taken by ambulance to the ER of the local hospital. I was diagnosed with a sprained lumbar and whiplash.. Given medication. I needed PT and to this date I am still in pain and discomfort, which is quite upsetting to me at times. From the beginning, the claim was handled horrifically. Since I am knowledgeable with coverage, more than the average layman being in the business, the first thing was I knew I was paying additional premium for Rental coverage ... since Travelers has an " agreement " with Enterprise Auto, I was first given an Economy Car to use. I inquired to them and was told this is the type car they are told by Travelers to give their clients for rental, I knew I was paying in premium for at least a Mid size car for rental and had to " insist on it with the first adjuster'' they finally did agree and I had the remaining time with my midsize car for use. So basically, our clients that we sell the policies to are paying extra for the better rental and if involved in an accident they are not given the proper car type unless the insured insist ...this was just the beginning... Most importantly, my PIP was totally mishandled... I was in PT, seeing my doctor for chronic back pain and on medication... and almost three times a week, this PIP adjuster would call me on my cell and question me regarding my condition... which is very unprofessional... to the point of being a nuisance. In the midst of my treatment and unbeknown to me, she decides to "close "the pip file since she claims ... I was feeling better... When my doctor, specialist and MRI and x-ray bills had been sent to Travelers, they were not going to pay, since the file had been " closed" ... I had $100,000 on medical and full tort coverage... and at this point all Travelers had paid was about $3,000 in med bills. ... After, phone calls to supervisors, management, faxes, letter, most of the bills are finally getting paid ... but Travelers refuses to allow me to continue to go to PT since they feel my injury should be healed by now...I wish they were right, but unfortunately, I am still suffering with pain and are taking meds to help me go through my day. This whole experience was and has been a nightmare for me... I just feel that they were doing all they could knowing I had excellent coverage and wanted to cut it off as soon as possible.
AS far as anything I agreed with on the handling of the claim was only how quick they settled and paying me for my car.... which was less than two weeks from the date of the accident. But in doing so, I was told I had to return the rental within 24 hrs... how could I ...I did not have a car to drive and since I was injured, was unable to go out and buy one.... once again, I called and explained I had rental for 30 days.... and needed this time to go out and purchase a car.. They did agree with this and gave me I believe a week more... but once again the average Joe would not have known this... I was very very disappointed with this whole handling of this claim... and would not recommend this company based on my experience with them.
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Posted by moneybags on 2009-11-05:
Contact the insurance commissioners office in your state
Posted by JR in Orlando on 2009-11-05:
You have a very valid complaint since you are the customer of Traveler's insurance company. I would suggest you contact an attorney, any of the personal injury attorneys, because lawsuits can be filed, at least in Florida, for failure to pay PIP coverage and other payments by an insurance company to its insured. Some attorneys specialize in that area.
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Denies a valid claims for completely useless reasons. Typical insurance scam.
Posted by LinuxHpc on 02/25/2008
SAINT CLAIR, MISSOURI -- We purchased our home on or around 06/2007, at which time travelers insurance accepted the liability of insuring our home, without notation of any waivers of liability or related material. We experienced a wonderful remaining summer without incident despite several storms that contained both hail and or high winds.
On or around 1/22/2008, we began to notice signs of water damage bleeding through the ceiling. We had recently had a bad rash of winter storms with high winds and or hail. I phoned our insurance company ( Travelers insurance ) and made a claim. A gentleman down the street also suffered damage during a storm, his insurance company paid up and he got a new roof. The insurance adjuster (For travelers) came out, and at first stated that she (Tonya) was going to write it up so they replace the whole roof, before she left, she painted a much darker picture.
Tonya claimed that the house had previous un-repaired damage. I was puzzled at this claim. Tonya went on to explain that since the gutters had hail damage, and the gutter guards did not, then surely the previous owner did not replace the roof. I find her analogy to be offensive and ridiculous. I never knew their was previous damage to the gutters, I wouldn't have replaced them either. Tonya went on further to claim that our roof was not properly vented, which again puzzled me because the roof has two vent holes in every soffit and every gable is also vented in the front. These venting methods appear to have been accepted when the roof was placed on the house, are still in use with most every house in our development, and were accepted when Travelers insured our home. Tonya also claimed that a valley seam was installed incorrectly, which was again false.
After doing my own research, I learned that no only was the valley seem correct, but the underpinnings of the valley seem exceeded code. Tonya ( The Travelers insurance claim adjuster ) went on to make several other claims, of which most make no sense. Even if there were any validity to any of them, they are negated by the facts, and that is that Travelers insurance accepted out home as it was, without complaint or waiver of liability. Further, Travelers has been accepting payments for almost 9 months without complaint, and continues to do so without proper claim coverage.
Home owners insurance is supposed to be something in place to help relieve stressful situations that can cause loss of life and home. In this case, Travelers has failed to pay a claim, which has lead to the extremely stressful situation of having to pay for the roof repair out of pocket.
Bottom line, run as fast as you can from Travelers. Don't believe me, check out other rip off related websites.
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Posted by madconsumer on 2008-02-26:
although i do understand your dilema, they are correct. a good adjuster can tell old damage from new. this just sounds like basic home ownership maitenance.
Posted by moneybags on 2008-02-26:
Did you have a HOME INSPECTION done prior to buying? It should tell the condition of the roof and venting systems. Did the Sellers Disclosure tell you about any prior roof damage, repairs, etc? Ask your Realtor for help. There should be pictures in MLS that he can provide.
Have the repair made to the leaking area. YOU MUST MITGATE DAMAGES! Save the receipt. Appeal the decision of the adjustor. Ask for a different or independant adjustor. Present the receipt as well as the above mentioned documents. Should be OK. If the seller claimed new roof, you may have a court case. Same for the inspector. Inspectors carry insurance. If you had an inspection done, and you paid, You have a good case if he found no problems. Of course, the adjustor may be shafting you irregardless. So ask for a new adjustor!
Posted by GothicSmurf on 2008-02-26:
Insurance is there to help with damages done that are covered peril, NOT as a home maintenance policy.
Both Madconsumer and Moneybags are right. Get your roof fixed NOW. You will have to pay up front for it and if any other damages come from this (leaking water on to TV for example) would not be covered because you did not take the appropriate steps to make sure nothing else is damaged.
You can try and appeal the decision but it is true that these adjusters are trained to be able to see new damages vs. old damages.
Check your policy to see what is covered and what is not. As a general rule, in order for it to be covered, you'd have to be able to take a picture of the loss, not a video. Meaning a loss is almost always "instant" and not constant.
Good Luck.
Posted by Anonymous on 2008-02-26:
Good info Gothic. I had not heard of this new damages vs. old business. Just another little thing consumers need to be aware of.
Posted by LinuxHpc on 2008-02-26:
The home was inspected as passed.
The insurance company inspected the house, and it passed without waivers.
The roof was ripped apart from High Winds and Hail as stated.
The insurance company denied a valid claim. Period.
Nothing else matters, high winds ripped off shingles, hail put half moons on most others. The minerals on most of the shingles were stripped off. Why is this maintenance? It's not, it's High Winds and Hail damage.
That's it, that's all. Stay away from Travelers Insurance.
Posted by GothicSmurf on 2008-02-26:
When are you claiming the hail and wind damage occurred?
If it happened before you moved in, you didn't insure the house then and there is no coverage. Period. Insurance doesn't work retro. It works only with in the terms of the policy.
That would be your dollar to update and repair anything that was not in the sale contract, that would include prior damage to siding, windows, shingles, etc.
Posted by fascismsux on 2008-02-26:
One of the biggest reasons ppl buy insurance is cuz ya dont know that you would otherwise have the extra money to fix a problem at any possible future time .If we could all be expected to have that money and could therefore solve the problem without bugging the poor little Ins . co. then whats the point of having an Ins . co ?
i know one person who is a certified home inspector ,and because I know what this person knows and doesnt know about home inspecting , I feel confident in saying that a home inspector is as worthy of inspection as the the home is .
As for gutter damage proving that the previous owner didnt replace the roof , this is BS , maybe the gutter damage is the result of tearing off the old roof-sht happens ya know - or maybe it was from a previous hailstorm and just wasnt replaced cuz it wasnt a major problem like rain coming through your ceiling ? maybe the new looking gutter gaurd was added as an afterthought later on ? and what does the ventilation have to do with the wind/hail damage = nothing !
Sounds to me like the Ins Co. is trying to scam another victim . i say get estimates and sue them if ya have too!- Even if the Ins. co declares that your roof is old , it still has value , and they should at least replace that value.
