Aneka Info

Black House and apartment owners more than overloaded most under insured, and most recently compensated for damages of any race group. Black House and apartment owners continue to partly due to the quiet discrimination (insurance companies call, that it added risk) and lack of information the profits of insurance companies of touchpad-more than any race group.

With spacious, change happens in the insurance industry, as we speak, have some House and apartment owners, especially black House and apartment owners a source, which can hold updated on these changes.

In this week's newsletter will I explain, one of the most important changes insurance companies still on it risky call use (code word...) Minority, urban House and homeowners and neighborhoods).

More and more home insurers refer to the secret database the comprehensive loss underwriting Exchange (or C.L.U.E). Despite record profits as in the Los Angeles Times and United States today reported home insurance companies worry about increasing the subsidies for the water and claims to forms.

This new trend could make more difficult for you to sell or buy a home for the a past water or mold damage claim. Why? Because more insurance it makes a point to check whether there are recent water or mold, claims damages on a home before the insurance or re-insuring house.

In fact, many insurance company report a growing experts from companies using the C.L.U.E database, based on a houses recording of information to deny coverage.

Financial institutions have the FICO credit scoring, now home insurance have the C.L.U.E database. This is intelligent enough to read this newsletter a secret that most House and apartment owners do not know, with the exception of the homeowners.

I will show you simple ways to protect yourself later in this article, but first of all, I would like to say that you a little more want to know insurance about these secret database not you have.

The comprehensive loss managed by ChoicePoint collects underwriting Exchange, stores and reports to members. Information is retained in the database for a period of five years after ChoicePoint.

Insurance companies continue to more aggressively for houses, the future claims, such as water or mold could cause damage. More domestic sales continue to because the insurance companies increased use of the C.L.U.E database continue, when buyer unable to complete one, not they can finance the business, such as the simple.

Now could claim, not to mention your home black ball State for the submission of paid may be retained for a claim. This is crazy, but true.

Despite this alarming new trend of insurance companies used you need ways to protect yourself and your rights.

(1) Avoid you tell your insurance company or agent to problems with your House, if your 100% sure that you'll file a claim. Insurance agents can friendly and a good source for advice in the past, but you report in the C.L.U.E database go could understand problems. The result? You can use this information to increase your prices or refuse in some serious cases, to renew your policy.

2. Check you to purchase a home warranty and use that instead as protection for minor accidents and repairs, the registration of a claim with your insurance company. In most cases, it can be a request to your insurance company numbers better, for minor damage even as file. In today's climate, you need to check the risk of the lodgement of claim with your insurance company. I know it sounds crazy - but it is reality in which we live today the new "insurance".

3. Writing and local insurance to support advocate groups in your state. Although most do it with limited resources, they fight to ensure that insurance companies give you as a fair shake as possible, even if politicians to fear. You do it behind the scenes - in the trenches, without appearance of TV cameras or fanfare. So give them your support and encouragement, to give you help available. Even if you can send a donation does not write a letter of encouragement.

4. Get a C.L.U.E. This is another secret that most House and apartment owners do not know - and not advertise insurance companies. You are which by law a copy of the report of CLUE houses every year or you are denied insurance coverage.

You are also under the protection of federal law entitled to dispute or question all outdated, incorrect or wrong information in the report reference point. Many homeowners have found inaccurate information, which affected their insurance rates. Have you checked your lately?

Conclusion.

Now you have a clue about the secret C.L.U.E report insurance companies keep on your home page, you have the information, better to protect. Only to know, according to a report available will help to do this, you make a more informed homeowners and help to keep you your prices down.

You have also a possibility to protect surprises by insurance company. When a surprise a drastic increase in or unexpected cancellation should be done, you must also the tools to fight back.

I will continue to to you about important changes quietly in the insurance industry to keep. With changes happening so quickly I have to say new options, you save money and frustration - not your friendly agent will you. Sure, they share with other House and apartment owners, you know.

Protect yourself and your rights.
Insurance new secret weapon