There are a LOT of major storms brewing all over the US currently, so here’s my yearly thread of helpful tips from a licensed property and casualty adjuster:
Casinos are structured to purposely make you spend more time in there. No clocks on the walls, dim lighting, and they pump fresh air in the buildings to keep you awake and to keep the smoke from settling. That’s why you never see clouds of smoke when walking through
Please hire a licensed and bonded contractor to complete your home inspection before buying. The inspection completed by the bank/mortgage company is in their best interest, not yours and any repairs needed after purchase are your expense, insurance won’t cover existing damages
Not only is housing in general unaffordable, even high end new houses are increasingly made like crap.
The idea of investing in a home that’ll last your family for generations is increasingly a fairy tale.
Check the special limits of insurance on your homeowner’s/renter’s policies. Your personal property is covered, but only under specific circumstances and certain items only up to a specified limit
Homeowner’s policies do NOT cover floods, you need a separate policy for that coverage
Renter’s policies cover floods, but again, check the special limits of insurance for certain categories of items
Removing myself from the idea of permanence in my relationships, romantic and platonic, allows me to accept my connections for what they are for the length of time I’m supposed to have them. As long as they remain healthy and happy, I’ll nurture them until they’re no longer mine
If you think your area will not flood, think again. Example, hurricane Ida flooding the Northeast after hitting Louisiana. I can’t tell you how many claims were denied because most people thought a flood policy was unnecessary up there
Y’all, can I take a moment to brag on my GENIUS nephew??
He’ll be heading to the University of Michigan on a full ride scholarship to their engineering physics program, with a focus in bioengineering
My babies make me so fucking proud! 😭
One of my favorite things about being in love with Alex is that she makes my brain feel good. I was in a full blown manic episode for nearly 2 weeks and she didn’t bat an eye, never made me feel like a burden, gave gentle reminders about my meds…
“I bet that when God made you, he cussed for the first time. I bet he turned to an angel, gave him a high five, and said ‘Goddamn I’m good!’”
After only knowing you for 2 weeks, I knew that I wanted forever with you. Here we are 2 years later and I’m still constantly in awe
Essentially, kitchen table polyamory is my vibe. I enjoy being able to talk to my partners about each other, get advice if needed, help plan shit, etc. My partners don’t have to be best friends, but there shouldn’t be any awkwardness or tension between them in our dynamic
I could use every descriptor that exists, but they’re all massively underwhelming when it comes to you and the true jewel that you are. To celebrate you another year is always a blessing. Happy birthday, Sunshine. Until the day is night and night becomes the day ❤️❤️
@_alexxaye
Removing myself from the idea of permanence in my relationships, romantic and platonic, allows me to accept my connections for what they are for the length of time I’m supposed to have them
The sweetest, most unquantifiable loves I’ve ever known. My roots are planted and nurtured, yet I’m still touching heaven daily. To love and be loved by you is a privilege and an honor
Until the day is night and night becomes the day. Always, in all ways ♥️💛
Last night while Monica was performing in Detroit, she saw a man in the crowd hit a woman.
Goonica jumped straight out, not only did she stop performing, sis jumped into audience to make sure things were handled.
Truly one of my favorite parts. I can tell something is wrong by the way she says my name, or when she’s anxious vs in deep thought by the particular way she fidgets with her hands. Being intentional and proactive allows me to ensure I’m always showing up in the way she needs
This is one of my favorite things about being in love. I can tell you exactly how many breaths this boi will take before responding to something.
To me, there's nothing more intimate than the knowing.
Check your policy’s additional coverages for food spoilage/refrigerated products. Most states, with the exception of NC, will provide up to $500 of food spoilage reimbursement with no deductible applied
Folks also have to understand that there’s a major difference in what you’re capable of versus what your current capacity is
You’re probably capable of loving and showing up for multiple ppl, but do you have the capacity to maintain what you established and committed to?
Did a phone interview and was asked to come in the next day for a management position. Got in and the white hiring manager refused to shake my hand and told me to wait for her in her office. 10 minutes later her assistant says she had a family emergency and had to leave
Find out if your state/county has a windstorm exclusion. Certain areas will not cover any damages that are a result of a wind or hail storm. If you’re in one of those counties, your insurance carrier may have an agency company, if not then contact FEMA for a windstorm policy
Random fact: all Disney theme parks have trash cans placed every 30ft to discourage littering, bc studies show that’s the average length someone will hold their trash before getting rid of it
For any of my mutuals impacted by freezing/ burst pipes, I’m a licensed property & casualty adjuster. If you need help navigating your policy or determining if you qualify for lodging/food expenses, I’m happy to help
This includes lodging, food, gas, mileage, and additional expenses incurred to mitigate further damage to your home (tarps, boarding, generators, etc.)
