FREE REPORT. From Homestead Roofing, Inc. The 5 Things Every Homeowner In Colorado Springs Should Look For In A Roofing Company

Size: px
Start display at page:

Download "FREE REPORT. From Homestead Roofing, Inc. The 5 Things Every Homeowner In Colorado Springs Should Look For In A Roofing Company"

Transcription

1 FREE REPORT From Homestead Roofing, Inc. The 5 Things Every Homeowner In Colorado Springs Should Look For In A Roofing Company There are some really good roofing companies in Colorado Springs. Unfortunately, there are also some that are just "scammers" or "storm-chasers." Having lived in Colorado Springs nearly all my life and having worked in the roofing industry, I've seen all kinds of roofers as well as the victims of the bad ones. Here are a few examples of why you should be looking for these 5 things in every roofer. 1. Charles lives in Black Forest and was approached by a roofing company. They said he needed his roof replaced so he called his insurance company. The insurance company agreed that the roof needed to be replaced so sent him the first of two checks to pay for the repairs. At the insistence of the roofer, Charles signed over the first check to them, and then never saw them again. He lost the money the insurance company sent him, and was stuck with a roof that still needed replacing. Unfortunately, the insurance company won't send you a replacement check if something like this happens to you. The same thing happens every year in El Paso County to dozens of people. 2. Sally is a homeschooling mom and foster care parent. She was at home one day with several children when a roofer knocked on her door and asked, Do you want me to inspect your roof for hail damage? Sally agreed to let him on the roof, so he took out a sheet of paper and asked her to sign it. Sally assumed that it was a consent form to let him

2 on the roof, when in fact, it was a contract obligating her to let that company replace the roof if the insurance company paid for the work. Scores of people are tricked into this scam and then are threatened with a lawsuit if they try to get out of the contract. 3. Recently in Colorado Springs a roofing contractor hired a sub-contractor to do a roof replacement. They agreed that the sub-contractor would be paid under the table. During the project, the sub-contractor fell off the roof and broke his back. Neither he nor the contractor had workmen's comp insurance. The nightmare could just be beginning for the homeowner because he could face the liability for the medical expenses for the sub-contractor a cost that could go as high as $500,000! 4. In June, 2012, Colorado governor, John Hickenlooper signed into law SB38 which prevents roofers from paying, deducting, waiving, discounting, or rebating, in whole or in part, the homeowner's insurance deductible, yet many roofers are still offering to do this for their customers, thereby committing, and encouraging the homeowners to commit insurance fraud. These are just a few, brief examples of how homeowners can be misled or ripped off when trying to choose among the hundreds of roofing companies that show up after a major storm in Colorado Springs. What can you do to protect yourself? Here Are The 5 Things Every Homeowner Should Look For When Needing Roof Replacements Or Repairs: 1. A Money Back Guarantee That's right! Make sure that your roofer is not asking you to trust him with your money and your home - your biggest investment. Make sure that your roofer is committed to making sure that you love your roof and if you don't, you get your money back. When you're faced with trying to choose a roofing company, how can you know who you can trust? If a contractor is willing to guarantee his work by offering your money back, he's saying that he is not asking you to trust him but that he will trust you. Therefore, all the risk is removed from your

3 side of the transaction. A roof can be a considerable cost for a homeowner. You don't want to risk a bad roofer botching the job and then taking off with your money. Make sure to get it in writing: "You'll love your roof or your money back!" 2. The Company Is Fully Insured Remember the story above about the roofer who fell off the roof and nobody had the proper insurance to cover the medical expenses? Guess who could be liable for the expenses? It could be the homeowner, or the homeowner's insurance company! Make sure to tell your roofer that you want to see his proof of general liability insurance AND workers' comp insurance and the insurance certificates for any of his sub-contractors. Do your research before you hire a contractor. 3. Make Sure The Roofer Is Not Asking For Money Up Front In many instances, this is a legitimate request from a company because it protects their interests, so why do you want to do this? Don't forget about Charles, who gave his first insurance check to a roofer and then never saw him again! Any reliable contractor is able to afford to buy the materials without asking for money up front. Remember, you don't want to, or need to, have any risk when hiring a roofing contractor. Don't offer to give any deposits until you have materials stocked on the roof so that you know you've gotten something for your money! Look for ways that you can eliminate your risk in the transaction. Keeping your deposit money until your contractor has shown a tangible commitment to you and your roofing project is a great way to do this. 4. The Contractor Shouldn't Ever Pressure You Into Signing A Contract Remember the story above about Sally? When the insurance company agreed to replace the roof, Sally didn't want to use the company that did the inspection, but she had signed their contract. When she told them she wanted to use a different company, they threatened her with a lawsuit. Sally eventually was able to get them to release her from the contract, but not until they had tried to intimidate her with several tactics. Make sure that any roofing contractor or salesman you talk to doesn't try

