Home Owners Insurance and Trees – You Love Them Your Insurance Company Hates Them

Coverage for damage caused by trees and for the trees themselves is one of many confusing areas of a Homeowners insurance policy.

Your neighbors’ tree falls and damages your garage, shed and fence.

Will insurance pay for the damage?

Whose insurance should pay?

What will they pay for?

A tree falls in your yard.

Will your insurance policy pay for it to be removed?

Will it pay for a new tree?

A tree limb breaks from wind or a lightning storm and is dangling over your house.

Will your insurance policy pay for it to be removed?

What if it’s hanging over a neighbor’s house?

A tree falls on your car.

What policy will cover the damage to my car?

Is there coverage for the tree removal?

First, the basics; it does not matter whose tree it was. If there is damage to your property (from anyone’s tree) your insurance policy is the one to respond. If there is damage from your tree to a neighbor’s property, their insurance policy is involved. If there is damage to both properties (from anyone’s tree) both policies will be involved and each will deal with its own property only.

The only time a Homeowners insurance policy should be involved with damage to someone else’s property is if there is liability involved. That is if the tree was rotten or leaning and should have been removed or trimmed prior to the damage occurring. Even then the damaged properties insurance policy will generally pay for their customer’s damage and then try to recover their money from the tree owners’ insurance company.

Second, the important consideration for coverage is; what is physically damaged. If a tree, or portion of a tree, falls and does not damage any real property there is no coverage. Real property is any building, structure or contents item it does not include land, landscaping or plants of any kind. A fence, shed, patio, driveway, swing set or bicycle would count as real property.

If a tree falls into your yard and does not cause any damage to the home or any other real property then there is no coverage to remove the tree or for any cleanup. Sorry!

If there is damage to anything such as a fence then the policy should cover repairs or replacement of the damaged item(s) and also limited coverage for removal of the tree. To make this even more confusing; the tree removal coverage is divided in 2 phases.

Phase 1: Getting the tree removed off of the real property is covered with no sub-limit. That is if a tree is on a storage shed then the first stage of tree removal is to remove it off the shed so repairs can be made. The only limit for this part of the removal is the coverage limit on this section of your policy; in this case the Other Structures coverage.

If the repairs to the shed and the tree removal combined are greater than the

Urdu – The Language Of Pakistan

Urdu is part of the Indo-Aryan group, which is a subgroup of Indo-Iranian Languages. The language itself is a hybrid of Turkish, Persian, Pashto, Arabic, Sanskrit and Hindi. The biggest influences are from the Turkish and Persian languages, followed by Arabic and Sanskrit. Urdu is very similar to Hindustani (commonly referred to as Hindi). Hindi has a greater Sanskrit influence as opposed to Urdu, but Urdu and Hindi speakers can communicate easily with little effort.

Urdu is pronounced "Or doo" which means Army or Hordes; This language was created in the Indo-Pak sub-continent around 1000 years ago, when soldiers speaking different languages ​​like Turkish, Arabic, Persian, Sanskrit, Hindi and other local languages ​​combined together in arms of the rulers of India during those time. This is the times when the Aryan invaders from central Asia came and conquered large territories of India. These were the Moghul rulers who came with Turkish cavalry passing through Afghanistan and into India; Recruiting soldiers from the areas they passed through. Since then, there were so many languages ​​spoken within this army that a new language evolved. With its roots in the army barracks, it came to be known as Urdu. The first Mughal ruler was Zaheeruddin Baber and when he attacked India he had ten thousand Turkish Cavalry sent to him from the Ottomans. Baber's army was predominately Persian speaking, with a large group of Pashto speakers who combined with Turkish speaking cavalry before they attacked India. Over the years Urdu evolved in the barracks of these soldiers and eventually found its own being stolen in most parts of the Moghul Empire, especially by the Muslims and often in the Moghul courts, where Persian was spoken.

Urdu is very close to Hindi and the grammar is almost exactly the same. Urdu uses the Persian script with a few additions to cater for the phonetics of local languages. The script is also referred to as Nastaliq style, which is really the Perso-Arabic script. It is written from right to left unlike the Roman script which is written from left to right.