Posted by MSCANTBEWRONG on 2008-02-26:
What year was the house built? Is the roof the original roof? Did you call the day after you had a wind and hail storm? There are a lot of variables as to whether the insurance company is going to or should assume liability. If you called a few months after you had bad weather because you noticed some water damage, I rather doubt the insurance company is going to pay the claim. I would think in their opinion this would be standard maintenance as this wasn't a direct cause from the storm. JMHO
Posted by fascismsux on 2008-02-26:
MSCANTBEWRONG-I dont think its relevant whether the Co. was called after the storm - its only relevant that damage is done and needs fixxed , and that its the Co.'s job to finance the fixxing ! It's very reasonable to believe that though damage was done leading to leaks , that that damage wouldnt be noticable until the leaks actually appeared . for instance , if high winds from the south loosened and tore some shingles on the south face of the roof , it could be that rain would not cause leaks unless you again had blowing rains from the south .
Posted by GothicSmurf on 2008-02-26:
fascismsux- An ins. co only covers what is listed in the policy. It is not for maintenance policy. If the shingles are bad because they are old, it's up to the homeowner to repair them.
If there was a problem with the roof and the prior owners didn't repair it, it is NOT the responsibility of the insurance company to repair it, it has to be from a covered loss.
Posted by fascismsux on 2008-02-26:
GothicSmurf- I'm just taking the poster at their word , meaning -quote-"without notation of any waivers of liability or related material." -unquote -
Posted by GothicSmurf on 2008-02-26:
I understand that, but working in insurance for the last 6+ years, I can say with 99.9% certainty in their policy it tells them which causes/ perils are covered and excludes prior damages. Granted, I haven't seen their policy, but all homeowners policies are pretty much the same basics across the board.
Just because prior damage wasn't seen or known at the time doesn't mean it will be covered now. Unless damages are blatant, most of the times policies are written. I can't imagine that their policy states prior damage (before owning a home) would be covered.
As I said, it would help if the OP stated WHEN the damage occurred and IF they owned the house at that time.
Posted by Principissa on 2008-02-26:
I read this twice before posting and a few questions come into my mind: What did the home inspectors report say about the roof? Yes it passed inspection, but in their reports they are required to put the age, if there are any weak spots or shingles that need to be replaced, and if the ventilation is adequate. Is this the original roof or is it new? If it is new it may be under warranty through the roofer that installed it and you may get it repaired through warranty. If it is not new and this is damage that was reported by the home inspector the policy will not cover it because it is considered prior damage. Even though the damage happened during a hail or wind storm it may have aggravated a previous condition, like a weakened beam or loose shingle. If it is proven that the leak was caused by that the insurance will not cover it. You really need to read the report from the home inspector again and make sure that you didn't overlook something he/she put in there. You also don't state when the damage occurred. Did happen before, during, or after the storms? How long after the storms did it start leaking, a week, a day, a month? How soon did you report the damage to the insurance company, as soon as you saw it, a week later, 2 months later? Time is a factor when trying to place a claim. My insurance company requires that we call as soon as the damage occurs. Otherwise it will be considered prior damage because I cannot prove that it happened because of a storm. Last question, what does your policy cover? Does it cover water, lightning, fire, wind, or other acts of nature? If not than they are certainly not going to pay for the roof.
Posted by GothicSmurf on 2008-02-26:
*wipes away tear* I taught you well Princi!
Posted by Principissa on 2008-02-26:
LOL Gothic, you should have heard me on the phone with USAA when I was taking out our home owner's policy. You would have been so proud of me.
Posted by MSCANTBEWRONG on 2008-02-26:
facismsux, I think it is relevant as to when the damage was reported. As stated by others, this could have been pre-existing...My inspection report outlines every detail of the house from the roof, gutters, heating, air, windows, seals, etc...I have pictures of everything, and anything that needed to be addressed was outlined very specifically...my homeowners policy is the same way. I made my agent go through every detail so I would completely understand what is covered and what is not. Since I live in a hurricane prone area I have to make sure I know every detail. Again, it is just my opinion since I'm not directly in the insurance business however, my dad is so I'm not totally in the dark.
Posted by fascismsux on 2008-02-26:
MSCANTBEWRONG- well, according to poster - the house was purchased roundabout june of 07- the first storms were during the summer -(june , july , august?).- these storms contained both hail and high winds- but there was no sign of leakage -(I would assume that at this time there was no shingles that were torn off either ?)- the leakage became noticable on 1-22-08, after even more storms of high wind and hail , which makes the summer storms irrelevant cuz ya cant really identify which storm caused what exactly due to their proximity .
was there old damage ? the poster says no , i see no reason to not believe that , not that it really matters what i believe cuz Im just here wasting time cuz I have no life ! I think the fact that a neighbor also had similar problems gives the posters claim credibilty.
Im biased I know, towards the consumer ,cuz , I think corporations are almost always criminal enterprises , but so what .
yes, the devil is in the details , but there are too many of them (the details ). Too many devils hiding too many details . keeping up with them all would consume ones life , I think . And that is the goal of the corporate world - to baffle us with bullsht , wear us down until we are all just a bunch of weary , frazzled, drug-addled drunks , just hoping life will end so we can rest.
Posted by MSCANTBEWRONG on 2008-02-26:
Facismsux, I'm just trying to get additional details to make sense of why the claim was denied.
Posted by GothicSmurf on 2008-02-26:
fascismsux- where in their complaint did it say the dates of the storms? I missed that.
It just dawned on me that the OP noticed leakage in Jan of this year. Possible that it was ice dams that were in play.
Posted by fascismsux on 2008-02-26:
GothicSmurf- lazy reader huh?- just try the first 100 words - its in there!
Posted by MSCANTBEWRONG on 2008-02-26:
The way I read it was that they bought the house in June 07 and noticed the water damage in Jan 08.
Posted by LinuxHpc on 2008-02-26:
The house is 11 years old.. The roof was fine, as I stated, it was also inspected when I purchased it. Travelers has now changed their excuse to "The roof was just worn out." There was nothing wrong with the roof until after the high winds and hail storm. As I previously stated, Travelers insurance is a scam, run from the as fast as you can.
Posted by jktshff1 on 2008-02-26:
Good posts all. This is one of the most civil conversations I've seen here in a while.
Posted by Anonymous on 2008-02-26:
Agreed. Hey Jkt how you doing? Been playing much golf?
Posted by LinuxHpc on 2008-02-26:
For the record, there were no water stains until after the hail and high winds.
Posted by jktshff1 on 2008-02-26:
great super! Me and the better half played 36 weekend, 9 Monday. cart cover and heater help alot.
On the road again, won't play again till Friday pm maybe. Sunday for sure.
Posted by gooch on 2010-01-12:
If you don't hire a private insurance adjuster you will get raped every time. They charge 10 to 12% of what they get for you, but boy are they worth it. The insurance company person will always pull that failure to do maintenance crap to refuse paying for something.
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Travelers Denying Valid Tornado Claims
Posted by Krismas on 05/19/2008
DOUGLASVILLE, GEORGIA -- In my neighborhood we were hit by the March Tornadoes. My roof and siding were ripped apart. Travelers did replace my roof and we have been blown off by the Travelers adjuster twice when they found out I had my own team of people who wanted to meet with them. Twice they were a no show. They hired their"own independent" engineer and when I said I would hire my own as well, they told me it wasn't in my best interest and Travelers was looking out for me. So their whole group of engineers, the adjuster and claims manager came to my house and were all quite chummy for an "independent" evaluation. I contacted my state insurance commissioner's office as soon as they left my home to be proactive rather than reactive.
I just got the engineers report back from Travelers...wow, what a surprise...it was for Travelers stating that my home of 7 years with cement siding was torn apart due to the construction of my home and the contractors put nails in my siding to forcefully and that is why my siding is all torn up. What a crock! It was due to the wind pressure that popped the seams and nails out if my siding. Travelers paid the engineering company $1500 to help them deny my claim. It would have cost that to fix my siding. Don't ever use Travelers, I was a customer for 15 years plus, and when you need them they screw you. I am now involved with the Insurance commissioners office about this, I am hiring my own engineer and my own public adjuster, I am contacting the CEO of Travelers as well.
Travelers has three other similar claims in my neighborhood..all which had been denied as well stating shotty craftsmanship. Every other home has had no issues with their insurance companies. Only Travelers in Alpharetta, GA is denying claims. If you get an adjuster from there, you better beware and have your ducks in a row. They are conditioned and coached to not pay claims.