4 to get you to sign a contract without giving you the opportunity to spend time thinking, discussing, and researching. If they do try to pressure you, find another roofer. 5. Make Sure That Your Contractor Is Following The Law! In June, 2012, Colorado passed law SB38 which governs how a roofing contractor can handle paying a deductible for a customer, as well as other details, too. Roofing companies may no longer offer to pay, waive, discount, or rebate a deductible for a homeowner in Colorado, and they have to clearly state that on their contract. While it may be much more convenient for a homeowner to have a roofer pay the $500 or $1000 deductible for him, that violates the law if the roofer does it. In fact, there are still roofing companies in the Colorado Springs area that have offers on their websites offering to pay rebates or discounts for their customers so the customer won't have any out-of-pocket expense associated with the roof replacement. Ask yourself this question, If my roofer is willing to cheat the law in order to get a sale, will he also be dishonest with me? These are just a few tips for homeowners to help them navigate through the sea of roofing contractors in Colorado Springs. There are a few hundred roofers in the area normally, but when a major storm hits, the county gets flooded with storm-chasers. These are companies that come in from out-of-town just to cash in on the abundance of insurance claims. Storm-chasing companies are the ones most likely to cause problems for homeowners, so do your research before signing anything. Most importantly, follow the advice of the Colorado State Attorney General, who says you should never let someone in, or on your house who comes knocking on your door. Your best bet is to stay away from door-knocking roofers and contact someone you trust. You can also contact your local insurance agent and ask for his or her recommendations. Local agents normally have a few local roofers that they trust and can give you the contact numbers so you can call them and ask them to

5 inspect your roof. If you suspect that you might have roof damage, but don't know a trust-worthy roofing contractor to call, you can call Homestead Roofing, Inc. at Our opinions are always honest, and we'll give you not just a free roof inspection, but a roof evaluation with a full report that contains several different files you can keep for your insurance purposes. It would be an honor to serve you and your family. Tracy Bookman, Owner, Homestead Roofing, Inc.

Homeowners Beware! Home Repairs

Homeowners Beware! Home Repairs Homeowners Beware! Home Repairs HOMEOWNERS BEWARE! HOME REPAIRS Be especially careful to avoid home repair scams. When home repairs are needed or when disaster strikes, many dishonest contractors and people

More information

Home Renovations and Repair

Home Renovations and Repair Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any

More information

HOME IMPROVEMENT. www.ohioattorneygeneral.gov

HOME IMPROVEMENT. www.ohioattorneygeneral.gov HOME IMPROVEMENT www.ohioattorneygeneral.gov Ohio Home Improvement Ohio law protects consumers who hire contractors for home improvement projects. Here are some tips for protecting yourself when entering

More information

FAQ - Hiring a Residential Building Contractor Page 1 of 6

FAQ - Hiring a Residential Building Contractor Page 1 of 6 FAQ - Hiring a Residential Building Contractor Page 1 of 6 FAQ -- Hiring a Residential Building Contractor Questions about hiring a building contractor are important. Investing your time to find the answers

More information

LISA MADIGAN. Home Repair and Construction

LISA MADIGAN. Home Repair and Construction OFFICE OF THE ATTORNEY GENERAL STATE OF ILLI NOIS LISA MADIGAN ILLINOIS ATTORNEY GENERAL Home Repair and Construction If you are like most Illinoisans, your home is your most valuable financial asset.

More information

HOW TO LOWER YOUR GENERAL LIABILITY INSURANCE BY THOUSANDS OF DOLLARS! AN INSIDER'S GUIDE TO GETTING THE BEST POLICY AT THE LOWEST PRICE AVAILABLE

HOW TO LOWER YOUR GENERAL LIABILITY INSURANCE BY THOUSANDS OF DOLLARS! AN INSIDER'S GUIDE TO GETTING THE BEST POLICY AT THE LOWEST PRICE AVAILABLE HOW TO LOWER YOUR GENERAL LIABILITY INSURANCE BY THOUSANDS OF DOLLARS! AN INSIDER'S GUIDE TO GETTING THE BEST POLICY AT THE LOWEST PRICE AVAILABLE If you are a small contractor, you or your wife have to

More information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company name] Discover all of your options [Pick the date] Find the solution or

More information

Credit Card Processing Buyer's Guide By the purchasing experts at BuyerZone

Credit Card Processing Buyer's Guide By the purchasing experts at BuyerZone Introduction When Western Union first gave charge cards to their best customers in 1914, no one would have guessed that over $2.56 trillion would be charged in the U.S. alone in 2008. As ubiquitous as

More information

Heading H I V. and Discrimination YOUR LEGAL RIGHTS HIV AND DISCRIMINATION 1

Heading H I V. and Discrimination YOUR LEGAL RIGHTS HIV AND DISCRIMINATION 1 HIV AND DISCRIMINATION 1 Heading H I V and Discrimination YOUR LEGAL RIGHTS UPDATED FEBRUARY 2013 published by: AIDS Legal Council of Chicago 180 North Michigan Avenue, Suite 2110 Chicago, Illinois 60601