Urdu is spoken by over a 100 million people as a first or second language. Urdu is the National language of Pakistan and one of the 23 official languages ​​of India. The official language of Pakistan is English, but Urdu is also used officially by the Law enforcement agencies and local governments. It is also spoken broadly in parts of Afghanistan and Bangladesh. Urdu speakers are also found in Europe, USA and the Middle East. It spread in these regions as people increased to these parts looking for work.

Urdu has four main dialects Pinjari (Pin Ja ree), Rekhta (Ray kha ta), Deccani (Duck nee) and Khairboli (Khai Boalee). Pinjari, Deccani and Rekhta have almost disappeared, but most probably merged with the modern day accent which is Khairboli. Rekhta had the highest Persian influence, followed by Khairboli and Deccani. Rekhta is the language of Urdu poetry and is there considered a dialect. Khairboli is …

RV Spring Preparation Checklist

Your RV has been sitting idle over the winter. Now the early signs of spring are here and it’s time to take it out of storage and prepare the coach and chassis for this years camping season. If you’re like me, you want to have some type of logical sequence to follow rather then haphazardly checking the unit out. I made a simple checklist to use so that nothing is overlooked. I prefer to do the majority of spring preparation myself. If you’re more comfortable having someone else do it you can schedule an appointment with a reputable RV service center to have it done.

* Depending on how your unit was winterized it will need to be de-winterized. If you used non-toxic RV antifreeze you need to run fresh water through the entire system until all traces of antifreeze are gone. To remove it from the 12-volt water pump add water to the fresh water-holding tank, turn the pump on and open all water faucets. When the antifreeze is out of the system turn the pump off and take the water heater out of the by-pass mode (if applicable). Re-install any water filter cartridges you removed for storage.

* At this point I like to sanitize the water system. Make sure all of the drains are closed and drain plugs are installed. Take a quarter cup of household bleach for every fifteen gallons of water your fresh water tank holds. Mix the bleach with water into a one-gallon container and pour it into the fresh water holding tank. Fill the fresh water holding tank completely full of water. Turn the water pump on and open all faucets, run water until you smell the bleach. Close the faucets and let it sit for at least twelve hours. Drain all of the water and re-fill the tank with fresh water. Turn the pump on and open all faucets until you no longer smell bleach. It may be necessary to repeat this process to eliminate all signs of the bleach.

* With the water system under pressure inspect for water leaks. Check the operation of the toilet.

* Wash the unit thoroughly. This is a good time to inspect the roof and body seams, and window sealants for cracking that would allow water to get in. Consult a dealer for sealants compatible with these materials.

* Inspect the operation of the awning and clean the awning fabric as required.

* Inspect the tires for signs of dry rot. Inflate all tires to the recommended COLD tire pressure.

* Lubricate all hinges and locks with spray lubricant.

* Remove any tape or protective covering you may have put over LP gas vents to keep insects and rodents out. Check any mousetraps you may have put out. Open all doors and compartments and check for rodent intrusion and water damage.

* Inspect and clean the interior.

* Plug in any appliances that you unplugged for storage and replace any dry cell batteries you may …

Advantages Of East Facing House Plans

Are you planning of constructing a house? While there are many house plans that you can go with, not all of them are ideal for you. One of the best plans that you should consider is the east facing plan.

Benefits Of East Facing House Plan

There are a number of benefits that come with an east facing plan. Some of the benefits include:

Sunlight: since the sun rises from the east, it means that your house will be receiving a lot of sunlight during the early morning. This will reduce your energy bills as you don’t have to leave the lights on if you wake up early.

Health: researchers have shown that the morning sun is always the best. Since your house will be facing east, you will be getting the most from the beneficial morning sun.

Tips To Consider When Designing An East Facing House Plan

For you to design a perfect east facing house you need to put a number of tips into consideration:

Plenty of space on the east: as an architect you need to leave enough space in the east. This is the space that the people in the house will be using to bask during the early morning.