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Posted by tnchuck100 on 2008-05-19:
It's time for a lawyer. From what you have stated you should be able to recover the cost of your roof, your siding, your engineering/adjuster fees, your attorney fees, and court costs.
Don't roll over. FIGHT!
Posted by Anonymous on 2008-05-19:
Like many insurance companies after Katrina, they've learned how to dodge valid claims by asserting faulty construction or other issues. As chuck said...'Lawyer up'.
Posted by Anonymous on 2008-05-19:
Unless the original builder guaranteed tornado proof, which I would highly doubt, this baby falls completeley on to Travelers. Faulty workmanship or not Travelers insured the property as is. Your proactive stance leads me to believe that you have other experiences with Travelers. Anyway, your states insurance commissioner is the one who can get things rolling best. Personally I don't think it's time for an attorney until the state ins. commish rules on the case. Good Luck
Posted by Slimjim on 2008-05-19:
Dealer's right. They insured the property, they need to cover the damage. Perhaps contact an independent adjuster and see if retaining his/her services would be of help in getting proper claims money. I would look into this first as they would get a percentage of the claim only if they collect. An attorney would be my last resort because of retainers, but it may come to that too.
Posted by GothicSmurf on 2008-05-19:
Not always true dealer and slimjim-
Workmanship isn't always covered especially if it's faulty. Adjusters are trained to spot certain things- Nails coming out could have been aggravated from the tornado, but not caused by it.
HOWEVER if the OP isn't happy, they CAN hire their own public adjuster (of their choosing) to determine the damages THEN fight Travelers. I would suggest doing that first.
Posted by arden on 2008-07-15:
Re: Travelers Insurance complaint written by Krismas.
I would like to hear if you have had any success in resolving your claim with Travelers. I have a claims problem that sounds 'chapter and verse' like yours. How I wish I had checked with BBB before staying with this company so long. Thanks in advance for your response.
Posted by jktshff1 on 2008-12-31:
I get more fed up, no pun intended, with insurance companies trying to ----- (use your imagination) their policy holders
Posted by mesfly on 2009-03-23:
Posted by Anonymous on 2009-03-23:
mesfly, your situation makes me sick. To think that you are still living like this due to an insurance company not fulfilling their obligation is appalling. Those people should be ashamed of themselves. Did you get an attorney to help you out? I know for a lot of people this is not an option because of the additional cost, which is also what the insurance companies hope for. We pay and pay for years without a claim, and then when you need help from your insurance company, they come up with every excuse in the book to give you the shaft. Shame on them.
Posted by mesfly on 2009-03-23:
Posted by mesfly on 2009-03-23:
Posted by Anonymous on 2009-03-23:
Hopefully the Insurance Commissioner will be able to help you out. I had to use ours for some help with auto insurance once, and they actually were able to solve the dilemma in a short time. Of course, your problem is much more serious. I hope you receive a resolution soon, but it really seems like everyone has been dragging their heels for far too long, especially when we are talking about someone's home. I wish you the best.
Posted by Jonsmith on 2011-06-09:
We are currently suing Travelers Insurance. Our home had winter storm damage totaling around $30,000. Travelers sent a check for a little over $1,000 dollars and took over a year and a half to do so. But dropped our homeowners insurance immediately.
Some of Travelers cost savings suggestions included $500 to renail twisted usable roof gutters back on the house!!!!! Apparently, the adjusters have some "low-ball" company claim template that they use to for all claims "to cut a low-ball check and run".
DO NOT BUY TRAVELERS HOME, AUTO OR ANY OTHER INSURANCE FROM THEM. Drop them immediately and go with a reputable company. Consumer Reports recommends: Amica, CHUBB and USAA Group.
"Amica Mutual Group, USAA Group, and the Chubb Group of Insurance Cos. were rated more highly for claims satisfaction than most other insurers."
IF THERE ARE ANY TRAVELER's CLAIMS ADJUSTERS OUT THERE.....PLEASE WRITE IN WITH STORIES AND SUGGESTIONS ABOUT HOW TO GET A FAIR DEAL FROM TRAVELER ONCE YOU ARE "STUCK" DEALING WITH THEM?????
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Home Owner Claim Horrible
Posted by Christina4223 on 10/27/2007
OSCEOLA, INDIANA -- I had a break in to my home on Sept 9, 2007 and it is now October 27 2007 and we have barely gotten anything done with this claim. I have filled out all paperwork interviewed with the investigator and jumped through all hoops and the only answer I got from my claim adjuster was they are still investigating even though the investigator told me his report is in. She also told me she cannot tell me anything else at this time and when I asked how long this could go on she said as long as they need, so forever! My son had his whole room cleaned out of over 10,000 in video game items and it is going on 2 months and these people are the rudest I have ever meant. Never sympathetic and literally told me not to contact her she would contact me when done. I mean what kind of co that you are a customer for says don't call me. I hate travelers and will be done with them once this is over. We feel victimized all over again.
I barely get called back and even called her supervisor and didn't get a call back for that one either. Horrible, stay away!
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Posted by moneybags on 2007-10-27:
Immediately contact the Office of the Insurance Commissioner of your state. Many states have a 30-60 time limit on claims to be settled. Also, haver you only called the ins. company? Something sent in writing - certified, with a copy to the ins. commissioner really gets things speeded up. Shop for a new ins. co before your rate goes up or you get cancelled
Posted by Anonymous on 2007-10-27:
It's always interesting to see how insurance companies respond to claims once the homeowner needs to file one. Good luck, I hope this gets resolved for you and your family soon.
Posted by ThinLazyAmerican on 2007-10-27:
Did you say $10,000. worth of video games?
If I may say so without sounding mean, the robber did your son a favor.
I bet the insurance co. is dragging their feet because they read your claim of $10k worth of video games stolen.
Are you kidding us?
Posted by Anonymous on 2007-10-31:
I agree with ThinLazy- I work in insurance and if someone handed me $10K in video games I would investigate as well. What else was stolen? And yes, there is usually a time limit on certian things, but not on how long it has to be before you are paid in full or how long it is before it is closed. If you are unhappy though, you can ask for a change in adjuster.
Posted by NSX91 on 2009-12-20:
First of all, now you know why Traverlers' premium is so cheap compared to some other companies. And now, you also get to experience what being cheap gets you.
Second, you just made a claim for $10,000 worth of video games? LMAO. My Atari 2600 and games probably cost me $1000 new, but now it's all worth about $5. You can't get new prices for crap.
And you can't switch carriers...not for at least 5 years (depending on your state). Because you now have a burglary claim and no other company will accept you on their standard policy. It should cost double to triple your current premiums with Travelers if you went anywhere else that have substandard policies.
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One small claim in 15 yrs and now we can't renew
Posted by Jamigrossfield on 11/30/2012
We have had Travelers for 5 yrs as renters and 10 yrs as homeowners. This year, a large tree fell in our yard and we had a small ($1,000) claim. They were great at handling the claim.
Only issue is, apparently their underwriter's policy is that if you make a claim, that's all fine- you just can't use them anymore.
We received a notice of non-renewal - because we made 1 claim in 15 yrs.
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Posted by ok4now on 2012-11-30:
Did you contact your agent for the specific reason for non-renewal? It's hard to imagine that they would drop a 15 year claim free customer for such a small claim.
I was a 5 year claim free Traveler's customer that just dropped THEM. They whacked me with a $350 rate increase, now they lost a customer. Shopped around and Liberty Mutual gave me a fantastic rate, actually lower than Traveler's before the rate increase.
Posted by At Your Service on 2012-11-30:
Ultimately any insurance company considers the value of your premiums compared to the cost of the claims. It's unfortunate that $1000 claims makes them question the value of your patronage, but if they do, just find a different insurance carrier.
Posted by kenny f. edmonson on 2012-12-02:
I purchased a homeowner policy from TRAVERELS HOME and MARINE INS. CO. And I paid the required premium. When I had property stolen from my home in Meridian, MS TRAVELERS has refuse to follow the conditions and terms of my policy while acting in bad faith. "TRAVELERS MAY NOT BE THE TALIBAN BUT THEY SURE HAS TALIBANISH WAYS". My advice of experience please do NOT buy any insurance from TRAVELERS and if by chance you have insurance with the drop them and get you some real insurance with an honest company or you will be sorry when TRAVELERS "DEFRAUD YOU" out of your hard earn money just like they done to me. For comments and questions call Kenny F. Edmonson 601-591-4885, email:firstname.lastname@example.com. THANKS
Posted by uhh on 2013-02-21:
Travelers is pulling out of North Carolina
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Good claims service then drop you like a rock
Posted by Ddolllaw on 08/24/2012
OAK PARK, IL, TENNESSEE -- Travelers provided excellent claim service for two claims I had in the last five years. The first was when a wind-storm knocked a village owned tree onto my house. The second was when after another storm the sewer backed up into my basement. As I was renting the house starting that year, I expected to continue coverage with them. They dropped me.