More information

White Paper Evaluating and Comparing Personal Liability Insurance Policies

White Paper Evaluating and Comparing Personal Liability Insurance Policies White Paper Evaluating and Comparing Personal Liability Insurance Policies www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity

More information

H I V. and Insurance YOUR LEGAL RIGHTS HIV AND INSURANCE 1

H I V. and Insurance YOUR LEGAL RIGHTS HIV AND INSURANCE 1 HIV AND INSURANCE 1 H I V and Insurance YOUR LEGAL RIGHTS UPDATED MARCH 2014 published by: AIDS Legal Council of Chicago 180 North Michigan Avenue, Suite 2110 Chicago, Illinois 60601 (312) 427.8990 2 AIDS

More information

When you want to sell your house as-is, for a fair price, FAST

When you want to sell your house as-is, for a fair price, FAST When you want to sell your house as-is, for a fair price, FAST Property Solutions is your choice. We are local real estate professionals who buy houses. We are not Realtors - we don't want to list your

More information

to Avoid Remodeling, Repair and Construction Problems

to Avoid Remodeling, Repair and Construction Problems 16 Ways to Avoid Remodeling, Repair and Construction Problems BEFORE A PROJECT Finding and selecting a contractor Negotiating a contract DURING AND AFTER A PROJECT Avoiding problems Paying wisely Preventing

More information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market Solutions Home Buyers, Inc. 800-478-9213 ext. 700 SolutionsHomeBuyersFL.com How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company

More information

Beware! Consumer Fraud

Beware! Consumer Fraud STUDENT MODULE 9.1 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Consumer Fraud Alfredo s mom is at the door to meet him when

More information

Depending on the size and complexity of your project, you may choose to work with a number of different professionals:

Depending on the size and complexity of your project, you may choose to work with a number of different professionals: FEDERAL TRADE COMMISSION CONSUMER INFORMATION consumer.ftc.gov Hiring a Contractor Whether you re planning an addition for a growing family or simply getting new storm windows, finding a competent and

More information

Mortgage Guide and Helpful Tips

Mortgage Guide and Helpful Tips Mortgage Guide and Helpful Tips Dear Prospective Home Owner, Let me tell you that home ownership is one of the key ingredients to building wealth. Take any 100 people at the start of their working careers

More information

How to Choose the Right Credit Card Processing Company

How to Choose the Right Credit Card Processing Company How to Choose the Right Credit Card Processing Company How To Choose The Right Credit Card Processing Company If you're in business these days, you need to accept credit cards. The problem is, which type

More information

How to Create Winning Joint Ventures

How to Create Winning Joint Ventures How to Create Winning Joint Ventures Jim Ingersoll here with another segment on private lender financing and your private lending course. I'm excited to have you along. Now that you know why you want to

More information

Standard 9: The student will identify and explain consumer fraud and identity theft.

Standard 9: The student will identify and explain consumer fraud and identity theft. TEACHER GUIDE 9.1 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Consumer Fraud Priority Academic Student Skills Personal Financial

More information

C-SAVE. Scenario #1 Jake and the Bad Virus. The two major C3 concepts this scenario illustrates are:

C-SAVE. Scenario #1 Jake and the Bad Virus. The two major C3 concepts this scenario illustrates are: Scenario #1 Jake and the Bad Virus The two major C3 concepts this scenario illustrates are: Cyber Security: Jake compromised his computer s security by providing personal information to an unknown online

More information

Tips for First Time Home Buyers

Tips for First Time Home Buyers Tips for First Time Home Buyers Thinking about buying your first home? Andrew L. Jaloza & Associates will help you understand the process of home ownership so you can make informed decisions about your

More information

Home Loan Scams: Borrower Beware!

Home Loan Scams: Borrower Beware! Home Loan Scams: Borrower Beware! Home Loan Scams: Borrower Beware! 1. What are home loan scams? Home loan scams are unfair or misleading lending practices that can lead to you losing your home. Some lenders

More information

How To Buy Insurance For A Long Term Care Policy

How To Buy Insurance For A Long Term Care Policy Car Insurance How can I keep my car insurance costs low? The first thing to do is bargain shop to make sure that the rates you are getting are reasonable in comparison to other companies. Within the policy

More information

20 Essential Legal Tips to Know Before You Hire a Lawyer

20 Essential Legal Tips to Know Before You Hire a Lawyer 20 Essential Legal Tips to Know Before You Hire a Lawyer Ken LaMance, Attorney at Law Copyright 2000-2010 All Rights Reserved Contents Do I need a Lawyer? 1. Define your problem carefully before considering

More information

Surety Bond Tutorial by Lori Kieswetter

Surety Bond Tutorial by Lori Kieswetter Contract Surety Bonds Defined Surety Bond Tutorial by Lori Kieswetter A bond issued by a surety bond company on behalf of a contractor, guaranteeing that the contractor will complete a contract as per

More information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company name] Discover all of your options [Pick the date] Find the solution or

More information

What Is Predatory Lending?