Short east compound wall: to allow plenty of sun into the building, you should ensure that you don’t cover the house with the compound wall. This calls for you to construct a wall that is much shorter than the house. To leave enough space on the east side you should ensure that the main gate faces northeast.

Have a verandah: when designing the house you should ensure that the house has a verandah on the eastern side where the owners of the house can sit and enjoy the healthy morning sun. You can design a sloping verandah; however, you should ensure that it doesn’t face west.

Clutter free: to avoid obstructing positive energy you should ensure that the space on the eastern side is clean and clutter free. This calls for you to remove any heaps of soil, stone or garbage that might be there. You should also ensure that the house doesn’t have any elevated land. The floor should be less elevated than the center room.

If there’s a road running in front of the house you should ensure that it’s lower than the plot.

Conclusion

These are the advantages of an east facing house plan. If you are interested in an east facing house, ensure that the plan is designed by a professional architect.…

Parents – Try Not To be Your Children’s Drill Sergeant

A parent can be many things to their children – legal defence, doctor, teacher – but one personality we would do well to avoid is the Drill Sergeant.

We can be the Drill Sergeant when we come round for living quarters inspection, when we bawl them out for chores that haven’t been done, when we take the approach that they need to be “toughened up” for the big bad world. We can be the Drill Sergeant when we hold on to the belief that children need to earn respect.

The truth is, we don’t need to bark orders at them. Children don’t need to earn our respect. If parents treat children with respect right from Day One the children will respond to it. Parents don’t need to toughen children up for the battleground of life. Children will find out for themselves soon enough that life can be tough, and when they do, they will know that the family home is the safe haven they can fall back in to.

There are many areas that parents can fall into the trap of assuming the role of the Drill Sergeant, for example:

Housekeeping, Homework, And Hard Cash

Housekeeping

Parents get quite wound up when they feel that their child is not pulling their weight when it comes to housekeeping. To a certain degree, this is understandable when it comes to the house in general. Parents have every right to expect their children to tidy up after themselves – pick toys up off the ground, put shoes away, hang coats up.

The difficulty arises over the bedroom.

Problems can be avoided very easily. Is the house ours and the child is staying in one of our rooms? Or is the house the family home and the bedroom is theirs? If we have opted for the first, then we can by all means clamp down – but we are aware that it might well create tension. If we have decided on the latter, then let them be. It’s their bedroom, let them do what they want with it. Do they want to decorate it? Let them decorate it. Are they tidy or untidy? That’s up to them, and it’s up to us to try our best to put up with it. Keep the door shut if it upsets us too much. And refrain from such statements as, “Well if you were tidier you might not lose things!” That’s the Drill Sergeant coming out.

And, also…Keep Out! Privacy is something we all have a right to. If we want to teach our children anything, teach them that: We Respect Your Privacy. Access to the bedroom is by invitation only. Just because we might allow full access to our bedroom doesn’t make it a house rule. And the likelihood is, we don’t even allow that.

Homework

From the earliest opportunity, let them know that homework is their responsibility. It is between the child and the teacher. And let them do their homework their way. They will …

What Are the Top 6 Must Have, Most Popular Board Games?

Have you ever stopped in a toy store or gift shop to buy a present and been completely astounded by the aisles after aisles of board games piled up mountain high? With so many board games in existence, it is nearly impossible to find the perfect one with little time and cornered by the never-ending options. With that in mind, we have compiled a list of the best of the best; the top 6 board games that are must-haves for any household. If you have been on the constant search to find a board game that is fun and enticing, then our list of the Top 6 Must Have, Most Popular Board Games is the ultimate resource to quench you board game needs!

