Staten Island Accident Lawyer Personal Injury Attorney Law Firm – #bisignano, #bisignano #law #firm,
Let a Local Law Firm with a National Reputation for Handling Serious Injury Cases represent you to make the highest recovery for your accident case.
If a serious accident has left you or a loved one injured or bereaved, you need a team of personal injury lawyers who are experienced in fighting for the compensation you deserve and who have the tradition of excellence in bringing your case to a successful resolution.
You need the The Bisignano Law Firm. We are a Staten Island and New Jersey boutique law firm that concentrates in recovering the highest possible settlements and damages awards to compensate injured accident victims for pain, suffering and economic losses. We are able to provide our clients with the legal services and state of the art resources of a large law firm while still maintaining a high level of personal attention and care.
The founding Partner, Anthony Bisignano, Esq. has been helping injured persons find justice for over twenty-five years. Over the course of his career as a distinguished personal injury lawyer, Mr. Bisignano has become known in professional circles around Staten Island and the tri-state area as an accident attorney who is dedicated in taking on corporations, insurance industry giants, or highly complex cases. He has a history of making million dollar recoveries on behalf of his seriously injured clients. In fact, his peers recognize his skills and accomplishments on behalf of clients by consistently designating him as a Super Lawyer a distinction only 5% of area attorneys can claim.
Our personal injury lawyers offer free consultations. If you chose to retain our services, we will never ask you for any payment until we bring your case to a successful conclusion that includes a recovery for damages. Because we work on a contingency basis, we see ourselves as your partner, and we are motivated to pursue the highest recovery possible on your behalf. When our personal injury attorneys win your case, we are compensated from the money awarded to you by the offending party or insurance company. We cover expenses associated with your case upfront and are reimbursed from your gross recovery at the end of the case. We never ask you for money out of your pocket. In other words, your economic situation does not prevent you from hiring our highly-respected team of lawyers.
If you need the assistance of an accident lawyer, call us today. You are welcome to visit us at our Staten Island or New Jersey offices. If you are unable to travel, we will make arrangements to come to you. We will be happy to speak with you about the merits of your case and give you all the information you need to move ahead with confidence. We look forward to the opportunity to pursue justice on your behalf and give you hope for the future.
Anthony Bisignano was voted in multiple years by his peers to be a Super Lawyer, a distinction given to only 5% of lawyers in the area. [Read More ]
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Local Criminal Defense Attorneys, Drug Crimes & Felony Trial Attorney, Local Law Firms, long
Criminal Defense News Articles
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Need To Know Criminal Defense Issues
A criminal case is brought by the government against a person that is being accused of a crime.
When it comes to criminal cases, a sum of money is posted by or on behalf of the defendant in order to gaurantee their appearance in court after being released from jail.There are many types of criminal cases such as a felony cases, misdemeanor cases, federal cases, etc.
Criminal Defense Attorney Overview
To better understand the importance of criminal defense and its vital role in the criminal justice system, a criminal defense overview may be helpful. According to the 5th Amendment to the U.S. Constitution, вЂњ. it is unlawful for an individual to be deprived of life, liberty or property without due process of law. вЂќ
Have you been charged with a criminal offense? If so, contact a criminal defense attorney to discuss your case today.
When an individual is charged with an alleged violation of the law, due process of law requires certain steps to be taken. The following are the rudimentary steps in a criminal defense case:
Defendants in a criminal defense case may be subjected to only a portion or all of these steps. It is during these processes that the individual has the right to protect himself or herself by retaining legal representation. While defendants have the option of entering into these proceedings without legal representation, most defendants choose to have the assistance of an expert criminal defense attorney.
According to the 6th Amendment to the U.S. Constitution, defendants have the right to secure legal representation. Even those that are indigent and do not have the financial means to hire a criminal defense lawyer attorney still have the right to be represented by legal counsel. The U.S. Constitution ensures that individuals charged with a federal crime will have access to a criminal defense lawyer. Most state constitutions extend this right to those individuals charged with a state felony as well. While this right does not attach in each and every circumstance in which a law is violated, it does attach when serious violations of the law are alleged.