What Is Predatory Lending? Predatory lending often starts with a phone call, mailing, e-mail, television commercial, or knock at your door. The home improvement scam is one of many tactics predatory lenders will use to convince

More information

Credit Repair Made Easy

Credit Repair Made Easy Credit Repair Made Easy A simple self help guide to credit repair By Don Troiano Introduction My name is Don Troiano and I spent over 15 years in the mortgage industry. Knowing how to guide customers in

More information

How To Know If You Can Get A Court Order To Stop Being Sued And Garnished

How To Know If You Can Get A Court Order To Stop Being Sued And Garnished Five minute guide to being sued & wage garnishment First, it is important to distinguish between actually being sued and having creditors threaten to sue you. The difference is important. We have seen

More information

IMPORTANT INFORMATION FROM YOUR LEGALSHIELD SM OF FLORIDA PROVIDER ATTORNEY

IMPORTANT INFORMATION FROM YOUR LEGALSHIELD SM OF FLORIDA PROVIDER ATTORNEY TALLAHASSEE OFFICE 725 East Park Avenue Tallahassee, Florida 32301 MAIN OFFICE Post Office Box 87 332 North Magnolia Avenue Orlando, Florida 32802-0087 1-800-591-7311(English) 1-800-591-7301(Spanish) Telefax

More information

You're Getting Divorced: Now What? By Tom Norton, CPA, CDFA

You're Getting Divorced: Now What? By Tom Norton, CPA, CDFA You're Getting Divorced: Now What? You've decided that your marriage just isn't working out, and that you need to get a divorce. It's not an easy decision, but it's one you feel you have to make. Or, your

More information

The Auto Liability Program Video Transcript

The Auto Liability Program Video Transcript Introduction Hi, I'm Ed Finnegan and I run the auto liability program for the State of Georgia. As a state employee, we have some information that will be beneficial and potentially save you money, time,

More information

How to Sell Your House Fast

How to Sell Your House Fast How to Sell Your House Fast If you are reading this report then you are interested in selling your house as fast as you possibly can. Usually this is because you are in foreclosure, are behind on payments

More information

10 Things You Absolutely Need to Know Before Getting Storm Protection for Your Home or Business

10 Things You Absolutely Need to Know Before Getting Storm Protection for Your Home or Business 10 Things You Absolutely Need to Know Before Getting Storm Protection for Your Home or Business Hurricane Shutters or Hurricane Impact Windows are the most important protection for your home or business.

More information

THE STATE BAR OF TEXAS. Just Hang UP. Protect Yourself From Unscrupulous Telemarketers and Con Artists

THE STATE BAR OF TEXAS. Just Hang UP. Protect Yourself From Unscrupulous Telemarketers and Con Artists THE STATE BAR OF TEXAS Just Hang UP Protect Yourself From Unscrupulous Telemarketers and Con Artists JUST HANG UP! Protect Yourself From Unscrupulous Telemarketers and Con Artists I'm Barbara Bush for

More information

Information to help citizens be vigilant for fraudulent contractors who attempt to capitalize on hail and storm damage.

Information to help citizens be vigilant for fraudulent contractors who attempt to capitalize on hail and storm damage. Information to help citizens be vigilant for fraudulent contractors who attempt to capitalize on hail and storm damage. FRAUDULENT CONTRACTORS ARE TAKING PENNSYLVANIA BY STORM. There s a new breed of storm-chaser

More information

Questions & Answers About Buying A New Home

Questions & Answers About Buying A New Home Kim O Leary Prudential RealtyCenter.com 7522 E Brainerd Road Chattanooga, TN 37419 Questions & Answers About Buying A New Home Dear Future Homeowner: A home is a financial asset and more: it's a place

More information

SOLAR CHECKLIST FOR CHOOSING AN INSTALLER. Congrats! You ve decided to save with solar but how do you choose your installer?

SOLAR CHECKLIST FOR CHOOSING AN INSTALLER. Congrats! You ve decided to save with solar but how do you choose your installer? SOLAR CHECKLIST Congrats! You ve decided to save with solar but how do you choose your installer? Here s a checklist with guidelines for selecting the right company for your solar project. These tips and

More information

Client Reviews For Foundation-2-Rooftop, Inc. Professional Home Inspections

Client Reviews For Foundation-2-Rooftop, Inc. Professional Home Inspections Client Reviews For Foundation-2-Rooftop, Inc. Professional Home Inspections I had Greg inspect two homes for me. I always respect a person that can see something that you can't see, even when you're looking

More information

How to Choose a Tax Preparer

How to Choose a Tax Preparer How to Choose a Tax Preparer You must file a file a Federal income tax return on or before April 15, 2008 if your income is above a certain level. The amount varies depending on filing status, age and

More information

TeleZapper. Frequently Asked Questions...

