Jersey City List - Jersey City, NJ :: Forum

Re: NJ Manufacturer Home Owner insurance [by JadedJC]

Fri, 17 May 2013 03:39:44 -0000

Contractors::NJ Manufacturer Home Owner insurance
Quote:

SRhia wrote:
@JadedJC: I thought kitchen would fall under "Dwelling"? I was told that anything move-able goes under "Personal", and anything that does not move (e.g. stove, cabinets, fridge, etc) goes under "Dwelling".

I believe my insurance agent (at the time) offered me that explanation.

I just had a look at my policy and "N/A" is written in the column for Dwelling. My coverage is for Personal Property and Loss of Use. This is an HO6 policy specifically for condo owners. This is my second condo in JC, and both condos had similar policies under different insurers. The way it was explained to me both times was that the Dwelling would be covered under the building's master insurance policy, which is the responsibility of the condo association. The HO6 policy is designed to cover everything inside the walls of your condo unit - kitchen, bathroom, appliances, clothing, furniture, etc. So, if the building is a total loss, the building's master policy would cover rebuilding the entire structure, but your HO6 policy would cover replacing everything inside the unit itself.

I'm in a one-bedroom, and I renewed my policy for around $400/year about a month before Sandy ($100k personal property and $41k for loss of use). It will be interesting to see how much of an increase I'll get socked with when I renew later this year. I have friends in other buildings who have been warned that they're likely to be hit with an increase in monthly maintenance fees because the building is facing a steep hike in the premium for the master policy post-Sandy.

Anyway, looking at your earlier post, it sounds like the premium Manufacturers quoted you is for a single-family home and not an HO6 for a condo. You are in a condo, right? If I had the opportunity to switch to NJM, I would seriously consider it - even if the premium were higher than others. One of the consistent things I've heard about them is when the shit hits the fan, they do step up and pay up when other insurers are looking for ways to weasel out of paying you or to shortchange you. I wouldn't just look at the premium pricing alone, but I'd also look at the reputation of the company and how they treat people.

Re: Do you recommend particular Roofer? [by JCCheerleader]

Fri, 17 May 2013 02:41:31 -0000

Contractors::Do you recommend particular Roofer?
Do you have a flat roof or a pitched roof and what kind of material is on it?

Re: Electrician Recommendation [by owlie]

Thu, 16 May 2013 00:07:26 -0000

Contractors::Electrician Recommendation
I used CapnJon's recommendation for an electrician and I have to say that I totally agree with his assessment of Avolar, Inc.
I had a small job where my under-counter light needed to be removed and a new fixture installed. Edgard showed up exactly when promised and charged exactly what I was quoted. He is a very smart and pleasant man. I wouldn't hesitate to employ him again.
Thanks again CapnJon!

Re: Haircut for Guys [by 1bent]

Wed, 15 May 2013 01:54:39 -0000

Contractors::Haircut for Guys
Joe's at the corner of Griffith and Kennedy in the Heights, a traditional barber shop. He's very good, best beard trim I've gotten.

Re: Can Anyone Recommend an Urban Landscaper? [by o73o2]

Mon, 13 May 2013 22:25:04 -0000

Contractors::Can Anyone Recommend an Urban Landscaper?
Quote:

skwirrlking wrote:
we need a major overhaul of our backyard. thanks

http://asmallgreenspace.com/home/ ... emma redid our backyard. we have been very happy with her work and our new backyard is awesome.

Re: Home Theater Installation Companies [by anonymess]

Sat, 11 May 2013 01:24:45 -0000

Contractors::Home Theater Installation Companies
I needed something more advanced than Geek Squad and found exactly what I was looking for. Bear in mind I was not only looking for a new TV and installation, but also to upgrade some audio equipment.

I found 2 companies that fit different bills and recommend them both without hesitation. For TV's and other installations, Bob, the owner of Smart Home Integration was incredibly reasonable and listened to my needs. He was responsible for buying my TV, apple TV, stand and installation. --- 609-636-8510.

Audio Connection is a high end audio store in Verona. They've been around a long time and the owner, John, is an incredibly fair and knowledgeable person. I bought a high end amplifier and, incredibly, it was delivered because I need it in a rush! John also fixed up some of my other equipment and didn't ask for a cent. His price for the amp was lower than anyplace on the net. audioconnection.com.

What distinguishes these guys from everyone else I dealt with is they're love for what they do and they listen to what you want instead of trying to maximize profits. They are both righteous people. Although they are both not in the immediate area, they have no problem servicing JC.

I should also mention I dealt with a certain high end dealer in Jersey City who I'll leave nameless. Their main motive seemed to maximize profits. I gave him my budget and it went in one ear and out the other.

Re: Plumber? [by fraulein]

Fri, 10 May 2013 01:56:13 -0000

Contractors::Plumber?
I know some people have been asking about plumbers, and I can't recommend Byron enough:

Hutch Mechanical
201-888-4752

He's reasonable, easy to access, and seems to really care about solving your problems. We've used him for sump pumps, toilets, boiler and hot water heaters among the many times we flooded. He came the other day to work on our toilet, in the midst of us dealing with the flooding cleanup. He hung around to see if we needed anything.

When we thought we had issues with our sumps and hot water heater later on, he came that night and fixed our pilot light (thankfully, the only issue) at no charge and then came the next day to check on our pumps. He cleaned them out and they are perfect again.

Re: Seeking House Painter Recommendation [by Binky]

Tue, 07 May 2013 13:25:16 -0000

Contractors::Seeking House Painter Recommendation
Sent you a PM.

Re: dermatologist [by Giovanna]

Fri, 03 May 2013 14:05:55 -0000

Contractors::dermatologist
I go to Dr. Russak at Rigel Dermatology

http://www.rigelderm.com/

35 East 35th Street Suite 208 New York, NY 10016
between Park & Madison

Company to install deck railing [by dcj]

Wed, 01 May 2013 17:20:56 -0000

Contractors::Company to install deck railing
can anyone recommend a company to install a glass or wire railing on a deck. thx