The reason was because of the two claims, neither of which were my fault but were caused by weather.
Now I had to go with another carrier, who seem to be good, but with an increased premium.
I just think this stinks.
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Workers Comp Claim
Posted by Chefiam on 03/28/2011
Travelers Insurance is riping worker's compensation people off. They drag out claims, use doctors to lie about an individual's injuries so they don't have to pay. They have the doctor to hold off on sending reports to defense attorneys, they short change you on your payoff amount. I have had two surgeries and they want to pay me $20,000.00. My doctor earned more than that. I have been waiting almost five years for my case to settle. They don't negoitate any higher than $20,000.00, they cause people to suffer while waiting for resolution on their case. They are blood suckers who don't care about innocent people. My attorney and I waited six months for a two page report from the doctor who works for Tavelers Insurance. It took 30 days for them to stop my workers comp benefits after preparing a 30 page report for a three hour visit to the doctor's office. Does this make since to anyone? It doesn't make since to me, they are sitting back in their confort zones while people are suffering while waiting for their case to close so they can move on with their lives. I hope they are ready for GOD because He sure is ready for them.
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Posted by Anonymous on 2011-03-28:
I hate to break it with you but this how all workman's comp insurances work. My husband's employer uses JT2 Integrated resources for their workmans comp and they are notorize for being one of the most difficult insurance companies to work with! My husband's back was injured on the job (law enforcement) and had to get an lawyer after WC denied the claim! His WC Dr closed his practice at January 1 and it took WC almost 3 months after that to send his medical records to the new DR. The new DR got his records and declined to see him. We found another Dr willing to see him but first WC has to send the Dr a letter of authorization. Its been 2 weeks and they still haven't sent the letter!
Posted by localgod on 2011-03-29:
The Workman's Comp insurance companies are trying new tactics to avoid claim fraud; in other words, innocent people are getting the screw job. I recommend you consult an attorney who specializes in occupation health and workman's comp claims, it doesn't hurt to ask an expert.
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Throwing the smallest of claims away
Posted by Cmcintosh620 on 12/14/2009
DANVERS, MASSACHUSETTS -- (Boston, Danvers office) I was hit on my bike by a woman pulling out behind me (who was completely at fault) about a month ago. She immediately filed the accident report and the next day Travelers calls me up basically assuring me that the process was going to be a very fast one and that I would be on a new bike in less than two weeks.
So a month later, I'm finally able to get in touch with Jeff Lloy, my designated claim representative after countless missed calls, voicemails, emails, etc. and he told me that he did some "research" on the cost of Peugeot bikes and they were way less than my repair estimate from several bike shops. My vintage converted fixed-gear with very much work and parts put into it, will not be replaced for under $300... despite them telling me they'll cover up to several grand if necessary. I'm still (attempting) to deal with them at the moment. Can an international, hundred billion dollar insurance company really be so cheap?
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Posted by Anonymous on 2009-12-14:
This apparently is your first time dealing with a claim. The answer to your question is.....yes.
Posted by Hugh_Jorgen on 2009-12-14:
The adjusters #1 job is to settle your claim as cheaply as possible. If the cost to repair your bike is more than the fair market value, they might opt to find a comparable used bike and provide you with that instead.
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Good Except No Chance to Ask My Question
Posted by Lshaw4 on 12/26/2013
RALEIGH, NORTH CAROLINA -- This was a survey of consumer satisfaction with handling of an insurance claim, particularly in regards to communication. Responses were either 1 - 10 scale or yes-no-don't remember. But at no point before the survey concluded was I allowed to state that the policy was still in the name of me and my late wife, despite repeated attempts to take her name off. This caused a problem at the bank because the check was made out to us jointly. I will attempt to rectify this once more when I renew the policy in February.
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Homeowners Jewelry Claim
Posted by Rosannbreen on 11/27/2013
PITTSBURGH, PENNSYLVANIA -- My home was robbed. 95% of my jewelry and some coins were stolen. I didn't have a jewelry rider. Almost everything that was stolen was unique as I had collected these pieces over many years. Travelers was so nice to deal with. My claim handler Carol was so kind and caring. We even laughed a little. So if you are looking for a good insurance company who keeps in touch and is prompt in all they do Travelers is the one for you it is for me.
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Posted by Nohandle on 2013-11-28:
You never stated how much you were reimbursed by Travelers. According to you they were nice and a pleasure to deal with. How much were you paid by Travelers with nothing listed on a separate rider? Just curious.
Posted by Weedwhacked on 2013-11-29:
Did you find out about this website from Traveler's?
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adidas Reload Printed Shorts - Grey
These Reload shorts by adidas are perfect for long summer workouts in soaring temperatures.
Keeping you cool and confident, these shorts feature an all-over spot print for added impact and style. The large logo print across the back is bold and in your face - showing you who's in control of your workout.
Wear these shorts with a pair of adidas Duramo trainers , a medium intensity sports bra and racer-back vest top for a coordinated training look this season.
Useful info:
- Reload shorts by adidas
- All-over spot print
- Elasticated waist
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adidas Marathon M10 Printed Shorts
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adidas M10 Marathon Womens Shorts - Multi Print
These womens shorts by adidas are cool, light and comfortable making them the perfect pair for long distances.
Featuring climalite® fabric, these shorts are designed to sweep sweat away from your body ensuring you stay cool, dry and in comfort no matter how many miles you run or how hard you work. Their multi print adds pops of colour to your running wardrobe, while the elasticated waist perfects the fit.
Wear these shorts with a slim fit adidas tee and cushioned adidas trainers to complete your sporty silhouette this summer.
Useful info:
- M10 Marathon shorts by adidas
- All-over multi print detail
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- Inseam: 7.5 cm
Altura Tempo Undershorts
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2 reviewsThe Altura Tempo Ladies Undershorts features a breathable and padded design which adds on the bike comfort to any short.Features soft touch acti-dry wicking fabric, coolmax padded insert, seamless contact area, deep elasticated waist and flatlock stitched seams.Colour: Graphite.
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Elasticated waist with draw cord detail. Two front pockets and one back pocket with small logo to front.Colour: Grey/Black. Cotton, Elastane. Machine washable.
adidas Studio Power Shorts - Black
These studio power shorts by adidas are perfect for hot yoga classes and pumped up gym classes this summer.
Showing off your toned legs, these shorts are perfect for making the most of your workout body. The elasticated waist with drawcord secure the fit, while the contrast panel to the back works in a pop of colour.
Wear these shorts with an adidas tank top and trainers for a streamlined workout look this summer.
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Nike Printed Tempo Shorts
The Nike Printed Tempo Women's Shorts are made with strategically placed mesh panels for breathability and sweat-wicking fabric to help keep you dry. Built-in briefs add lightweight support, while an allover screen print provides a modern athletic look.
- Dri-FIT fabric to wick sweat away and help keep you dry and comfortable
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adidas Originals SL 72 Graphic Shorts
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adidas Originals SL 72 Graphic Shorts - Multi Print
These printed shorts by adidas Originals are perfect to keep your off-duty wardrobe sports luxe inspired.
Featuring an all-over multi print, these shorts look 70s inspired, while the drawcord waist and 3-Stripes branding keep the look athletic.
Wear these shorts with the adidas Originals tank top and mid top plimsolls for a street-inspired casual look this season.
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Ellesse Sweat Shorts
Elasticated waist with drawcord. Small printed logo to front and back leg.Colour: Grey. Cotton. Machine washable.
Elasticated waist with drawcord.Colours: Blue, Pink. Polyester. Machine washable.
adidas Printed Running Shorts
These 'M10' running shorts by adidas are woven making them the perfect pick for your summer workouts either on their own or layered over a pair of adidas running tights.
Featuring an all-over berry and blue print these shorts keep their contemporary styles classic with references to sports teams - an inspiration that runs throughout their Spring/Summer campaign. An elasticised waistband personalises the fit, while the climalite® fabric sweeps sweat away from your body to keep you cool, dry and comfortable throughout your training session.