TeleZapper. Frequently Asked Questions... TeleZapper Frequently Asked Questions... * I've been contacted by a telemarketing company claiming to represent the TeleZapper. The caller was very persistent and even asked for my bank account information.

More information

Hiring a Contractor. Federal Trade Commission consumer.ftc.gov

Hiring a Contractor. Federal Trade Commission consumer.ftc.gov Hiring a Contractor Federal Trade Commission consumer.ftc.gov Adding a room, renovating a basement, or doing some much-needed repairs? Finding a good contractor is important a home improvement project

More information

Finding and Selecting Licensed Contractors

Finding and Selecting Licensed Contractors STATE OF TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE BOARD FOR LICENSING CONTRACTORS Mailing Address: 500 JAMES ROBERTSON PARKWAY NASHVILLE, TENNESSEE 37243-1150 TELEPHONE: 800-544-7693 OR (615) 741-8307

More information

How To Clean Your Credit In 60 Days... Or Less!

How To Clean Your Credit In 60 Days... Or Less! Credit Repair Kit Easy To Read - Easy To Use Step-By-Step Method How To Clean Your Credit In 60 Days... Or Less! This Guidebook Will Show You How You Can Have Perfect Credit With Very Little Effort FREE

More information

Learn How To Make Money Roofing

Learn How To Make Money Roofing Learn How To Make Money Roofing I'm going to start from the very beginning and some you advanced roofers may already know some of this information. The first thing you want to do is get a clear understanding

More information

HOW TO SURVIVE GARNISHMENT

HOW TO SURVIVE GARNISHMENT HOW TO SURVIVE GARNISHMENT Todd Murray The Todd Murray Law Firm, PLLC 800 Washington Ave N Suite 704 Minneapolis, MN 55401 (612) 284-4141 todd@toddmurraylaw.com IMPORTANT INFORMATION PLEASE READ THIS FIRST

More information

How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets!

How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets! How To Increase Your Odds Of Winning Scratch-Off Lottery Tickets! Disclaimer: All of the information inside this report reflects my own personal opinion and my own personal experiences. I am in NO way

More information

Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco.

Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco. Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco.com Buyer Book Agency Relationship Preparing for Home Ownership Assessing

More information

What Happens if I have an Accident or Claim? by Christopher J. Turnbull

What Happens if I have an Accident or Claim? by Christopher J. Turnbull What Happens if I have an Accident or Claim? by Christopher J. Turnbull Fortunately most of us have never had an accident or claim. As a result, when a claim does occur, it leaves us unsure of what to

More information

Measuring Up: A Consumer s Guide to Hiring Contractors for Home Repairs. From the Office of the West Virginia Attorney General. www.wvago.

Measuring Up: A Consumer s Guide to Hiring Contractors for Home Repairs. From the Office of the West Virginia Attorney General. www.wvago. ISSUED AUGUST 2013 www.wvago.gov Measuring Up: A Consumer s Guide to Hiring Contractors for Home Repairs From the Office of the West Virginia Attorney General Consumer Tips in Dealing With Contractors

More information

Don t get cheated when you repair or remodel your house

Don t get cheated when you repair or remodel your house Don t get cheated when you repair or remodel your house The person you hire to do home-improvement work is called a contractor. You could hire a contractor who has one or more special skills -- a carpenter,

More information

Information copied from Federal Trade Commission Website (www.ftc.gov)

Information copied from Federal Trade Commission Website (www.ftc.gov) DETER OR MINIMIZE YOUR RISK OF IDENTITY THEFT Information copied from Federal Trade Commission Website (www.ftc.gov) Protect your Social Security number Don't carry your Social Security card in your wallet

More information

How To Understand Your Car Insurance Coverage

How To Understand Your Car Insurance Coverage Kentucky Consumer Guide To Buying Car Insurance Attorney-At-Law 859.254.7076 859.281.6541 FAX Page 2 Phone: (859)254-7076 Copyright 2012 by All rights reserved. No part of this report may be reproduced,

More information

Special Report: 5 Mistakes Homeowners Make When Selling A House. And The Simple Tricks To Avoid Them!

Special Report: 5 Mistakes Homeowners Make When Selling A House. And The Simple Tricks To Avoid Them! Special Report: 5 Mistakes Homeowners Make When Selling A House And The Simple Tricks To Avoid Them! 1 Special Report: 5 Mistakes Homeowners Make When Selling A House Dear Homeowner, And The Simple Tricks

More information

SOLAR LEASE GOOD IDEA

SOLAR LEASE GOOD IDEA SOLAR LEASE GOOD IDEA ARE YOU NERVOUS ABOUT SIGNING THAT SOLAR LEASE OR PPA CONTRACT? WELL, YOU SHOULD BE! Don't Think For A Moment That It's As Simple As Sign Here And They'll Reduce Your Electric Bill.