Violations of the law are classified into one of two categories: misdemeanor or felony. These crimes are further categorized into level or degrees based on the severity of the offense. The level or degree of the crime may vary by jurisdiction. Felony offenses will be classified as Class 1 through Class 6, and misdemeanor offenses will be classified as Class 1 through Class 4. Class 1 offenses are the most severe and carry the harshest penalties. For example, a Class 1 felony offense carries with it the punishment of life imprisonment, fines up to $100,000, or death.
It is essential that defendants facing criminal charges contact a criminal defense attorney as early in the process as is feasible. An attorney needs to begin investigating the case and building a defense strategy as soon after the arrest as possible. Defendants may contact a criminal defense law firm to schedule an initial consultation to meet with a skilled and knowledgeable criminal defense lawyer. Because the U.S. Constitution asserts the individual’s right to legal counsel, those charged with criminal violations of the law should exercise this fundamental right.
Have you been charged with a criminal offense? If so, contact a criminal defense attorney to discuss your case today.
Long Island Auto Insurance #nys #car #insurance, #long #island #auto #insurance, #auto #insurance #long
Long Island Auto Insurance
Long Island auto insurance can be confusing. Everywhere you look, car insurance company after car insurance company boasts about how they are offering all types of discounts on car insurance quotes. Unfortunately, the one vital piece of information they never reveal is: What was the original quote? Without this essential piece of information, it’s hard to know what your car insurance savings will really be. So, since there are scores of auto insurance companies in New York, which LI auto insurance company do you choose to insure your vehicle? If you limit yourself to the few heavily advertised auto insurance companies you see on TV, you could be throwing away a ton of money on auto insurance premium when you do not have to.
Insurance Suffolk is a Long Island based brokerage…not an auto insurance company…
We at Insurance Suffolk make shopping for auto insurance easy by obtaining auto insurance quotes for you with top financially rated (not top advertised) auto insurance companies at no additional cost. Utilizing our comprehensive and exhaustive underwriting services, our mission is to provide you with the lowest cost possible for Long Island auto insurance. Whether you are searching for your first policy, need a review of your current auto coverage limits, looking to switch auto insurance companies for a lower price, or you were dropped from your auto insurance company, we can help you.
Insurance Suffolk helps Suffolk and Nassau Long Island residents with their auto insurance by:
- – Choosing the right car insurance company based on our client’s needs
- – Providing “apples to apples” quote comparisons (identical coverage limits and endorsements)
- – Optionally shopping your Homeowners, Renters or Umbrella policies with your auto policy in an attempt to obtain multi-policy discounts
- – Pointing out trouble areas in your existing auto policy as to make sure you are properly insuring your vehicle (low coverage limits, missing endorsements, etc.)
- – Obtaining affordable auto insurance quotes from top rated insurance companies in New York. We are also part of the AARP auto insurance program with The Hartford
In addition to auto insurance, we also provide coverage for other types of vehicles including:
From Babylon to Massapequa, to Lindenhurst to Merrick, Insurance Suffolk is here to provide Long Island residents with peace of mind and maximum savings on your car insurance. Contact one of our Long Island insurance brokers for a free auto insurance quote and start saving today!
Tampa Bay Area Homes For Sale, Florida, Realty Executives Suncoast #clearwater, #safety #harbor, #davis
Welcome To The Official Tampa Bay Area Real Estate Search Website. Meet Experienced Tampa Bay Professional Realtors!
Realty Executives Suncoast servicing the residents of the Tampa Bay area since 1970! Our Clearwater, Florida real estate agency office is locally owned and operated by licensed Real Estate Agents. Sales Associates and Realtors. There are many houses for sale in the but no two homes are the same! We are driven and experienced to service your specific real estate needs. Look over our Tampa Bay area popular places to live below and search by price ranges that best fits your budget! Browse a wide variety of homes you will love and create email alerts when a new listing hits the market!
Looking To Buy a Home In The Tampa Bay Area?
Need a Custom Criteria Home Search?