Wear these running shorts with the adidas 'Supernova' sports bra, 'Response' running tights and a pair of adidas 'Energy Boost' running trainers to complete your workout look.
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- Running shorts by adidas
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Blue Pineapple Drawstring Shorts
From those who brought you Pineapple Dance Studios, these drawstring shorts by Pineapple are the perfect pick whether you're working up a sweat in the studio or hanging out this summer.
In cotton-rich fabric these shorts are designed to cover you comfortably, leaving space for your every move. The drawstring waist personalises the fit for ultimate comfort and the cool blue hue is perfect for this season. Easy to slip into in a spin these shorts will work as well on the dance floor as they will for heading down to the beach this summer.
Wear these logo shorts with the Pineapple slouchy off the shoulder T-shirt and a pair of Reebok classics for a cool and comfy style that'll see you getting your spins spot on!
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High spec ladies liner shorts with gel injected ProGel insert for added comfort and support. With six panel soft Lycra® construction and a ProGel stretch, multi density insert with gel sit bone pads. The waist loops are there for Altura baggy compatibility and the silicone leg grippers ensure the shorts stay firmly in the right place.Colour: Black.


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The Good Wife Strikes Back
Elizabeth Buchan - Author
- eBook - ePub eBook: $12.99
Another "guilt-free bonbon" (The Dallas Morning News) from the bestselling author of Revenge of the Middle-Aged Woman
Elizabeth Buchans New York Times bestseller Revenge of the Middle-Aged Woman was hailed as a thoughtful, intelligent, funny, coming-of-middle-age story by The Boston Globe. Now shes back with another wise and entertaining novel about a woman who veers off the beaten pathand finds much more than she bargained for. After nineteen years of being the perfect wife to an ambitious politician, Fanny Savage is restless. Tired of merely keeping quiet and looking good at public engagements, she remembers the career she abandoned and the life she left behind as a successful partner in her fathers Italian wine business. She has devoted two decades to being the Good Wife. Was it worth it after all? Could it be time for a trip back to Italyto the pleasures of sun, wine, and food? Could it be time for . . . a change?
Chapter 1
My husband Will, a politician to his little toe, did not entirely get the point. He maintained that sacrifices in the cause of the common good were sufficient in themselves to make anyone happy. And since Will had sacrificed a significant slice of his family life to pursue his ambitions as, first, a promising MP, then a member of the Treasury Select Committee, then minister, and— latterly—as one who was tipped to be a possible Chancellor of the Exchequer, it followed that he should have been supremely happy.
I think he was.
But was I?
Not a question, perhaps, that a good wife should ask.
The play was Ibsen's A Doll's House, and the production had excited attention. Although I could see that he was aching with tiredness, Will sat very still and upright in the seat, not even relaxing when the lights went dim. An upright back was part of the training he had imposed on himself never to let down his guard in public. Although I am better than I used to be, I am still laggardly in that department. It is so tempting to slump, hitch up my skirt and laugh when my sense of the ridiculous is tickled—and there was much in our life that was ridiculous. Politicians, ambassadors, constituents, coffee mornings, chicken suppers, state occasions...a wonderful, colorful caboodle replete with the ambitious and the innocent, the failures and the successes.
Of necessity, Will laughed with circumspection—so much so that, once, I accused him of having lost the ability through lack of use. There was only a tiny hint of a smile on his lips when he explained to me that one small error of attention could undo years of work.
I sneaked a look at him from under eyelids that still stung from the morning's regular date with the beauty salon. Dyed eyelashes were a necessity because, when I do laugh, my eyes water. In the early part of Will's career, when I was being scrutinized and weighed and measured from head to foot by sharp eyes in the constituency, Mannochie, Will's watchful and faithful political agent, had been forced to whisper discreetly, "Train tracks, Mrs. S," which meant my mascara had smudged. There was no option but to laugh off that one and whisk myself to the nearest mirror for a quick repair job. This was part of the bargain struck between Will and me. In short, to look good as the minister's wife was to be good.
Dressed in pale, shimmery blue, Nora made her entrance onto the stage and her husband asked anxiously, "What's happened to my little songbird?"
Will reached over for my hand, the left one, which bore his wedding ring and the modest ruby we had chosen together. It was small because, newly engaged and glowing with love at the prospect of shared happiness and mutual harmony, I had not wished him to spend too much money on me. Hindsight is a great thing, and I have come to the conclusion that modesty is wasted when it comes to jewelry. The touch of his hand was unfamiliar, strange almost, but I had grown used to that, too, and it was not significant. Beneath the unfamiliarity, Will and I were connected by our years of marriage. That was indisputable.
At the end of the play, still in her pale blue, Nora declared, "I don't believe in miracles any longer." The sound of the front door opening and closing as she left the house was made to sound like a prison gate clanging shut.
Someone in the audience gave a little cheer. It echoed above the perfectly groomed heads in the stalls, and there was a rustle of collective embarrassment at this demonstration of female solidarity.
I watched the cold, eerie city lights give way to the shadows of the suburbs. At home, I often played the game of not-turning-on-the-light-until-the-very-last-minute. I loved that moment of transition between light and dark, and the textures of light and shade. I had learned that if I remained quite still something surprising might swim up out of the spaces in my head. Sometimes only a fleeting thought. Sometimes a revelation or a conclusion. Its chief element was of surprise and I found myself increasingly craving the delight of discovery. It was the moment to consider peace, happiness, expectation,...but, lately, I suppose, to reflect on a certain, creeping restlessness and a growing sense that it was time for a change.
Will cleared his throat—I recognized the signal—and began to talk about his project of the moment: the controversial European initiative to tax anyone with a second car. "There's no question, but we have to do something before the world chokes. We can't stand by and do nothing; we must show that we mean what we say." He turned. "Fanny? Are you listening?"
"Of course," I said. "Look at the road, Will, not at me."
But I was thinking of the days when my energy had been devoted to Will's political life and objectives and wondering why I did not feel the same. It was not as though we were old. I still loved Will, although sometimes ripples of irritation and exasperation made me forget I did—but that was marriage. Our life still held many possibilities.
"Fanny...? Do you agree with what I am doing?"
"I don't think it stands much of a chance," I replied. "I don't think people always want to be told what is good for them."
"So I'm on my own on this one?" he said with the tone of one well used to arguing a case. "Fair enough."
An hour or so later, he nosed the car into the drive, unsnapped his seat belt and reached for the red box filled with papers, which required attention, that was never far from a minister's side.
"I hope you enjoyed the evening." He hefted the box onto his knee and added, "We've made it Fanny, haven't we? Nineteen years..."
I felt a sudden, intense disquiet. Or was it bewilderment? Where had those years gone? One of the saints, I think it was Theresa, wrote that the soul has many rooms. So does a life, and a marriage. Motherhood, too, and I had been curious to shine a light into each one. But having struggled through the muffling intimacies of being a wife and a mother, I was now asking: Which room was mine alone? Into which still, private room could I retreat?
I smiled at him. "It was a lovely evening." Then I leaned over and kissed him.
When we let ourselves into the house, I realized that I'd made the mistake, unlike Nora, of continuing to believe in miracles. The commotion that greeted us—Meg shouting and Sacha, her son, cajoling—meant only one thing. Will's sister had been drinking.
"Why?" I murmured. "Why now? She's been off it for months."
Will's face had tightened into the expression of frozen distress that I knew so well and dreaded. "I'll deal," I said. "You go and check on your papers. Otherwise you won't get any sleep." I pushed him gently in the direction of the study. "Go."
I went down the passage that ran the width of the house and waited a moment or two at her door. The noises had stopped.
"Upstairs, Fanny."
I found him in Meg's bedroom, manhandling his mother's inert body onto the bed, and hastened to help. Meg was hunched on her side. I smoothed her hair back from her forehead. She was as fair as I was dark, and much smaller boned. "Has she had a lot?"
Sacha arranged her legs into a more comfortable position. "I'm not quite sure." He added with an effort, "Sorry."
"It's not your fault." I bent down to retrieve a whiskey bottle from the floor. It was still three- quarters full. "I don't think she's had that much..."
"But enough."
"She's been brilliant lately, and didn't touch a drop while you were away." Sacha's nu-metal band was struggling to get off the ground, and he was frequently away traveling the circuit.
He flinched and I could have kicked myself. "It isn't you. It isn't you coming back....It's the time of year, or an unexpected bill or—"
"She rang my father today. He wants to renegotiate the alimony. That's probably it."