More information

This special report will give you the complete scoop on what you need to look for and why these guys are the gold standard.

This special report will give you the complete scoop on what you need to look for and why these guys are the gold standard. How to Pick a Great Email Newsletter Provider There are a lot of steps to putting an email newsletter together. None of them is rocket science, but put them all together and it can be a little intimidating.

More information

TIPS FOR EMERGENCIES

TIPS FOR EMERGENCIES TIPS FOR EMERGENCIES How to Avoid Disaster-Related Scams Disasters often attract con artists and frauds. Price Gouging N.J. s Price Gouging Law: Home Repair Scams Before Hiring a Contractor: Charity Scams

More information

This man is breaking up ice with a rubber mallet on a log home at the base of the Mary Jane ski area in Winter Park, Colorado (elevation 9,052 feet),

This man is breaking up ice with a rubber mallet on a log home at the base of the Mary Jane ski area in Winter Park, Colorado (elevation 9,052 feet), This man is breaking up ice with a rubber mallet on a log home at the base of the Mary Jane ski area in Winter Park, Colorado (elevation 9,052 feet), where the average annual snowfall is 450 inches. 40

More information

So you've heard me talk about problems. We've gone through a bunch of different

So you've heard me talk about problems. We've gone through a bunch of different 8 o'clock So you've heard me talk about problems. We've gone through a bunch of different problems, so how about some solutions? Having gone to many court cases, trials and hearings, I've done everything

More information

Instructor Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum

Instructor Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Loan to Own Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum TABLE OF CONTENTS Page Module Overview 1 Purpose 1 Objectives 1 Time 1 Materials and Equipment Needed to Present

More information

Fraud Protection module

Fraud Protection module Fraud Protection module Trainer s Introduction While the vast majority of financial transactions are legitimate and honest, the few fraudulent ones can be costly and damaging. By recognizing the warning

More information

Your Step-by-Step Mortgage Guide. From Application to Closing

Your Step-by-Step Mortgage Guide. From Application to Closing Your Step-by-Step Mortgage Guide From Application to Closing Table of Contents In this guide, you will learn about one of the most important steps in the homebuying process obtaining a mortgage. The materials

More information

Roofing Deductible Assistance Programs: Diagram of a Scheme

Roofing Deductible Assistance Programs: Diagram of a Scheme e Roofing Deductible Assistance Programs: Diagram of a Scheme Issues, Challenges, and Recommendations INVESTIGATIVE SUMMARY August 2012 Purpose On June 13, 2012, North Texas residents were pelted by a

More information

YOU WILL NOT BE EFFECTIVE READING THIS.

YOU WILL NOT BE EFFECTIVE READING THIS. This is the most effective and powerful script for securing appointment with FSBO's you will ever put to use. This scrip will increase your appointment closing ratio by 50-60%. The thing to keep in mind

More information

Written Testimony of Sonia Ellis Submitted to the Special Committee on Aging United States Senate Hearing on the Jamaican Lottery Scam March 13, 2013

Written Testimony of Sonia Ellis Submitted to the Special Committee on Aging United States Senate Hearing on the Jamaican Lottery Scam March 13, 2013 Written Testimony of Sonia Ellis Submitted to the Special Committee on Aging United States Senate Hearing on the Jamaican Lottery Scam March 13, 2013 I would like to thank Chairman Nelson, Ranking member

More information

SB38 Factsheets. To Whom it May Concern:

SB38 Factsheets. To Whom it May Concern: SB38 Factsheets To Whom it May Concern: Since SB38 was signed on 6-6-12, the Colorado Roofing Association (CRA) has received numerous calls with varied questions from both contractors and homeowners affected

More information

Low-Income Taxpayer Clinic (LITC) Choosing a Tax Return Preparer

Low-Income Taxpayer Clinic (LITC) Choosing a Tax Return Preparer Low-Income Taxpayer Clinic (LITC) Choosing a Tax Return Preparer Choosing a Tax Return Preparer If you plan to pay a preparer, please review the following points to ensure your return is correctly filed

More information

Guide to Commercial Insurance

Guide to Commercial Insurance Guide to Commercial Insurance Introduction Operating a successful business today requires knowledge in many different areas, and one of the most important things to consider are the types and amounts of

More information

How To Prepare For Court In Small Claims Court

How To Prepare For Court In Small Claims Court Getting Ready for Court Small Claims Court Guide #5 If your small claims court case is going to court - whether it's for a settlement conference or a trial - you probably have a lot of questions to ask.

More information

ELDER CONSUMER SCAMS AND FRAUD

ELDER CONSUMER SCAMS AND FRAUD ELDER CONSUMER SCAMS AND FRAUD TELEMARKETING SCAMS Keep in mind: if it sounds too good to be true, it probably is. You have the right to refuse calls from telemarketers. Just say "no" and hang up the phone.

