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HomeLine - Moving Done Right

moving_stormWith more than 40 million Americans moving each year, the Department of Transportation (DOT), which oversees the moving industry, receives up to 4,000 complaints each year. Most of these complaints stem from damaged goods and overcharging. If you have clients planning a move, here are some important tips they should consider.

Qualify the mover.

Ask to see the movers’ DOT registration. Most complaints involve “rogue movers,” which are companies that operate without the proper certifications. Check their reputability on Angie’s List (angieslist.com) and the Better Business Bureau (bbb.org). Avoid any mover that offers quotes over the phone or the Internet. Instead, get at least three written estimates from separate professional movers that require an in-home inspection before providing a quote. Be wary of any quote substantially lower than others you get. The tactic of low balling to get the job and then demanding additional charges to cover actual costs is all too common.

Know your estimate.

Professional movers offer different kinds of estimates. They can include binding and, more often, non-binding estimates with a guaranteed not-to-exceed price. Discuss all options and identify in writing any exclusions to the guaranteed not-to-exceed price.

Get additional insurance.

The default insurance that movers provide is called valuation coverage, which assumes liability for no more than 60 cents per pound per item. Meaning: The 32″ Sony LCD HDTV that cost $497.99 will fetch $15 if found damaged upon delivery. Fortunately, movers offer additional insurance policies in which you can pay to cover depreciation value or even replacement cost. Regardless of the type of insurance, notify the mover in writing about any articles of high value.

Finally

Do not sign a delivery receipt for your household goods if it contains any language about releasing the moving company from liability. By law, anyone moving has up to nine months to file a written claim. Strike out this kind of language or refuse delivery until a proper receipt is provided.

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Posted in Blog, Feature Articles, Realtor Resources, Fri, 28/08/09

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Remodel Loan Specialist
In today's economic downturn loans are harder to come by than in the good old days. Loans that allow you to remodel (cash out loans) are almost non existent with a LTV (loan-to-value) over 80%. Banks have tightened their belts and restricted the loans they will make in response to the toxic debt they now carry on their balance sheets. So where do you turn? Who is stepping forward to help you the homeowner during these difficult times? I'd like to introduce myself, my name is Eric Storm. I lend in all 50 states and I live in Fort Mill, SC. I have been in the mortgage lending business for 14 years, through all the ups and downs several times. You can be sure of one thing, when you choose me as your loan officer you will get all the options available and I will help find the best mortgage for you.
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