our business recently burnt down-how much can a insurance company depriciate our equipment?
86662
Check The Policy\n\nPayment could depend on the age, cost, and current cost of the equipment.  Other pay off facts may be the safety of the building, insurance agent, and policy.  You can disagree with the agent who settles it.  You may be able to get an attorney if you think they are not treating you fairly or paying enough money.  Good luck
1072351
Have you tried contacting your state insurance department for help?  Any company selling insurance in your state would have to have been registered with the state's insurance department so they should have some sort of record of what happened to the company; such as, out of business (and why), sold (and to whom), became insolvent, etc.
114034
I live in Fairfax County in Virginia as well. If the county says that your business is violating a fire code, then I suggest you follow their recommendations. They can slap you with zoning violations and charge you with fines if you do not cooperate. Worse, they can close your business, or make it very hard for you to operate the business. Unless you have the resources to fight it out with the county, I suggest you start to make changes in your body shop and follow their recommendations to make your business compliant with the fire code. This may not be what you want to hear, but you have to realize that you may be in for greater liabilities in the event that a fire broke out from your shop -- even though you have already been warned that your shop is not fire code compliant. I hope your business has insurance.
1112123
I think you have a case . . . did you happen to take pictures of all of these "repairs"?  Sometimes just the threat of small-claims court will get them to write a cheque.  You may have to pay a lawyer to write up the court documents, unless the clerk is willing to help you out.  You did agree to the repairs, but you could argue that you expected them to be close to the original quality.  The fact that they tried to repair the stand, indicates they insured the UNIT part also. Good luck.
239695
call your insurance broker. renter's insurance is pretty cheap from my experience.
82616
They could probably get a newer machine for less that your oral contracted price.  See if you can sell the machinery for more that what they are offering you otherwise you can consider their offer.  Oral contract has no legal value, can't goto court with that.
932792
Forget the casualty loss (which I think you qualify for anyway).  how about a lawsuit v the PD that sold your bike?\n\nThe laws are written so that most people can't claim casualty losses - they are for real catastrophes.
272975
I don't think its right... I used to work for a company that did this...its not so much the company, but the insurance I think
865108
This is a liability exposure on your landlord's part, as he is the owner of the property that caused the damage.  You should file a claim against his commercial general liability policy.  They will determine if he is liable or not.  If he is found to be liable for the damage they will pay for the repairs.  There is no need to sue anybody, just file a claim and see what happens from there.  The adjuster who handles it from his insurance company will just ask if it was rotten and if it looked like it needed to be removed, if this is the case he is liable and his insurance will pay.  I am an adjuster and we pay these claims when there are obvious signs of rot and if the owner of the property knew of the problem.  If it is a healthy tree and there was no way of preventing it on your landlords part, he is not liable. Good luck.
164370
I don't know if the laws vary according to where you live, but as a rule, the landlord is not responsible for your personal property. That's why they have "renter's insurance". If you don't have it, then you're out of luck.\nUnless the fire was caused by poorly maintained wiring or some such thing. Then you may be able to take him to court and sue for your loss.
1071868
Nothing can top your story. \n\nIt kills me when I hear about one of our stores being vandalized, especially when they gain, say $200-$300 and it costs us thousands to restore the air conditioning.\n\nOh, one that really got to me was batteries were stolen from vehicles and they damaged the hoods and cut cables to get them. We had to replace batteries, cables and repair hoods!\n\nI guess it would be easier for me if all we had to replace was the cost of what they gained.\n\n(insurance, yeah, yeah, blah blah -- premiums too!)
663410
Take your loss adn move on. Whatever your suing for will cost you more money in small claims court than you can get out of a company that went bankrupt. sorry
995890
You might be able to have a professional back up some of your C: (Just parts) but other than that, you need to put in the installation cd. This will how ever destroy everything.
1090567
Yes, you could, if you made sure you weren't breaking local and state fire laws, air pollution laws, took responsibility for the remains (which are still yours, and thus your responsibility), and didn't break any laws regarding the proper disposal of automobiles or toxic substances.  In addition, you can't use your insurance, as this would be fraud (you torched it).\n\nThere may be other laws to consider, but you could always donate it, even to a movie maker for destruction by fire!
726875
i work for a major insurer so think i can help...... poor workmanship is not covered.. its an exclusion on your policy.... its up to your insurers and the cover you have provided if they decide to cover the internal damage :-) If you have accidental damage cover on your policy, they usually will.. If the windows have been poorly installed... you should be looking to the window company to deal with both the windows and the resultant damage that the event has caused\n\nMaintenance issues are also a no no.... it is your responsiblity to make sure that your property is kept in reasonable condition.... if you think about it... if insurers covered maintenance issues... everyone would be ringing them to get their houses re-decorated etc..... thats not what insurance is for...... its for protection against unforeseen events... if you need more advice,,, drop me an e-mail
373938
YES!  as long as you paid the rental company for the deductible on the last accident and made sure that was all taken care of...your all set.....Good luck to you!  Been their done that...as a matter of fact...Enterprise sends me free rental upgrades all the time since I wrecked one of theirs.
633867
No, you are not breaking any laws by doing that. Just make sure that in your description you list the items that are in it...ex. Milkbone Dog Biskits.  As far as the candles...make sure that you package them properly and you won't be responsible if their house burns down (include all warnings).  The bad part about your own business is that even if you include a label saying your company can not be held liable for things...it won't hold up in court unless the person has signed a paper agreeing to it (which isn't likely to happen seeing as the basket would more than likely be for someone other than the person who bought it).  I suggest you contact a small business lawyer before opening your business to make sure you have done everything on your part that you can to protect your business.  Good Luck.