BeautiFALL in Keene TX


I wasn’t expecting at all that we would have this opportunity to see a beautiful Fall foliage here in Keene, Texas. I didn’t know that a colorful tree stands in the very front yard of Ate Vivien’s and when it was on its peak for an Autumn hue, we didn’t miss the opportunity to enjoy its beauty by posing and taking lots and lots of pictures. This is one of my favorite captures:

That’s me, Tiara, Triz and Tita Siaw

Many people around here asked me where we did this photoshoot (I have more pics in Facebook) and they were surprised to learn that this is not Wisconsin or Illinois but simply Keene, and this spot is just a couple of blocks away from my house.

So yeah, even in Keene, we still have great Fall colors. In fact, at our backyard right now, there is a tree that I don’t know the name, but is blooming orange now. Having said that, watch out for my next capture of that tree! He he.


Three Reasons to Use a Public Insurance Adjuster Instead of an Attorney


Once you file a claim with your insurance company, they will send a claims adjuster to investigate your claim and decide if it will be paid, and the amount you are entitled to. It is not uncommon for policyholders to get an offer for less than they believe they are entitled to. In this case, you can accept the offer, attempt to negotiate with the insurance company yourself or get help. This help can come in the form of an attorney or a public insurance adjuster. The following are three reasons you should consider hiring a public insurance adjuster versus an attorney.

They negotiate on your behalf
The last thing you need to do is spend your valuable time negotiating a claim. If you are a homeowner, for example, you are likely employed and cannot be on the phone all day attempting to get the money you need to restore your house after severe damage. A public adjuster can be even more valuable to a business owner who is trying to operate a business profitably. When you have someone doing the negotiating for you, you can focus on what you do best.

They are not as threatening to an insurance company
Because they are not lawyers, there is no threat to bring the insurance company to court. When an attorney negotiates with an insurance company, there is always the potential of a legal action being filed if the negotiating process does not conclude well. Insurance companies do like to negotiate when there is any type of veiled threat such as this. Depending upon the reputation of the attorney, an insurance company may be ready to fight in court. A public adjuster, on the other hand, is there only to negotiate. If things don’t go well, the policyholder can always contact an attorney. The insurance company knows this and will be more likely to negotiate in good faith.

They have experience with many forms of insurance
Whether residential or commercial policies, these adjusters can be hired with the background and experience to negotiate effectively on you behalf, and this holds true for a wide range of insurance types. Property, fire, storms, floods and vandalism are only of the few areas that you may need assistance with in negotiating an insurance claim. There are national public adjusters ready to assist you with all of your needs.

There is not much of a downside to using a public adjuster. You may get a better settlement, and if not, you can always hire a lawyer. However, a lawyer should not be your first option.