Insurance

10 Important Questions to Ask Your Construction Company

We all are well aware of the fact that building a new home or to remodel the old is hugely emotional and financial decision. So if you are planning on such a huge investment in your life, there are few question you need to ask before selecting a construction company. Read this piece of writing before choosing among the given choice of contractors to have the best man for the job. Also check out: Edina, Minnetonka, Wayzata and Eden Prairie Custom Homes and Remodeling.

What would be the schedule?

The schedule is not all at the start and the end time in a project. In fact, the schedule will be a borderline that will determine the timing of all the task and give a tool to check the progress of the project.

Who is going to supervise the project?

Well, it is the most crucial question in any construction project. As the supervisor is the only person who will make sure the timely completion of the project with quality. So ask your construction company about the person and his complete professional history of handling the projects.

What protection measure you will use?

Asking the question regarding the protection measure would be wise. It will give you an idea regarding the practices used by the company to get rid of the demolition mess. Moreover, you have to take into consideration that fact that use of heavy machinery is going to affect the other parts of the house.

What would be the mode of communication?

Although there is various mode of communication available nowadays. Still, you have to talk this out about the construction of what kind of communication they will use to communicate? All this is important to get the information regarding the progress of the project and if there are certain issues arise.

What is the concerning part of the project?

Well, there is always some part of the project who stir concern. It would be advisable to talk out that part of the project before starting the construction to avoid future issues.

How will they handle the change order? A change order is common in all kind of construction projects. Sometimes the price of eh project needs to be changed but most of the time it is the schedule and other things that need the change order. So how is your construction company going to handle the change is the significant question.

How am I be able to make a decision?

Well, you decided to construct or remodel the home already. It is time to ask your contractor how is he going to communicate to you if you need to make a decision? There are several methods to assist you in your decision making including spreadsheets, to-do list etc. however, you have to first talk about the way in which you will be provided by the material and when to make a decision?

How to contact the contractor after hours?

As we all admit that for the timely communication and speeding up the process the construction company must have the owner’s emergency number. But the same rule applies to the contractor. You have to exchange all your numbers including phone, landline, and fax so that there left no hindrance in communication.

When do we meet?

Apart from the weekly meeting, there would come several events where you need to be present on the site for inspection or choosing the best option. So discuss with your construction company at which event they are going to need your presence?

What would be the end of project paperwork?

Confirm the fact that you are going to receive all the important documents associated with the project including lien releases, copies of inspection, mark up plans etc.

Having asked all the above mention question to your construction company will help you to envisage the project and to complete it on time.

 

Scam Insurance Plans

Scam insurance plans often take advantage of consumers during economic downturns. Lately, so-called “associations” have been marketing phony health insurance plans. Before you buy insurance, make sure it is licensed in your state. To check on a policy, contact your state insurance department. You can find the phone number online on the website of the National Association of Insurance Commissioners. Just run your mouse over your state and a box will show you the name and contact information for your state’s commissioner. Also, check out healthcare.gov to learn about your insurance options.

For more information about scam health insurance plans, see the resources listed below:

Note: If you bought a policy through American Trade Association, Smart Data Solutions, or Serve America Assurance and you have outstanding claims, you should contact your own insurance department and also contact the liquidator. Although the deadline for filing timely claims with the liquidator has passed, you can still file a late claim (however, late filers are less likely to get their claims paid than timely claimants).

 

Timeline of State Actions against
American Trade Association, Smart Data Solutions, and Serve America Assurance

 

Date State Action Order No.
5/16/2008 North Carolina Emergency Cease and Desist D-1417
11/28/2008 North Carolina Final Cease and Desist 1417
2/20/2009 North Carolina Final Agency Decision and Order 1417
6/5/2009 New Jersey Consent Order E09-31
7/23/2009 Ohio Cease and Desist 13108
8/27/2009 Indiana Emergency Cease and Desist 7543-AG08-1031-272
8/27/2009 Connecticut Consumer Warning
8/27/2009 Connecticut Cease and Desist CA-09-72
11/9/2009 Oklahoma Emergency Cease and Desist 09-1544-UNI
12/14/2009 Michigan Cease and Desist 09-7339
12/17/2009 Arkansas Consumer Alert
1/7/2010 Washington Cease and Desist 10-0001
1/8/2010 Oklahoma Notice of Violation of Cease and Desist 09-1544-UNI
1/28/2010 Arkansas Emergency Cease and Desist 2010-013A
2/1/2010 Missouri Order to Show Cause 10-0115057C
2/8/2010 Kansas Final Cease and Desist 3966-SO
2/9/2010 Illinois Cease and Desist 10-HR-0153
2/19/2010 Florida Cease and Desist 106845-09
2/25/2010 Tennessee Emergency Cease and Desist 12.04-106577J
3/10/2010 New Mexico Consumer Alert
4/9/2010 Maine Emergency Cease and Desist INS-10-207
4/15/2010 New Hampshire Cease and Desist INS. No. 10-026-EP
4/15/2010 Texas Emergency Cease and Desist 10-0301
4/27/2010 Mississippi Cease and Desist Notice issued by MID
5/3/2010 Nebraska Cease and Desist I-82
5/7/2010 Montana Temporary Cease and Desist INS-2010-01
5/11/2010 South Carolina Emergency Cease and Desist 06-0795
5/14/2010 Maine Final Cease and Desist INS-10-207
5/20/2010 Tennessee Final Order of Liquidation 12.04-106577J
5/25/2010 Maryland Cease and Desist Order MIA-2010-05-38
6/7/2010 Louisiana Cease and Desist
6/24/2010 Florida Final Cease and Desist 106845-09
2010 Massachusetts Consumer Alert
2010 Delaware Cease and Desist 1344-2010
7/20/2010 Oregon Cease and Desist INS 10-06-005
7/20/2010 North Carolina Emergency Cease and Desist 1548
8/9/2010 New Hampshire Final Cease and Desist 106845-09
9/21/2010 Missouri News Release, companies guilty, fined 10-0115057C