We provide the best property search tools using our Advanced Search to view houses with specific custom options such as by school district-elementary school, middle school, high school, property type, special conditions, style, built before and built after. We would also suggest trying our Map Search to search an up-to-date MID Florida MLS of all active available homes for sale in Citrus County. Hernando County. Hillsborough County. Manatee County. Pasco County. Pinellas County. Polk County and Sarasota County.
Searching Open Houses In The Tampa Bay Area? Just Select Your Lifestyle City Choice Below:
Don t Have Time To Search?
We believe in service and client satisfaction which is why we will populate your specific search criteria quick and easy! Please try Dream Home Finder form.
Looking To Sell Your Home?
Selling you re home takes planning which we understand and it s vital you are informed about a fair asking price! We can do a FREE Market Analysis and utilize comparable sold listings in your area to help you decide the precise market value of your home. Our agents implement continuous successful real estate strategies combined with your exclusive home listing web page that funnels onto our featured listings carousel. When you list your home with Realty Executives Suncoast our effective MLS system will automatically upload to our social media Facebook page which is an excellent way to attract Tampa Bay home buyers.
Popular Places To Live In The Tampa Bay Area
Posted on 16 Jun 2017
Housing starts saw a slowdown in May in overall number of starts and in the single-family sector. And a decrease in building permits showed the downward trend is unlikely to turn around anytime soon.
Posted on 16 Jun 2017
A few years after seeing his appraisal management company close down, leaving behind millions of dollars in unpaid appraiser invoices, AppraiserLoft owner Aman Makkar appears back in business. According to an investigation by HousingWire, the Makkars have now set sights on a new goal apartment rentals. Here s more on the Makkars’ latest business venture, and its possible players, and the questionable legality.
Posted on 15 Jun 2017
Builder confidence fell slightly in June from the downwardly revised confidence level in May. However, the National Association of Home Builders explained the level of confidence is still historically high, and reflects the gradually improving housing economy.
Posted on May 25, 2016 – 01:12 PM by Realty Executives Suncoast
This is up nearly 17% looking at prices too. The median home price of $321,100 that is substantially higher than we saw in April of 2015 where we were around you know $280,000. Now we are seeing supply dropped to a 4.7 month supply we were at a 5.8 month. Read more
Posted on May 23, 2016 – 01:42 PM by Realty Executives Suncoast
What do experts think about these urban Millennials have peaked and can people buy the houses they want? Well they can t buy the house they want unless they re one of the small group that actually bought in the urban centers like Washington DC for. Read more
Posted on April 27, 2016 – 11:39 AM by Realty Executives Suncoast
The government passed new legislation in 2008 to fix what went wrong with the (government security classifications) shortly thereafter they were put in conservatorship, which your supposed to conserve the assets rebuild capital. The government decided hol. Read more
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Employees Retirement System of Rhode Island #rhode #island #state #general #treasurer, #raimondo, #gina #raimondo,
State of Rhode Island: Office of the General Treasurer
Suspect Disability Pension Fraud?
ERSRI.org is your source for the latest information from Employees Retirement System of Rhode Island, the state s largest public employee retirement system.
The nearly $8 billion retirement system works with state employees, teachers, the Municipal Employees Retirement System (MERS), MERS police and fire, correctionalofficers, BHDDH nurses, state police, and judges regarding pension issues.
Here, you ll find the latest tools to help you plan for your retirement. calculate your benefits and eligibility, and understand how laws and regulations may affect you.
Planning to Retire Soon?
Are you planning to retire within the next nine months? If so, ERSRI offers group retirement counseling at our Warwick office. A benefit estimate and retirement forms are provided at the group sessions.
Please schedule your appointment six to nine months before retirement by contacting ERSRI at 401-462-7600.
The ERSRI Customer Service Center is open Monday – Friday from 8:30 a.m. until 4:00 p.m.
News and Updates
Treasurer Magaziner Votes Against Excessive Pay for Corporate Executives
May 25, 2017: During the ongoing 2017 shareholder season the Rhode Island pension fund will vote no on management-backed compensation plans for executives at publicly traded companies including Wal-Mart, American Express, Charter Communications, and pipeline builder NuStar Energy.
