I live in a condo. When I bought this unit, I thought it was a great way to get into the housing market – no outside upkeep, and I get to build some equity. But there are downsides.

 

One weekend last year, my upstairs neighbour went away for the weekend. While he was out of town, his water heater unit failed, and it started leaking. I woke up to a soaked kitchen ceiling, and water dripping onto my floor! Eventually, our property manager came and had to get a locksmith to break into my neighbour’s place and get the water shut off.

 

Well, I wasn’t happy, but figured: it wasn’t my fault. His insurance will pay.

 

Then the fun began. His insurance would NOT pay for the damage to my unit. They said that it would have to be covered under the condominium’s insurance policy. So, I called the property manager. They said that they’d check with the insurer for the whole complex. Turns out, that insurer didn’t want to pay for anything inside my unit – and the surface of the walls facing into my unit were my responsibility! (How can you detach the inside surface of the wall from the rest of it???) So they said they’d replace any damaged drywall, but all painting and damage inside my unit was mine. So I went to my insurance, who told me to go back to my neighbour since the water had come from his unit and my insurance only covered water damage from water that came from inside my unit!

 

In the end, I badgered our condo board and managed to get my ceiling and decorating inside my unit covered. But this was sure an eye-opener.

I have been through your post and i think you went for a compromise. As experience makes one perfect, really its an eye-opener to those facing this type of troubles.

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It’s really sad. Certainly it’s an eye opener and a lesson for us too.

 

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It is really sad with you.His insurance pay you for little while and your own insurance did not pay you just because of that it was not fault and water did not come from your unit.Why they said its insurance?I have question from insurance company.

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I will also suggest you that you should go in compromise.It is only the best solution which you have as per my experienced say.

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This is a sad story. But I think insurance company is right in their position.

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Discover The Discounts You Should Ask About Before Buying Insurance

Well, the dust has settled on England’s World Cup cavalcade of whimsy and it’s that time of year again: pointless friendly time!

Sadly, it won’t even pass without drama: the meaningless get-together with Hungary at Wembley on Wednesday has the nation’s attention as all eyes turn to Fabio Capello; and the fans are desperate to see what changes he will make to the disgraceful bunch that let their country down in South Africa this summer.

While I welcome youth and think the England team needs a drastic overhaul, Capello met England fans halfway, naming a squad consisting of regulars along with some new faces.

In comes young Jack Wilshire of Arsenal along with his club teammate Kieran Gibbs, as well as Ashley Young of Aston Villa. Pre-World Cup fringe players—Phil Jagielka, Michael Dawson, Bobby Zamora, Theo Walcott, Adam Johnson, Carlton Cole and Darren Bent of Sunderland—all come in, as does Bolton defender Gary Cahill.

More interestingly, two senior players named in Wednesday’s squad were quick to avoid any further part of ‘rolling out for England’ and promptly retired. Wes Brown of Manchester United quit the England set-up and was swiftly followed by flapping Blackburn keeper, Paul Robinson. Bulky forward Emile Heskey also retired immediately after the World Cup.

For those England fans in favor of blooding the kids, the news of the retirements is welcome, but those two names are just not enough; two more stand-out. One should not be selected based on his World Cup performances (or lack of), and the other because he’s a disgraceful twit who says he can’t stand England or it’s people!

If an overhaul is needed, then Steven Gerrard and Ashley Cole have to go to also. Gerrard summed up the ‘big star’ attitude for England, playing as a selfish individual who would rather aim for personal glory with 30-yard shots than pass to his teammates.

Cole declared before the tournament that he hated his country and the people in it. To select him again shows disrespect to any proud English man, woman or child, especially those who spent their hard-earned cash traveling to South Africa in June.

We asked for change, and we got it. All I ask for now is for common sense to strike Gerrard and Cole, and for the pair to follow Brown, Heskey and Robinson in doing the right thing.

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