Going over babe’s birthday plans, and I’m just sitting here thinking how completely and genuinely enamored I am with my woman. Like, I’m blown away daily by the way in which all parts of me are loved fully, and handled with such grace and softness
Your policy has coverage for additional living expenses in the event your home becomes unlivable due to a covered loss in your policy OR if you’re required to evacuate by order of a civil authority. Expenses that exceed your normal cost of living will be issued with no deductible
FYI name update:
I’ve been trying to decide what name I feel best fits me once it’s time for my gender marker change. I spent the weekend introducing myself to some folks as Jalen and it felt perfect so I’m committing to it
Jalen/Jay/JC can all be used interchangeably 🫶🏾🫶🏾
“I imagine that when God made you, I bet he cussed for the first time. I bet he turned to an angel, gave him a high five, and said Goddamn I’m good!”
It’s an honor to love you, and my greatest blessing to be loved by you. Always, in all ways ♥️
@_alexxaye
I have never been handled so gently. Never been seen fully with such intentionality and attention to detail
The love she gives is transformative and full bodied. I didn’t even believe I was deserving of experiencing and being on the receiving end of it
As a licensed property adjuster with brothers that are GCs, I see and deny shoddy work daily. These new builds aren’t stable, and the materials used in the older homes aren’t really made anymore. If you’re buying a new build, keep ALL of the paperwork on the builders for 10yrs
Leo women are a lot when they’re not getting enough attention or food. Be intentional in your actions, love them out loud, stroke their ego a little, and don’t have them looking a fool/embarrassed. In return, a Leo will be one of the most solid people in your life
Tips from a licensed casualty adjuster:
Call your insurance company and check if you have a flood policy with them. Also ask if your homeowner’s policy has a windstorm exclusion, bc that could void any coverage for damages from wind in certain counties
I use the term “forever” with all of my folks, bc forever is as long as it feels healthy, safe, and fulfilling on both sides. I’ll nurture them until they’re no longer mine, and be able to remove myself from the romantic aspect without feeling like it wasn’t “long enough”
They also have self exemption lists, where you can ban yourself from the property. You can choose an increment of years or a lifetime ban. By doing so, you’re willingly giving security/police authorization to arrest your for trespassing if you come back within the set timeframe
Y’all might get tired of me talking about it, but I truly don’t care bc I’m always gonna be proudly and boldly in love with her. I’m enamored by her daily. She is home
I love my folks in a way that is tailor made for them specifically, not a copy/paste version for each person. Anticipating needs and desires actually brings me joy bc not only do I trust myself enough to be confident in how I’m showing up, but they know that my love is dependable
Car maintenance?? My girls?! Yuck!!
Paying for my alignment means that we’re clearly not in alignment, and I’ve failed you. Sit down somewhere and be a fucking lady
*a moment to brag on myself a bit*
I am most definitely a solid nigga. I’m nowhere near perfect and I make mistakes like everyone else, but I really am a great partner and I don’t think I give myself enough credit for that
Literally what it feels like. The way I watch her, talk to and affirm her, pray over her while she’s sleeping. Even subconsciously, I want her bones, blood, and organs to know that I’m devoted to her
My only issue with the full name thing is that some folks don’t like to respect/address you by your chosen name once they know your full name. My experiences are a little more varied as a trans man tho. Folks love to try and “guess” your dead name and I don’t like that
It’s about fucking time they got his ass. Shouldn’t have even been on any school’s staff, let alone the girl’s basketball coach
Now let’s get all the teachers/administrators who covered for him too bc they all knew. The whole fucking school did
Tampa Bay Tech HS Girls Basketball coach arrested. 6 charges of UNLAWFUL SEXUAL ACTIVITY WITH A MINOR (AUTHORITY FIGURE OVER STUDENT).
#FloridaBasketballBulletin
“If touching love is touching God, no wonder I’m in heaven when I’m holding you.” If I could walk backwards to the day that I met you, I wouldn’t change a thing
Happy anniversary and happy birthday my Sunshine. I love you, always, in all ways ♥️♥️
@_alexxaye
Oh mummy, how I miss you so. Some nights you find me in my dreams. I wake up still feeling your embrace and I’m excited to go back to sleep, hoping you’re waiting for me to return and greeting me with that bright smile. Until we dance again, my angel. Happy Mother’s Day Tish ❤️❤️
When I say that I love her always, in all ways, I mean just that. Each day, loving her and showing up for her with intention is my goal, and that will remain the same as long as she’s willing to have me
My love, my Princess. What a blessing it is to celebrate every version you and all that you are. Happy birthday my sweet baby. I love you til the end of time ❤️❤️
Most of them are legally required to provide a 10yr workmanship warranty. Your insurance company will only cover for sudden and accidental damages, and only to the extent that is compliant with your particular state’s guidelines