My job as Treasurer is to deliver strong financial performance for of our state s $8 billion pension fund. Rewarding executives with excessive salaries and bonuses goes against the interest of the fund and the public whom we serve, said Treasurer Magaziner. Executive compensation should be transparent and based on performance.
The no votes are in response to a fundamental misalignment between executive pay and company performance or because the pay packages are excessive or otherwise inappropriate.
Rhode Island Pension Fund Earns $79 million in April
May 24, 2017: The Rhode Island Pension Fund continued its recent strong performance in the month of April earning $79 million from investment gains Rhode Island General Treasurer Seth Magaziner today told members of the State Investment Commission.
We are implementing our Back-to-Basics investment strategy which is designed to provide more growth and greater stability through more traditional investments, said Treasurer Magaziner. Since we adopted Back-to-Basics we have seen consistent gains and are ahead of schedule in the move away from hedge funds.
Staying focused on long-term growth and stability will help us restore the health of our pension system and ensure that we never have to go through another painful pension reform like the one in 2011, continued Treasurer Magaziner.
With just two months remaining in the fiscal year, the fund has returned 9.8 percent in the ten months since July 1, 2016, beating its own benchmark of 9.5 percent and a 60% stock/40% bond portfolio which would have earned 8.8 percent.
All performance reported is net of fees. Detailed information about the fund s investment strategy, performance and managers can be found online at: investments.treasury.ri.gov
Treasurer Magaziner Votes Against Wells Fargo Board, Following Massive Fraud
April 24, 2017. Rhode Island General Treasurer Seth Magaziner has joined shareholders from across the country by voting against all sitting independent directors at Wells Fargo, following the massive fraud perpetrated against their customers. The Rhode Island pension fund currently owns 139,256 shares of Wells Fargo (NYSE: WFC).
Over the course of many years, the board of directors at Wells Fargo failed to provide adequate oversight of the company, including its illegal sales practices, said Treasurer Magaziner. Millions of Wells Fargo customers were harmed while the board abdicated their oversight authority – all while being compensated with shareholder s money. I cannot in good faith reward their indifference by voting to approve their continued tenure on the Wells Fargo board.
Providence Journal Op-Ed: Rhode Island Must Address Sick Pension Plans
On April 2, 2017, The Providence Journal published an Op-Ed by Treasurer Magaziner about how to help cities and towns with locally administered pension systems improve performance and reduce costs through the state s Municipal Employees Retirement System (MERS).
The piece reads, in part: . By far the biggest financial challenge Rhode Island faces today is the condition of our municipal pension plans. It s hard to believe, given the small size of our state, but Rhode Island has 150 municipal pension plans. These plans provide retirement security for the hard-working municipal employees who devote their careers to serving our local communities. These employees, and the taxpayers they serve, deserve to have pension plans that are healthy and sustainable.
Treasurer Magaziner Announces Plan to Strengthen Municipal Pension Systems
March 30, 2017: Continuing his commitment to bring a steady hand to public finances throughout the state, Rhode Island General Treasurer Seth Magaziner today announced the Healthy Local Pensions (HELP) proposal, which will help cities and towns with locally administered pension systems improve performance and reduce costs through the state s Municipal Employees Retirement System (MERS).
More than 75% of the municipal pension plans in Rhode Island are already in the state-run MERS system. Due to the size of the state pension system, municipal plans in MERS enjoy a healthy funding status, stronger investment performance and lower costs than most smaller locally-managed plans are able to achieve on their own. While the 116 municipal plan in the state system have an average funded status of 83%, the pension plans that remain locally administered carry a combined $2.4 billion unfunded liability. Of the 34 locally administered plans, 19 are below 60% funded and 12 are below 40%.
Rhode Island Treasury Releases 2016 Annual Report
March 2017: General Treasurer Seth Magaziner released Rhode Island Treasury s 2016 Annual Report, which contains highlights from the past year, including more than $500 million in investment gains, the Treasurer s new Back to Basics investment strategy, turnaround of the state s CollegeBound program, and a roundup of progress made in programs throughout Treasury.
Retirees: Does ERSRI Have Your Current Mailing and E-Mail Address?