"Yes. That's it." Meg had never got over Rob walking out on her when Sacha was tiny. "Talking to your father is always tricky for her."
"I know," he said. He spoke far too wearily for a twenty-four-year-old. I slid my arms around my surrogate son. He smelled so clean. He always did, however many smoky, drink- filled places he'd worked in. "Don't despair."
"I don't," he lied.
"Shall I sit with her?"
Sacha propelled me toward the door. This was between him and his mother and, now that he was older, he tried to keep it that way—because it was so terrible and so intimate.
I turned to look at him. "It was only once, remember," I said. "There's been months and months of nothing."
In Meg's kitchen, her lost battle was marked out by a trail of half-empty coffee cups. The one by the phone was still full, and signaled the moment of defeat. "I hate you for knowing when to stop," she had once told me.
I harvested the cups and washed them up, scrubbing angrily at their brown, scummy rims. Through the window, I watched a vixen slide along the darkened flower bed. She was thinner than a
I left the mugs to drain and found Chloe slumped at the kitchen table beside a glass of apple juice. I bent over and kissed her. She smelled of shampoo and her soft cheeks were slippery with face cream.
She rubbed her eyes. "Couldn't really sleep," she said. "Is Aunt Meg OK?"
I trod warily. Will and I had been clever enough to hide the worst of Meg's excesses from our daughter. Chloe was still too young to be told the absolute truth, but too old to be lied to. "Fine."
She looked anxious and a little bewildered. With her fair hair and dark eyes, she was a smaller, infinitely more delicate version of Will. One day she would be beautiful and that promise gave me deep, unqualified pleasure. "Did you and Dad enjoy the play?"
"It was brilliant; we had a lovely evening."
She polished off the apple juice. "It's nice that you two went out together."
"Did you do all your homework?"
She shrugged irritably. "Brigitte stood guard and I told her to get lost... but I did it."
Brigitte was our temporary au pair-cum-housekeeper, who took her duties very seriously.
She shook her head.
"Bed, then." I pulled her to her feet, hustled her upstairs and settled her. I hunkered down beside her and whispered, "Everything's fine."
Chloe closed her eyes. "Do I really have to go to Pearl Veriker's funeral tomorrow?"
"Dad says we must. No argument."
"It's not fair," Chloe hissed. "Just because you have to do all these ghastly things, you make me as well."
"Go to sleep."
I hovered for a minute or two outside her room. Poor Chloe. She would learn that every shared life, every separate life, has bloodstained patches and tattered remnants of compromise. Sometimes, too, the dull ache of small martyrdom.
Will was already in bed and I slid in beside him. "Chloe woke up. I've tucked her back in."
"Good." He hesitated. "Is she... is Meg all right?"
"What triggered her off do you think?"
I thought about it. "She and Rob talked on the phone about money, but I suspect that it had something to do with our anniversary."
Our conversation went round and round on the subject of Meg. As it always did. Will scratched his head. "I would give much to think that Meg was happy and sorted out." He turned to me. "She has a lot to thank you for, Fanny. So do I."
My feelings for Meg could be ambivalent, but being thanked by Will was sweet.
He stirred restlessly. "What do you think is best, Fanny?" he said. "Do you think we should arrange more help for her? Could you manage to do that?"
"I could, but it might be better if you could talk to her. Maybe she needs a bit of your attention."
He thought about this. "I haven't got the time at the moment. But I will when I can. I promise."
But it had not happened that way. After Chloe there were no more babies. My body pulled and strained to obey my longings, but it could not do what I asked of it. Sometimes they haunt me, my nonchildren—those warm, sleeping, rosy bodies, the children-who-never- were—and I listen out for them playing under the eaves.
"I don't mind," Will said to me once. "We have Chloe, that's enough. We look after her. I look after you. You look after me, Fanny. Be content, please."
"Don't you mind at all?" I asked.
He touched my cheek. "I mind for you. I mind anything that hurts you."
Yet, as it turned out, my household was full, and we had been happy. First Chloe was born, and I was catapulted into the terror and mystery and exultation of a love that would never die. Then Meg came to live with us; Sacha too, after his sixteenth birthday. The au pairs came and went; the party workers slipped in and out, each leaving a ghostly imprint on the atmosphere, their rustles and murmurs dissolving into the general murmur of life.
Visceral and on the mark... ladies, welcome your midlife crises with open arms. (USA Today)
Buchans vivid, witty style makes The Good Wife Strikes Back a breezy but deeply satisfying pleasure. (The Dallas Morning News)
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This fundraiser closed 5 months ago
Im going to be volunteering in Thailand this summer to assist The Elephant Nature Foundation(ENF) with medical care for elephants and other animals. I will be assisting with overall maintenance of the park and basic medical care to the elephants. I will be spending four weeks in Thailand. This trip means so much to me. I want to go to vet school preferably University of Florida(top 10 vet school in U.S) next year. I work two jobs just to stay in school. I currently attend Florida Atlantic University. I work at a Animal Hospital and Volunteer at Broward Animal Care and Adoptions once a week. I pet sit and walk dogs as extra money to save to go to this trip but unfortunately it is not enough. Im passionate about animals and this trip will be a dream come true.
Your donation will go toward my program and travel cost (approx. $5,000) covering my accommodations, most meals, project materials, ground transportation, and tour guidance. Thank you for your time and thanks for donating.
For more info about the non-profit organization you can visit ISVolunteer.org or for more info about my trip to thailand and the elephants you can visit http://www.isvolunteers.org/destination/thailand/volunteer-projects
Or for a video specially on the Elephant National Project visit:http://vimeo.com/52093554


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How do y'all wash your Diamond? I normally wash it like normal colors then let it air dry on a drying rack, but for some reason they get all stiff and wrinkly... any secrets to be out there? And no don't say "Don't wash it" I live in Arizona and it's mad hot here so I gotta.
i dry clean my diamond shirts everytime. then when i get the shirt back from dry cleaners, i neatly fold it, put it in a gallon-sized ziplock bag, and vacuum seal it. then i put the vacuum sealed bag into another bag just in case some dust particles or air might get in. for the limited edition shirts, i'll use a third zip lock bag just to be safe.
yur kidding right??
november '11 niggas man....smh
find the closest skyscraper to you and jump off the top please
Damn, if you talking to me about being a "november'11 niggas" then you're ridiculous. I've been lurkin on these forums for a minute waiting for registration and it finally came around, I don't post more than I need to so that's why I'm not real known. Don't understand the hate.
Oh and to all y'all bitchin cause I asked about how others wash your shit, I'm sorry but I take value in the clothes that I buy, want to make them last and worth it.
It's my money right?


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LOUISVILLE — Extra innings haven't been kind to the Central Hardin Bruins this season.
The Bruins dropped back-to-back games for the first time this season, falling to host Louisville Male, 4-3 in nine innings Friday night and to Lexington Catholic, 3-2 in eight innings Saturday morning in the Louisville Invitational Tournament.
All three of Central Hardin's losses have come in extra innings. The Bruins lost to Russell County, 2-1 in eight innings April 13. They are 1-3 in extra inning games this season.
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Sorry double post.
Not a bad idea, but too bad about the good technical stuff that snuck in now and then. I think there might have been some .
Sorry double post.
Last edited by John Vegas; 12-15-2012 at 05:52 PM.
Oh, after re-reading your post, I see that you meant for me to click the regen button MANUALLY to start a regen. Got it!
Last edited by John Vegas; 12-15-2012 at 08:20 PM.
Does anyone know a good place to buy Fleck o-rings? For some reason, the DLFC o-ring got distorted (I think when it turned due to the twisting effect of the drain tube), resulting in a fairly significant leak during last nights regeneration. I freaked out when there was water on the garage floor this morning, so I ran through the cycles and it was spraying some water out of the DLFC connection). This is part 13303-01. Can I just use a "standard" o-ring of that size that they sell at a big box store, although it might be made of a different material than the "560CD" stuff. I assume the -021 mean a 15/16 ID, 1-1/16 OD and a 1/16" width (I looked this up on some o-ring manufacturer's charts for the -021 size). This is what I was thinking, which seems to be consistent with a -021 size. Think this should work if I lubricate it with some silicone grease? Thanks, JS
Ok, got the o-ring fixed and all is well...but.