The Top 6 Must Have, Most Popular Board Games:

o Monopoly- I’m sure that there are probably less than 10 people in the world that haven’t ever heard of the classic board game, Monopoly. Monopoly is the classic game of real estate and the banker. Players of young and old try to race around the board, buying as many properties as they can and collecting fines from others that land on their claimed properties, all while trying to earn as much money as possible. The player who has earned the most money by the end of the game is declared the winner of that match of Monopoly, but with the game being so addictive that title is usually quickly challenged in hours of follow-up games and re-matches! Monopoly is the perfect game for all types of people and can be enjoyed by both young and older generations, with the help of many different versions of the game, including ‘Star Wars’ versions, popular cartoon versions, special animal versions, deluxe versions, and much, much more for more hours of Monopoly fun!

o The Game of Life- What game is better than one about your own life? The Game of Life is a game in which you travel around the board in a tiny plastic car on the main road of your life. You literally experience all the stages of life right at your kitchen table! Players are given a job and a salary and try to maintain a high fortune after being put through all the joys and troubles of life, such as having children and paying for their education. At the end of the game, each player is led to the retirement home of their choosing in order to count up all the money that they have accumulated throughout The Game of Life. The player who is the richest wins the game! This board game is perfect for any group of people, young or old, who would enjoy having a laugh out of what this board predicts will occur throughout their lives!

o Scrabble- Enjoy using the English language to create long, exotic words out of random letters and scoring points for it? If so, than this game is perfect for you! In Scrabble, players gather around a …

Type 2 Diabetes – Never Stop Working on Your Health

You may think if you put work in on your health today, you will save yourself from a lot of stress and anxiety later in life. Putting a stop to health problems now is not only prudent; it is ideal. It is true prevention is more important than treatment. With that said, do not let these thoughts lead you to believe you will not have to work on your health in the future because that would be a mistake. The work is never complete. There will always be something you should be doing or could integrate into your lifestyle for improved health. It may not always be hard, but we can assure you it will not always be easy.

Sometimes the truth hurts. However, it is infinitely better than being fed sugar coated advice or stories. The sooner you accept reality, the quicker you can make sense of it and focus on actionable plans. On that note, you must focus on what you can do today. If you know you have health issues, then it is not without reason…

  • are you above a healthy weight? Start taking weight loss seriously.
  • do you have high blood sugar? Start making better food choices, in and out of the kitchen.
  • cardiovascular issues? Following a diet plan with the guidance of a professional will help,

not to mention making changes elsewhere. There is a good chance if you are dealing with more than one health problem there will be some overlap between them. When there is an overlap of health issues, weight loss, diet, and physical activity are prominent mentions in many health discussions. These are not only the problem areas for many people – but they also offer solutions that can be acted on to bring about change.

Moreover, let us say you have been diagnosed with Type 2 diabetes and have struggled with losing weight and stabilizing your blood sugar for years and have finally had enough. You have decided to work on your health to reverse your condition. If all goes well, you will bring your blood sugar levels back to an ideal range within a year. How much time is required will vary, but one year is certainly not an unreasonable plan.

Once you have recovered, the work is not over. You must continue to…

  • eat healthily,
  • watch your weight,
  • exercise, and
  • monitor your blood sugar regularly.

If you are not careful, you could end up back where you started. The same principle applies if your primary goal is weight loss and changing your physique. If you care about your well-being, you will never stop working on your health. It is what it is.

Lastly, don’t worry about what is involved – there will still be work for you tomorrow despite what you have done today. But this is no reason to be despondent – by always working on your health you will be benefitting your well-being in priceless ways. Remember: there is arguably nothing more precious than good health.…

Wooden Baby High Chair Pads

High Chair Pads are very much in demand as high chairs are accessories that most parents could probably not do without. These may not be as glamorous as many other accessories for babies, they are however used by millions of parents several times per day.

Furthermore, there is nothing out there can serve as a replacement for the wooden high chair in terms of convenience. Apart from being used to feed the baby several times each day, they are great for letting the baby sit in the kitchen and chat to the mother while she can go on with her tasks. This allows the mom the ability to get things done without worrying about the baby getting into some kind of trouble.

The front part of the device serves as a great double up for the baby to play with his or her toys. Today these chairs have space age type style and the trend seems to be moving away from the traditional wooden style. Some big companies have developed novelty chairs that now include attached toys.