Each month, ERSRI sends an e-mail to retirees letting you know that your Pay Statement is available to view, as well as quarterly e-mails letting you know when Compass . ERSRI s newsletter, is available. Additionally, ERSRI will be mailing 1099 tax statements during the first quarter of 2017.
Simply update any outdated information and click the green Update button and you re done.
Please schedule your appointment six to nine months before retirement by contacting ERSRI at 401-462-7600.
How to Form an LLC in Rhode Island
Here are the steps you need to take to form an LLC in Rhode Island. For more information on how to form an LLC in any state, see Nolo’s article How to Form an LLC .
1. Choose a Name for Your LLC
Under Rhode Island law, an LLC name must end with the words “Limited Liability Company” or the abbreviations “LLC” or “L.L.C.” (upper and lower case abbreviations are permitted).
Your LLC s name must be distinguishable from the names of other business entities already on file with the Rhode Island Secretary of State. Names may be checked for availability by at the Rhode Island Secretary of State business name database .
You may reserve a name for 120 days by filing a Reservation of Entity Name (Form 620) with the Rhode Island Secretary of State Corporations Division. The reservation can be filed online or by mail. The filing fee is $50.
2. File Articles of Organization
A Rhode Island LLC is created by filing Articles of Organization (Form 400) with the Secretary of State. The articles must include: the LLC’s name and address; how the LLC will be treated for federal tax purposes; the name and address of the LLC s registered agent; the name and address of each organizer of the LLC; whether the LLC will be member-managed or manager-managed; if the LLC is manager-managed, the managers’ names and addresses must be provided. The articles may be filed online or by postal mail. The filing fee is $150.
3. Appoint a Registered Agent
Every Rhode Island LLC must have an agent for service of process in the state. This is an individual or business entity that agrees to accept legal papers on the LLC s behalf if it is sued. The registered agent may be an Rhode Island resident or a business entity authorized to do business in Rhode Island. The registered agent must have a physical street address in Rhode Island.
All of the paperwork and procedural steps to start a limited liability company in Rhode Island can be done online using Nolo’s Rhode Island Online LLC Formation application.
4. Prepare an Operating Agreement
An LLC operating agreement is not required in Rhode Island, but is highly advisable. For help creating an LLC operating agreement, see Form Your Own Limited Liability Company. by Anthony Mancuso (Nolo) or use Nolo s Online LLC. If an operating agreement is created, it need not be filed with the Articles of Organization.
5. Publication Requirements
6. Comply With Other Tax and Regulatory Requirements
Additional tax and regulatory requirements may apply to your LLC. These may include:
EIN: If your LLC has more than one member, it must obtain its own IRS Employer Identification Number (EIN), even if it has no employees. If you form a one-member LLC, you must obtain an EIN for it only if it will have employees or you elect to have it taxed as a corporation instead of a sole proprietorship (disregarded entity). You may obtain an EIN by completing an online EIN application on the IRS website. There is no filing fee.
Business Licenses: Depending on its type of business and where it is located, your LLC may need to obtain other local and state business licenses.
Department of Taxation: In some cases, for example if you have employees or will be selling goods and collecting sales tax, you ll need to register with the Rhode Island Division of Taxation (DOT). In many cases, you ll at least begin the process online by completing Form BAR, Business Application and Registration Form. For more information on state LLC tax registration, check Nolo’s article LLC Annual Report and Tax Filing Requirements: A 50-State Guide .
7. File Annual Reports
All Rhode Island LLCs and foreign LLCs authorized to do business in the state must file a Limited Liability Company Annual Report (Form 632) with the Rhode Island Secretary of State and pay a $50 filing fee. The report must be filed each calendar year between September 1 and November 1, beginning with the year following the year in which the LLC’s original Articles of Organization were filed with the secretary of state. The report may be filed online or by postal mail. Be sure to follow up with your resident agent concerning the filing of this report.
8. Foreign LLCs Doing Business in Rhode Island
To do business in Rhode Island, all LLCs organized outside of the state must register with the Rhode Island Secretary of State. Foreign LLCs must appoint a registered agent for service of process. The agent may be a Rhode Island resident or a business entity authorized to do business in Rhode Island.
