For claims like car crashes, its pretty cut and dry (they pay for full repairs), as are many smaller claims, but on these claims that require a general contractor, your claim will be underpaid every time because the insurance company knows you don't know any better that their estimate is just a starting point.

Drywall was cut up 4 feet, carpet removed and dried, pad replaced, etc etc. 

.- dry team bill was sent directly to the insurance- insurance adjuster said that they will send me a check , that will cover for the floors and a cabinet repair.- tenant went to hotel for a day and now moved out of the house until we fix it.Questions:1. loss of rent - is this covered in my insurance?

Holistic Health Care doctors use a PMA when the FDA tells them they can't offer anything other than prescribed drugs.Chiropractors have used PMAs to get started when Chiropractic care was seen as fringe medicine.Restaurants use them to serve alcohol in dry counties.A PMA is nothing more than contract law where two people engage in a contract and in their 1st amendment right to association tell the government they have NO jurisdiction. 

It allows we to story dry powder for deals.

Eventually the severance is going to dry out and some landlords would like to liquidate to get their cash out.I see that you're from Hinton AB - Nice spot, (I am there around 3 times a year for work) :)Ram

I'm basically doing tax prep all year keeping receipts, records, like the rest of us.I try to do a dry run of taxes before year end and get my deductions for expenses organized and look over profit margins.December is CRUNCH month and I try and see if paying insurance or seasonal maintenance for the upcoming year will make a difference on expenses before year ends if I choose to pay it early. 

What you'd want to avoid is just sitting on dry powder getting eaten up by inflation.

I also go and start towels in a couple of units when we have multiple turnovers, they are the longest to dry. 

The opposite seems to be true in the other directions.Again, not saying it's cut and dry, but it somewhat seems to be the case.