While there may still be food on the floor after baby has been fed, there should be less than if there was no chair in the first place. The chair will also take the baby off ones hands to enable one to move around during the process. Parents looking for these should lookout for certain features. After that parents can select the chair according to their preferences.

Discount stores should be the first port of call when looking for one of these. One should even be able to find wholesale prices if one looks hard enough. When going to the store the baby should go with the parents to see how the baby fits into the chair.

Some chairs have a snug fit to minimize the spilling of food. High Chair Pads are needed when the current pad gets damage by being torn. When washing these read the instructions as some can be washed in a machine while others just need to be wiped.…

Have a Fairytale Gazebo Wedding with a Wedding Gazebo

Your wedding is one of the most special days of your life. It is a day for you to feel like a princess in a fairytale. One of the best ways to create this magical atmosphere is with an outdoor garden wedding. And for the centerpiece of your wedding, among the beautiful flowers and decorations of nature, is a beautiful wedding gazebo.

A wedding gazebo can set the stage for a wedding as a beautiful decorative structure that is part of the ceremony. For an outdoor garden wedding, a wedding gazebo is about the only decoration you will need since the beautiful flowers surrounding the area create natural décor. Many wedding gazebos are made of wood and are often painted in white, which is very complimentary to the attire of the bride and groom.

A wedding gazebo also serves as a platform for beautiful pictures and the place that you will say “I do”. One of the problems people sometimes have with outdoor weddings is the fact that the bride and groom are on ground level along with everyone else. This often makes it difficult for guests to see the ceremony when it is taking place. By having the bride and groom on the wedding gazebo, they are elevated above everyone else, making the wedding a more meaningful and enjoyable experience for friends and family.

If you are looking for a way to bring a fairytale atmosphere to your wedding, consider having an outdoor wedding with a wedding gazebo as the centerpiece. It will be one of the best days of your life that you will always cherish.…

Ways to Save Money on Household Bills

Household expenses are an issue that any family deals with, and if for some it might not cause inconveniences, others have it more difficult to juggle their monthly budget in order to keep up with their bills. If you want to save money and reduce your bill costs, learning a few tricks will probably come in handy. Here are a few useful tips on the subject, which can help you lower your expenses and fit within your monthly budget without worries:

Insulate your house

One of the major expenses of a household usually revolves around energy consumption. Because you probably desire to live in a comfortable indoor environment, turning your heater or air conditioning system up until you reach the desired temperature probably happened with regularity. Well, without having an energy efficient home, you expenses can skyrocket, especially during harsh days of winter. So, what could you do to make your home more energy efficient, and thus save money on heating or cooling costs? Well, a great solution would be to insulate your house with a proper material. By replacing a faulty and old insulation with a more efficient one, such as spray foam, you can cut down on energy costs significantly. The indoor temperature of your home will be kept at a comfortable level, without relying solely on the heating or cooling system. Drafts and air leakages, which are usually the causes of an unbalanced indoor temperature, will no longer be a problem. Moreover, besides energy saving considerations, an insulation project comes with other benefits as well, such as functioning as a barrier against noise pollution, or preventing mould growth. However, even if insulating your home is so beneficial, in order for you to truly receive everything this home project has to offer, make sure to hire only specialists for the job.

Check if windows are energy efficient

Besides an improper insulation, another issue that often triggers energy losses are old windows. If the windows of your home are not in an optimal condition, dealing with drafts on a regular basis is normal, leading thus to an energy loss. If you research the topic, you will find out that drafty windows can cause energy bills to be even 25 percent higher, and in the long run, this is quite a large amount of money you are losing. Inspect each window of your property and see if any of them needs a replacement or repair.

Search for deals on maintenance services

Each household faces the need of hiring professionals from time to time for various maintenance needs. You either have a plumbing system malfunction, or your house needs to be checked for mould – regardless of what services you might require on a regular basis, make sure to search for the best deals. If you look online for coupons or special offers, you might save more money than you have thought, reducing your overall household expenses.

Cut back on extras

Try to make a list of every monthly bill you …