I came home the other day and there was water under the resin tank. I noticed that water was very slowly dripping from the bottom of the back of the plastic housing. I took off the housing, and it appears that there is condensation forming on either the plastic housing or some of the parts inside the plastic housing, creating a bit of water that is dripping down. Luckily, the electronics didn't burn out. It has been quite cold here in Las Vegas (lows in the high 20s at night), and the unit is in the garage. Anyone have or hear about this problem? I have kept the plastic housing cover off, and no dripping or other water has been observed.
Thanks, JS
Yet another issue.
I have the RC set to 90 gallons with day override off. Last night I got home at about 1 AM and I noted there were 26 gallons left. I showered, and there were 7 gallons left at 1:50 AM. The previous night, the remaining capacity was 92 gallons at 2 AM (I got home about 3 AM and noted the remaining capacity). I assume the softener should have regenerated last night at 2 AM, but it did, and I checked it this AM, it was still at 7 gallons reserve capacity.
I ran a manual regen, but any idea why it didn't regen?
Send me an email with all of your settings. I can walk you through them easily. Let me know what you are trying to accomplish, the size of the system, and I will send you a programming guide set up for your exact application.
I think I figured it out.
The softener keeps the 90 gallons in reserve, it is NOT included in the amount shown on the 7000 display. I believe the number on the unit has to exhaust to 0, then you are in the "reserve zone." Then, it would regen on the next night. Since I had not exhausted the unit to zero, it naturally didn't regen because there was still the amount in reserve.
Does that sound right?
I breezed through what you wrote w/out thinking about it. I should have read it more carfeully. I see a lot of people who spend too much time trying to figure out every part of the programming and what it means instead of just enjoying the soft water. Your analysis is correct. The reserve should be set to 1 days water usage. We usually use the safety factor as our generic setting, rarely does a customer have a problem or question when we use this.
Excellent job on your system, now go enjoy it.


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Author: Editor/Tuesday, May 21, 2013/Categories: Ride Stories
Three-Part Series, Sponsored By BMW Motorrad USA and BMW Performance Driving School, Premiers on SPEED™ Sunday, June 9 at 9 P.M. ET
Neale Bayly
While the sheer distance of the ride for Dr. Laura Ellis, Rev. James Johnson and Charlotte, N.C., entrepreneur Troy Rice proves challenging over nine days and 1,700 less-than-comfortable miles, two especially grueling segments of the trek stand out during the specials -- riding through the deep sand of Paracus National Park and crossing the Andes at 14,500 feet in thick, freezing fog.
And while each rider absorbs the experience differently, Bayly is quick to point out that real change for the trio may be yet to come.
For the Backstory on Neale Bayly Rides: Peru, including colorful details about Neale Bayly, the cast and team, sponsors and Wellspring International Outreach, visit: http://nealebaylyrides.com/backstory/the-show/
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Ballston CrossFit, CorePower Georgetown, Balance Gym Foggy Bottom
Sima has been physically active her entire life. Whether for competition or for fun, she has always been driven to reach her athletic potential. Exercise brought balance to her life, as she embraced and practiced a "healthy mind - healthy body" lifestyle.
In 1999, Sima's balance was disrupted during a severe car accident. Confronted with the diagnosis that she may never walk without assistance, Sima was determined to prove her doctors wrong. She discovered yoga, and through dedicated practice, overcame the physical and emotional trauma.
Using the passion that empowered her to achieve her own recovery, Sima opened a yoga practice and began to share her story. Through her one-on-one sessions and personalized instruction, Sima showed others how to live in the moment: with a full heart, open mind and generous spirit.
Clients, friends and family members witnessed and admired the positive impact Sima was making in people's lives and encouraged her to share her strength and expertise with others.
You can find Sima teaching yoga at Ballston CrossFit, CorePower Georgetown, and Balance Gym Foggy Bottom.


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Westerberg Horse Farm 1 Online Only
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Online Only Auctions, Antiques, Art, & Collectibles, Farm & Heavy Equipment, General & Estate, Other
Do not LOGIN using the login button at the top of the screen. Click view bids on any catalog & login using the login button on the lots. Thank you.
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3 Tips to Taking an MCAT Practice Test
What better way is there to see how you'll score on the MCAT than to take an MCAT practice test? This is the best tool to predict your score and see where there is room for improvement. If you're wondering when and how to take your MCAT practice exam, then look no further!
1. Take the practice test at the same time as the real exam.
If you're a night owl and take the practice test at 8 p.m., then chances are you're not getting the best prediction of your score. You'll be extra alert at night and not …Read more


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In a report broadcast Monday, ABC News' Brian Ross finally caught up with what I reported almost four months ago about the U.S. Government's reckless approach to business and warfare.
Shown in the video above, the alphabet network's chief investigative reporter reveals much of what I shared in a startling piece July 30, an excerpt of which appears below:
Though Army Pfc. Bradley Manning was acquitted of charges that he aided the enemy when he released hundreds of thousands of classified documents to Wikileaks, U.S. Army officials continue to do business with 43 individuals and companies — most of whom are Afghans — despite evidence of their ties to supporters of the insurgency (i.e., the Taliban, the Haqqani network, and al-Qaeda) in Afghanistan.
In his July 30 report to Congress, Special Inspector General for Afghanistan Reconstruction John Sopko raised concerns about the Army's refusal to act on his recommendations that would prevent supporters of the insurgency in Afghanistan from receiving lucrative government contracts. Incredibly, they were the same concerns he had raised three months earlier in his April 30 report to Congress.
Why have no ties been cut between the Army and the suspect 43 individuals and companies during the past three months? Officials at the Army Suspension and Debarment Office say, according to Sopko, appear to believe suspension or debarment of these individuals and companies would be a violation of their due-process rights.
Was I surprised to learn of this difficult-to-fathom news? Hardly. I ran into similarly-dangerous thinking during the four-year investigation that led to the release of my second nonfiction book, THE CLAPPER MEMO.
Of course, this isn't the first time I've called attention to Ross and his reporting exploits. I devote 20 pages of my second nonfiction book, THE CLAPPER MEMO, to a report by Ross that aired on ABC's Primetime March 30, 2006.
To read more about reporting by Ross and what I uncovered during my investigation, order a copy of THE CLAPPER MEMO. FYI: It comes highly recommended.


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When Thomas Jefferson struck a deal with Napoleonic France to purchase the territory of Louisiana in 1803, he inadvertently put an end to a power struggle that dated back to the 17th century. From the time of Europe's first explorations into Louisiana, the land's strategic location had made it a target for both the French and Spanish. Every time the territory changed hands between these nations, a...
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How We Decide
Since Plato, philosophers have described the decision-making process as either rational or emotional: we carefully deliberate or we "blink" and go with our gut. But as scientists break open the mind's black box with the latest tools of neuroscience, they're discovering that this is not how the mind works. Our best decisions are a finely tuned blend of both feeling and reason—and the precise mix depends on the situation. When buying a house, for example, it's best to let our unconscious mull over the many variables. But when we're picking a stock, intuition often leads us astray. The trick is to determine when to lean on which part of the brain, and to do this, we need to think harder (and smarter) about how we think. Jonah Lehrer arms us with the tools we need, drawing on cutting-edge research by Daniel Kahneman, Colin Camerer, and others, as well as the real-world experiences of a wide range of "deciders"—from airplane pilots and hedge fund investors to serial killers and poker players. Lehrer shows how people are taking advantage of the new science to make better television shows, win more football games, and improve military intelligence. His goal is to answer two questions that are of interest to just about anyone, from CEOs to firefighters: How does the human mind make decisions? And how can we make those decisions better?
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Looking for cheap pool cues? Maybe an inexpensive case to bring to the pool hall? If so, you've come to the right place.
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Hext Theatre expands
Submitted: 09/09/2013
Play Video
- Performing arts lovers in Rhinelander will soon need to walk across the street to see performances.
But that change will reward theatergoers with a bigger and better experience.
The Hext Theatre recently moved out of the Brown Street Mall to a much larger location across the street.
It's a month away from opening.
"We were limited to 50 seats. We really liked it down there. It was a good place but after two years we were doing well with it and we realized it was time to expand the business and make it a little bigger," says
Hext Theatre co-owner Jim Hext.
Hext and his wife, Lori, opened the original theatre in 2011.
Their son Zach is a magician.
He was the main inspiration for opening the theatre because there was nowhere for him to perform.
The theatre has since given local performers a place to showcase their talent.
