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Favorite team:LSU 
Location:Crossville, TN
Biography:
Interests:
Occupation:Real Estate Finance
Number of Posts:7129
Registered on:9/23/2005
Online Status:Not Online

Recent Posts

Message
Flooded Home Question - novabill
Home is built on piers and had about 8 ft of water in it. After the flood the there a couple of places where the sub-flooring came through the hard wood floors. Would this be indicative of any foundation problems that would need to be addressed or would be repaired when replacing the flooring?...
Posted on Political Talk
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re: HS Student sent home for "Black Lives matter" T-shirt - novabill
I love how principled people are. The are all for freedom of expression as long as the thought being expressed are similar to theirs. Very conservative guy last night was upset that the school sent the permission slip for the pledge. Thinks that kids should be forced to say the pledge, whether ...
Posted on O-T Lounge
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re: French police make woman remove clothing on Nice beach following burkini ban - novabill
[quote]wee bit [b]bomb[/b]ophobic.[/quote]...
Posted on O-T Lounge
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re: Flood Insurance Fraud Story-You aren't going to believe this one. - novabill
:cheers: GFunk: Who are you? Gimme a hint...
Posted on Money Talk
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re: Need a licensed contractor to rebuild my home - novabill
Danny Gallman [link=(http://www.gallmanconstructionllc.com/)]LINK[/link] Would love to hear more about your insurance experience. What caused them to pay for a rebuild? How much are they allowing? I am waiting on my adjuster and thinking that they will pay the full policy amount on mine as w...
Posted on O-T Lounge
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re: High credit score = no assistance from FEMA - novabill
[quote]pay my taxes for FEMA to operate[/quote] This...
Posted on O-T Lounge
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re: CNN - How healthy is Trump? - novabill
[quote]Since many people have raised the issue of Hillary's health, CNN runs to her defense by immediately questioning Trump's health. Yet no article on Hillary's health. [/quote] They fall for it again. NOW, Trump is justified for bringing up the issue....
Posted on Political Talk
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re: Rate your Insurance Company - novabill
[quote]You do understand that FEMA controls the flood policies regardless who writes them, correct?[/quote] I think the insurance company is still a huge factor in how a claim gets handled. They send their adjusters and follow the company protocols for adjusting the claim. [link=(http://www...
Posted on Money Talk
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re: Rate your Insurance Company - novabill
Have USAA for everything except flood. Never switched flood to them because I thought it was all FEMA and did not matter. Would probably have my money already if I had USAA for flood. ...
Posted on Money Talk
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re: Flood Insurance Fraud Story-You aren't going to believe this one. - novabill
While not impossible, not likely. The mortgage lender pulls a flood cert on every home they lend on. If the home is in a flood zone, they require flood insurance. The flood insurance, unlike homeowners insurance is required to be paid to the insurance company prior to closing. I cannot see...
Posted on Money Talk
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re: My personal flood situation regarding losing uninsured personal property - novabill
[quote] Do I take out a small loan before closing on our house? That makes me nervous because I don't want a loan to somehow change our lending situation, despite having good credit and debt/income ratio. [/quote] Talk to your loan officer he can get the loan reviewed with the additional payment ...
Posted on Money Talk
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re: The Great Flood of 2016: Fill Out Disaster Forms NOW. Link Inside! - novabill
Any hear from their insurance adjuster yet? Mine was out this morning, but have not hear anything from him. Anxious to hear how much the claim will be, hoping it is enough to fix this mess....
Posted on O-T Lounge
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re: Just heard on the radio, regarding financial relief for yall with flood damage - novabill
[quote]Not sure the stipulations, but they said you can call your mortgage company and auto lien holder and defer payments for up to 3 months. Hopefully this isn't overly abused. Praying for all of you![/quote] FYI, saw this after Katrina, but it did report as a late payment on the credit report....
Posted on O-T Lounge
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re: Cecil looks a little like Leonard with that power - novabill
[quote]Collins doesn't deserve to be in the same sentence as Leonard.[/quote] Yes he does...
Posted on Tiger Rant
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re: Mold prevention solution - novabill
[quote]HarrisLetsRide[/quote] Please email me crossvillebill@gmail.com going through what you went through and would love to pick your brain if you do not mind....
Posted on O-T Lounge
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re: The Great Flood of 2016: Fill Out Disaster Forms NOW. Link Inside! - novabill
[quote]This sucks - my wife and I were about to move out of the state to Colorado - she just got a job there. Our house is high and dry but this is probably going to wreck the market.[/quote] Supply and demand, you should be able to sale a house that stayed dry in this....
Posted on O-T Lounge
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re: Flood insurance advice needed/questions - novabill
[quote]ust hope the water doesn't reach your ceiling. You'll be much better off if it doesn't.[/quote] Mine had 8ft of water in it, so if it did not get to the ceiling it is pretty close. ...
Posted on O-T Lounge
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re: Flood insurance advice needed/questions - novabill
Would that be true even for a house with water like the one below? [img]http://i1115.photobucket.com/albums/k545/hebdomas1965/Flood4_zpsny9abhtu.jpg[/img]...
Posted on O-T Lounge
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re: Thank you Donald Trump, from all of us that really despise you. - novabill
[quote]Thank you Donald Trump, from all of us that really despise you.[/quote] Can you take a moment and tell me why you despise him so much? I am not trying to troll at all, hoping to have a honest conversation to see what is at the root of all the Donald hate. ...
Posted on Political Talk
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