To register, file an Application for Registration (Form 450). The application must be filed by postal mail. The filing fee is $150.
The completed application must be accompanied by a certificate of legal existence or good standing from the foreign LLC s home state that is not more than 60 days old.
Before filing, make sure the LLC s name is available in Rhode Island by checking the state’s business name database .
Talk to a Business Law attorney.
Gurwin Jewish Nursing Home, Rehab – Retirement Community on Long Island #nursing #home, #retirement
Gurwin has been committed to the art of caring and the science of care for more than 25 years. Our full continuum of care offers housing options and quality health care for seniors across Long Island.
Gurwin’s skilled nursing community is not your traditional nursing home. Our full service, not-for-profit community and award winning programs provide the highest level of nursing health care on Long Island.
Gurwin’s Short-Term Rehabilitation programs are focused on helping our patients get back home as quickly as possible. Physical, Occupational and Speech Therapies are provided in state-of-the-art rehabilitation gyms, supported by the care and caring of our nursing and medical professionals.
Gurwin’s Adult Day Health Program provides nursing, rehabilitation, and other health services in a social and exciting atmosphere to adults of all ages. Door-through-door transportation is provided, as well as caregiver respite and support.
Working with Island Rehabilitation, Gurwin provides on-site dialysis for participants in any of our programs. This 12-station dialysis center is also available for residents of the community.
Fay J. Lindner Residences is Long Island’s premier assisted living community. We offer an unmatched level of care, superior amenities and exciting activities to keep our residents safe, comfortable and engaged. Memory Care is provided in our secure Enriched Pathways community.
Gurwin offers two home care programs providing personal care and companion services, as well as physician-ordered skilled services such as nursing care and rehabilitation.
Fountaingate Gardens is a proposed, not-for-profit Independent Living community on Long Island, and, once built, will create a full continuum of care on the Gurwin Campus.
The Gurwin Jewish Healthcare Foundation’s mission is to support quality health care, services and programs for frail, elderly and younger disabled adults. Learn how you can help.
Welcome to Gurwin Jewish
Meet our Assisted Living Centenarians
Eleven residents were recently inducted into the inaugural class of the Gurwin Centenarian Society. Listen to their reflections on life, love and longevity
For Information On Any Of Our Services
Gurwin Family of Services
More than 25 years of trusted Skilled Nursing, Rehabilitation and Assisted Living
Twenty-five years ago, we realized our dream to build a nursing home on Long Island which would provide the ultimate in quality care for our parents and grandparents. Our Board of Directors mandated that we take a leadership role, be at the forefront of creativity and innovation and set the standard for all retirement communities. In doing so, we have expanded from our original vision of a community nursing home and have created a full continuum of care, including skilled nursing care, world-class rehabilitation center. a renowned assisted living community. outstanding home care programs and an exceptional adult day health program. We are also announcing plans for our brand new independent living community. We are so much more than the typical Long Island retirement community, because we are not really a retirement community. Our level of nursing and rehabilitation care set us apart from the rest.
We are committed to the art of caring, providing trust and comfort to those who place their loved ones in our hands. Our outstanding staff provides the highest quality care and constantly demonstrates compassion for each of our residents, hospice patients, adult day health program participants, home care patients and assisted living residents. Every staff member is imbued with a commitment to treat our residents as if they were their very own family member, and that feeling of genuine caring is part of what makes Gurwin unique.
When it comes to retirement communities on Long Island look to the trusted name for more than 25 years. Look for the community with the higher level of care. Please take the time to read about what makes Gurwin special.
My mother has been a resident of Gurwin for the past 2 years. She has serious surgery and needs care concerning medication and nursing. The Gurwin staff, especially in the Wellness Dept. has been exemplary in taking care of her needs. Mom also had dietary needs and the other Gurwin staff members from the front [ ]
Tricia Donlon Hooghkirk
My Brother, Joseph Donlon just passed away 2 weeks ago. He was a resident of Gurwin for the past 2 1/2 years. While Joe was relatively young to be in a nursing facility ( he was 62) he absolutely LOVED Gurwin. Joe started at Gurwin as a rehab patient when he fell and shattered his [ ]
My Grandfather stayed at Gurwin and the staff could not have been better. They made sure he was well taken care of. In addition they were great to my family when we came to visit. I would recommend this facility to anyone in my family friends.