More information

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum

Participant Guide Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Loan to Own Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum Table of Contents Page Lending Terms 1 Consumer Installment Loan Versus Rent-to-Own 2 Federal Trade Commission

More information

AGE WELL SENIOR SERVICES REMINDS SENIORS TO BE ON THE LOOKOUT FOR SCAM ARTISTS

AGE WELL SENIOR SERVICES REMINDS SENIORS TO BE ON THE LOOKOUT FOR SCAM ARTISTS CONTACT: Dan Pittman 714.282.9994 dan@pittmanpr.com AGE WELL SENIOR SERVICES REMINDS SENIORS TO BE ON THE LOOKOUT FOR SCAM ARTISTS LAGUNA WOODS, California, April 11, 2012 Age Well Senior Services, Orange

More information

BBB Advice For After the Storm

BBB Advice For After the Storm BBB Advice For After the Storm Submitted by WDEF on May 2, 2011-12:55pm. News Consumer News Advice for Dealing with Home Insurance Adjusters after Disaster Strikes The recent tornados and storms have left

More information

STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL, and LAURA E. UDIS, ADMINISTRATOR, UNIFORM CONSUMER CREDIT CODE, Plaintiffs,

STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL, and LAURA E. UDIS, ADMINISTRATOR, UNIFORM CONSUMER CREDIT CODE, Plaintiffs, DISTRICT COURT, DENVER CITY AND COUNTY, COLORADO 1437 Bannock Street Denver, Colorado 80202 STATE OF COLORADO, ex rel. JOHN W. SUTHERS, ATTORNEY GENERAL, and LAURA E. UDIS, ADMINISTRATOR, UNIFORM CONSUMER

More information

Most headed enough to take notes are seriously injured, it s

Most headed enough to take notes are seriously injured, it s 7 DEADLY SINS TO AVOID IN YOUR ACCIDENT CASE 1. Providing Statements - at the scene of the accident or insurance adjusters soon after. You are under no obligation to make a statement to the police or to

More information

FOR IMMEDIATE RELEASE: CONTACT: J. Robert Hunter, 207-864-3953 August 26, 2011

FOR IMMEDIATE RELEASE: CONTACT: J. Robert Hunter, 207-864-3953 August 26, 2011 FOR IMMEDIATE RELEASE: CONTACT: J. Robert Hunter, 207-864-3953 August 26, 2011 WHAT CONSUMERS SHOULD DO TO GET FAIR CLAIMS PAYMENTS IN THE WAKE OF HURRICANE IRENE Washington, D.C. -- The Consumer Federation

More information

How do I request a copy of my Policy papers? My Vehicle Insurance Card? My Valuable Articles Schedule?

How do I request a copy of my Policy papers? My Vehicle Insurance Card? My Valuable Articles Schedule? FAQ's About Filing a Claim: What is the easiest way to file a claim? About My Bill: When does Chubb mail me the bill? What are the various payment frequencies for paying my bill? Can I pay annually, rather

More information

B: He's getting a divorce and says he won't be able to pay for it after he pays alimony and child support.

B: He's getting a divorce and says he won't be able to pay for it after he pays alimony and child support. Dialog: VIP LESSON 001 - Alimony A: Why is Kevin selling his house? B: He's getting a divorce and says he won't be able to pay for it after he pays alimony and child support. A: Why is he getting a divorce?

More information

7 Secrets To Websites That Sell. By Alex Nelson

7 Secrets To Websites That Sell. By Alex Nelson 7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there

More information

RESIDENTIAL ROOFING BILL OF RIGHTS

RESIDENTIAL ROOFING BILL OF RIGHTS RESIDENTIAL ROOFING BILL OF RIGHTS SB38 Factsheet To Whom it May Concern: Since SB38 was signed on 6-6-12, the Colorado Roofing Association (CRA) has received numerous calls with varied questions from

More information

Residential Construction

Residential Construction Office of the Attorney General Residential Construction LAWRENCE WASDEN Attorney General 700 West Jefferson Street Boise, ID 83720-0010 www.ag.idaho.gov State of Idaho Office of Attorney General Lawrence

More information

In Home Sales Training Manual. Debt Settlement Program

In Home Sales Training Manual. Debt Settlement Program In Home Sales Training Manual Debt Settlement Program Introduction to the industry The debt relief business is booming because of the rise in unemployment rates, the poor economy, and those who have found

More information

Protect Your Identity

Protect Your Identity Protect Your Identity What Is Identity Theft? The short answer is that identity theft is a crime. Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully

More information

According to the United States Bankruptcy Code there are 6 types of bankruptcies, called chapters :

According to the United States Bankruptcy Code there are 6 types of bankruptcies, called chapters : FAQ Bankruptcy What does bankruptcy mean? Bankruptcy is a legal procedure that allows people to legally avoid their debts or reorganize their financial obligations through a payment plan. How many bankruptcy

More information

How You Can Stop Foreclosure! Rising above most real estate situations

How You Can Stop Foreclosure! Rising above most real estate situations How You Can Stop Foreclosure! Rising above most real estate situations Presented By: Phone: 404-436-0024 Having your house foreclose on is one of the most unsettling things you can go through. When threatened

More information

How To Avoid The Seven Deadly Sins When Buying General Liability Insurance.