"We want to offer things that people don't really find in Rhinelander. Comedy shows, you know, improv, magic shows, music. And for the music we want to offer stuff that, you know, like again like I said, that you don't find. We had a fiddler that was over there, Tess Stevens, who was really good, bluegrass bands," Hext adds.
The new theatre will have 150 seats.
Comedians from out of state will perform each month.
They also hope to have plays now that the theatre is three times bigger than before.
The theatre will also have a cafe.
Related Weblinks:
Hext Theatre website
Story By: Lauren Stephenson
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Wisconsin court to decide on testing drunk drivers
Submitted: 04/18/2014
- The Wisconsin Supreme Court is set to decide whether police can legally draw suspected drunken drivers' blood without a warrant or driver consent.
The court said it would hear three drunken driving cases, two of which involved a homicide. That announcement came nearly a year after the U.S. Supreme Court ruled on a Missouri case that could call into question Wisconsin's law.
Wisconsin since 1993 has granted police authority to draw drunken driving suspects' blood without a warrant or consent.
About 5,000 people refused to comply with police tests in 2011 and 2012.
The eventual rulings in the three cases are expected to clarify how law enforcement can gather evidence in some Wisconsin drunken driving cases.
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Merrill library stays ahead of technology, offers visitors 3D printer
Submitted: 04/18/2014
Play Video
- Workers at the T.B. Scott Free Library in Merrill want people to use the library for more than just books.
They're offering the newest in technology and design to visitors.
The library just got a 3D printer for everyone to use.
3D printers are most often found at places like manufacturing plants and tech colleges.
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Survey shows fewer high school students drinking,smoking and having sexual intercourse
Submitted: 04/18/2014
Play Video
- A new survey released by the Wisconsin Department of Public Instruction shows fewer high school students are smoking, drinking and having sex.
The 2013 Wisconsin Youth Risk Behavior Survey is taken every two years. It anonymously surveys more than 2800 students from more than 50 public school districts around Wisconsin.
The survey shows 12 percent of high school students had smoked a cigarette on one or more days in the past 30 days of the survey. That�s down from 32 percent in 1993.
Katie Kennedy, Options Counseling Services Clinician, works with teenagers that suffer from alcohol and other drug addictions. She believes intervention programs have helped lead to declines.
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Statton's General Store will close after ten years
Submitted: 04/18/2014
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- Statton�s General Store in Tomahawk will close its doors after ten years.
Dick and Rita Statton opened the business in May of 2004.
�I decided it was time for a change,� says Dick Statton.
Dick worked in manufacturing for 32 years before opening the business.
He wanted to try something new.
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UPDATE: Name released in Tomahawk house fire
Submitted: 04/18/2014
Play Video
- A man in a wheelchair couldn't make it out of a burning Tomahawk home Thursday.
The fire killed 70-year-old Kenneth Pietila.
A snow plow driver saw smoke coming out of the windows of the home on East Pine Shore Lane just after 1 p.m.
Tomahawk firefighters found an active fire spreading throughout the home.
Pietila, in his wheelchair, couldn't be saved.
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RHS Mock Trial team recognized for accomplishments
Submitted: 04/18/2014
Play Video
- A Northwoods team broke their own state record last month by winning a 17th state title.
A pair of state legislators honored them Friday.
Republican State Representative Rob Swearingen and Republican State Senator Tom Tiffany honored the Rhinelander Mock Trial Team at the Oneida County courthouse today.
"It's on behalf of myself and Senator Tom Tiffany from the 12th senate district," said Republican State Representative, Rob Swearingen.
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Federal appeals court upholds Walker's union law
Submitted: 04/18/2014
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- A federal appeals court has upheld Republican Gov. Scott Walker's public union restrictions.
The restrictions stripped most public workers of nearly all their collective bargaining rights. Two unions representing city of Madison and Dane County public workers filed a lawsuit in 2011 alleging the law violated their right to freely assembly and equal protection.
U.S. District Judge William Conley found the restrictions constitutional in September. A three-judge appeals panel affirmed Conley's ruling Friday, saying the U.S. Constitution doesn't require the state to maintain policies that allow certain associations to thrive.
Wisconsin Attorney General J.B. Van Hollen calls the ruling ``a victory for the law and for Wisconsin taxpayers.''
An attorney for the unions tells the Milwaukee Journal Sentinel he needs to talk to his clients before deciding whether to appeal.
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Laurentian Lanes Bowling Montreal
First in bowling since 1959
Laurentian Lanes Bowling Centers have been in the bowling business since 1959 and have been the proven choice for bowling (recreational or competitive) in Montreal, Ottawa and Kingston.
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UNEP-WCMC produces reports for a number of fora including CITES, the European Commission and the Convention on the Conservation of Migratory Species of Wild Animals (CMS). Recent examples of these reports can be downloaded here in PDF format.Resource Type: Reports
The Protected Planet Report 2012 reviews progress towards the achievement of international protected area targets.Resource Type: Reports
Based on input from more than 100 experts, this book aims to provide the most detailed assessment ever of the worldwide distribution and conservation status of national parks and reserves. It examines the relationship between people and protected areas, investigates threats and opportunities, cites the history of protected areas, provides expert conservation advice and celebrates the success of protected areas around the world. Edited by Stuart Chape, Mark Spalding and Martin Jenkins, with foreword by Achim Steiner and Julia Marton-Lefèvre.Resource Type: Books
The Last Stand of the Orangutan was prepared by a Rapid Response Team at UNEP/GRID-Arendal and UNEP World Conservation Monitoring Centre as a broad collaborative effort, involving contributors from the Ministry of Environment and Ministry of Forestry, Indonesia, and partners of the Great Apes Survival Project (GRASP).Resource Type: Reports
The World Atlas of Biodiversity is the first map-based view of the world's living resources and so addresses the remarkable growth in concern at all levels for living things and the environment. It provides a wealth of facts and figures on the importance of forests, wetlands, marine and coastal environments and other key ecosystems.Resource Type: Books
This summary report aims to provide the European Commission with an overview of the likely impact of climate change on biodiversity in the European Union and indications as to how the design and implementation of current policy might need to be adapted in order to ensure that the EU respects its commitment to reduce biodiversity loss by 2010 and beyond.Resource Type: Reports
The report, the fifth in UNEP's 'rapid response assessment' series, looks beyond forests and the REDD debates to the potential of natural and agricultural ecosystems to capture and store carbon. It examines the potential for gaining multiple benefits for livelihoods and ecosystem services through managing ecosystem carbon and considers the implications for policy.Resource Type: Reports
This document provides a basis for estimating the probable impacts of different forest cover creation approaches on the ecosystem-derived benefits of biodiversity, water provision, soil conservation and non-timber forest products.Resource Type: Reports
The Conservation Atlas of Tropical Forest series was produced under the Tropical Forest Conservation Programme of IUCN, with much of the research, editing and map preparation done at WCMC. The Atlases provide an overview of the status of tropical forests, with discussions on their history, agricultural colonization policies and deforestation, conservation polices for plants and wildlife, protected areas and a country-by-country analysis of status and trends. Although these Atlases were produced in the early 1990s, they still provide a valuable reference source for forest conservationists and researchers.Resource Type: Books
©2014 UNEP All rights reserved


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44 Mountain Blvd, Warren, NJ 07059
The 25-member Warren Township Police Department, under the direction of Chief Russell Leffert, includes four…More divisions: traffic, communications, detectives and patrol. The department was established in 1973.
The department runs the Drug Awareness Resistance Education (DARE) program in Warren schools, and the Warren Police Explorers Post, providing high school students interested in police work an opportunity to learn about the department by helping support police at community and volunteer events, crime prevention programs and other community projects.
44 Mountain Blvd, Warren, NJ 07059
The Warren Township Municipal Complex Annex includes the Susie B. Boyce meeting room and the Police Department. The…More meeting room is the site of the municipal court, township committee, zoning and Planning Board meetings and other municipal events. The police department is located in the lower section of the building, with access through a separate entrance on the right.


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Pasadena >Food & Dining > Intelligentsia Coffee & Tea
55 E Colorado Blvd, Pasadena, CA | Directions 9110534.145770 -118.149254
Mon-Fri 6am-10pm
Sat-Sun 7am-10pm
Neighborhoods: South Pasadena
Not many people know this but in the back you can drink beer, wine and some of the best charcuterie in the city.
This is my favorite of the Intelli locations. Great design and lots of space to sit down with your laptop and work. This location also offers lite bites in addition to their pastry offerings.
Love....Love....Love.... Super friendly people.... Cool ambience..... Their coffee is prime......
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