From the first meeting, every person was compassionate and helpful. There wasn t anything that they wouldn t do to make my mother comfortable and happy and they were supportive to all family members. The quality of the facility was superior with great attention to every detail. We were very happy with all the services.
Bob Harris moved to Gurwin s Assisted Living in March 2014. In less than a year, he has been a star in front of the camera, filming both this video and having his photo snapped for the 2015 calendar. He s formed a great group of friends, and has even been elected to the Resident Council. With [ ]
Long Island Location
Our 67-acre New York senior health care campus is located on Hauppauge Road in Commack, Long Island.
Four Point Insurance Inspections by Kross Inspectors #four #point, #wind #mitigation, #home #inspection, #real
Four Point Insurance Inspections
Update from Citizens Insurance Effective 9/1/2012:
As the leader of the Home Inspection Industry in Florida, Kross Inspectors has performed thousands of Four Point Inspections which have been accepted by Citizens Insurance and many other Insurance companies when underwriting older homes. In this article, we will briefly review the requirements issued by Citizens Insurance for ALL new policy issues effective 9/1/2012 (these requirements will go into effect for renewing policies on 10/1/2012):
- A Four Point Insurance Inspection MUST be submitted with all applications for homes more than 30 years old (Previously this requirement was for homes more than 50 years old.)
- Updated Plumbing Rules; properties with the following conditions ARE NOT eligible for coverage with Citizens Insurance: Signs of active leaks or unrepaired water damage, plumbing systems not in good working order, and the presence of polybutylene plumbing.
- Updated Electrical Rules: Requirements for remediation of aluminum branch circuit wiring have been added. Electrical service of less than 100 amps are NOT eligible for coverage (exceptions may be made for mobile homes under certain circumstances and additional review by an electrician).
HISTORY OF THE FOUR POINT INSURANCE INSPECTION:
The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After recent year’s barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowners insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.
In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.
The Four Point Insurance Inspection consists of a visual survey of the following four primary components:
- HVAC System
The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:
Current operating conditions Scheduled maintenance requirements Expected service life
Not all insurance companies require a Four Point Insurance Inspection and most typically only require it of homes older than 20 years upon issuance or renewal of a homeowner’s insurance policy. Please consult with your Insurance Agent prior to ordering a Four Point Insurance Inspection.
Appointments available with only 24 hours notice. Please call (877) 496-4662 (staff available daily from 8am-8pm).
You may also complete the short form below to schedule your Four Point Insurance Inspection.
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Online high schools in Rhode Island
Technology is big in the small state of Rhode Island: All public schools have access to high speed Internet and data connections thanks to the state’s participation in the federal E-rate program. In rural areas, financially disadvantaged students can use subsidized personal computers, and more than 400 schools and libraries connect to the Internet through a state relay network. The Rhode Island Department of Elementary and Secondary Education has also embarked on a project through the Bill Melinda Gates Foundation to integrate technology into the classroom.
Rhode Island is home to numerous public high schools, charter schools and private high schools. The mean SAT scores statewide in 2010 were below the national average, according to the state department of education, but academic achievement appears to be improving. In 2010, Rhode Island was ranked 20 th in the country on the 2012 Quality Counts survey, compared to 31 st place on the previous annual review. Some 9,700 students were graduated from public high schools in Rhode Island in 2011.
Options for Rhode Island online high schools
A 2011 study by the Evergreen Education Group found no full-time public online high schools in Rhode Island. Some schools provide supplemental online coursework for core subjects as well as electives. A virtual academy offers 80 selected online courses for grades 3-12; class tuition is paid by participating school districts. Programs are designed to provide options for a range of students, for example those seeking an extra challenge, or those who need to make up credits.
If you are seeking an alternative to a campus-based environment, you can explore private virtual academies, which typically provide expanded flexibility whether you are seeking full-time or part-time studies.
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