How To Avoid The Seven Deadly Sins When Buying General Liability Insurance. Special Report.. Insurance Insider Reveals Important Secrets Every Contractor Should Know About General Liability Insurance Wake Clinard Licensed Insurance Agent And Consumer Advocate How To Avoid The

More information

GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422

GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422 GENERAL TIPS FOR BUYING/SELLING A HOME Office of the Staff Judge Advocate, MacDill Air Force Base, Florida (813) 828-4422 TYPES OF HOMES Buying a house will be one of the biggest investments one will ever

More information

How To Get Money From A Bank After Hurricane Suden

How To Get Money From A Bank After Hurricane Suden Q. Who can I contact for information? Frequently Asked Questions for Bank Customers in Areas Affected by Hurricane Sandy A. The FDIC realizes that customers with limited access to a working telephone or

More information

HAVE NO PAPERS/ARE OUT OF STATUS/ UNDOCUMENTED

HAVE NO PAPERS/ARE OUT OF STATUS/ UNDOCUMENTED Families Beware! Fighting For Our Rights When Getting Deported 1. Who Can Be Deported? Any Non-Citizen is AT RISK of detention/deportation and can be deported by ICE (Immigration Customs Enforcement) if

More information

ACVL Web Site LEASING VS. BUYING QUIZ

ACVL Web Site LEASING VS. BUYING QUIZ ACVL Web Site LEASING VS. BUYING QUIZ There are many factors to consider when deciding whether to lease or finance your next vehicle. To help consumers weigh their circumstances and understand whether

More information

Never Own Your Home Outright. Instead, Get a Big 30-year Mortgage, and Never Pay It Off Regardless of Your Age and Income

Never Own Your Home Outright. Instead, Get a Big 30-year Mortgage, and Never Pay It Off Regardless of Your Age and Income Never Own Your Home Outright. Instead, Get a Big 30-year Mortgage, and Never Pay It Off Regardless of Your Age and Income By Ric Edelman From The New Rules of Money Last year, Wal-Mart sold several hundred

More information

LIST BUILDING PROFITS

LIST BUILDING PROFITS LIST BUILDING PROFITS BUILD YOUR LIST THE RIGHT WAY Jonathan Leger COURTESY OF LEARNFROMJON.COM - PRIVATE BUSINESS COACHING FROM A MULTI-MILLION DOLLAR INTERNET MARKETER + ACCESS TO PREMIUM AND EXCLUSIVE

More information

story: I have no problem lending money to family & friends as long as I can afford it.

story: I have no problem lending money to family & friends as long as I can afford it. name: Emily state: Texas story: My husband has borrowed money from his parents many different times without my knowing. I think that if you expect repayment, a written loan agreement or share secured loan

More information

A Guide For Homeowners

A Guide For Homeowners A Guide For Homeowners If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit

More information

Airplane Buying Cheat Sheet. How To Get A Discount On Your Next Airplane:

Airplane Buying Cheat Sheet. How To Get A Discount On Your Next Airplane: Airplane Buying Cheat Sheet Disclaimer: Make sure you always get professional legal advice & used licenced technicians when you are doing your inspections. This information is used at your own risk...

More information

Settling Your Injury Case...

Settling Your Injury Case... Settling Your Injury Case... Without a Lawyer How to maximize the value of your claim under $10,000 The information provided in this report is for informational purposes only. Shulman DuBois LLC does not

More information

HOME REPAIR AND REMODELING UNDER NORMAL CIRCUMSTANCES AND/OR IN THE EVENT OF CASUALTY LOSSES

HOME REPAIR AND REMODELING UNDER NORMAL CIRCUMSTANCES AND/OR IN THE EVENT OF CASUALTY LOSSES HOME REPAIR AND REMODELING UNDER NORMAL CIRCUMSTANCES AND/OR IN THE EVENT OF CASUALTY LOSSES By: This Article addresses some key points essential to home remodeling and construction under normal circumstances

More information

A Lawyer in Time Saves Nine...

A Lawyer in Time Saves Nine... A Lawyer in Time Saves Nine... BY KATHY DANFORTH TTHE SHAME LIST I can t tell you the number of times that a board thinks that what they re doing is permitted by law only to learn that it really isn t,

More information

Thank you for your attention to these issues. Higher Ed, Not Debt

Thank you for your attention to these issues. Higher Ed, Not Debt December 17, 2014 Dear Governor Brewer, On behalf of current and former Everest and WyoTech students in your state, we write to ask that you and your administration, through the Board for Private-Post

More information