michael albert netter perandonakis cretikos (14 results)

Paperback. Condition: new. Paperback. Manuscript: Building Insurance: Your GuideSynopsis-Long Form 22082024 (characters with spaces 3240 Words 476)Opting for the minimum Replacement Value insurance coverage can result in inadequate or non-existent cover for Architect Fees and Charges and Debris Removal costs due to the potential exhaustion or underfunding of the BSI Value. Minimum insurance replacement value will also not provide for any escalation in building costs and limited or zero accommodation expenses necessary after an Event. In the case of the insurer declaring a "total loss," it is likely no additional benefits will be provided besides the BSI Value. Insurance providers limit their liability to incurred costs, as allowed by laws. There is a variation among policies concerning the provision and execution of supplementary costs, such as for temporary accommodation expenses in strata insurance policies and a safeguard system with non-strata home insurance policies. For low-rise buildings, I present a method for determining the BSI Value in the event of destruction, catastrophe, total loss, or constructive total loss. This method incorporates an escalation factor for building costs and an escalation period of 104 weeks for accommodation expenses similar to the NSW strata legislation insurance formulation method that incorporates the gross building areas and common areas contents requiring work.In the case of high-rise buildings, my distinct BSI Value formulation method takes into account Rental Values and extends the escalation period for accommodation expenses to a minimum of 208 weeks, in addition to applying a similar approach used for low-rise buildings. It also addresses local council planning requirements for code compliance, leading to an elevated supercharged BSI Value. The Rental Values method facilitates a fair and more precise evaluation of proportional disbursement for repairs and maintenance expenses among the diverse space components of the building.It is important to note that the Insurance Product Disclosure Statement always supersedes the Building Insurance Schedule Offer. To minimize such inconveniences, it would be advantageous to enforce a legally established and well-structured insurance agreement, supported by the thoroughness of the Building Insurance Valuation Report. The Report should encompass the minimum replacement value and the full estimated catastrophe costs value for both strata and non-strata insurance policies. This would allow for distinguishing between BSI Values for minimum and full expenses. In the event that the estimated total expenses valuation is selected, any additional costs must be capable of being segregated, if required, from the insured value of the BSI Value, subject to potential legislative modifications allowing for such segregation.Governments recommend that individuals obtain insurance coverage for Full Costs. Nevertheless, in the event that the insured amount surpasses the replacement value, any excess amount beyond the replacement value cannot be readily accessed in times of urgency. As a consequence, insurance policies of various types are fundamentally unjust. If the recommended legislative modifications are not put into effect, the consumer/insured will continue to be deprived of justice. The purpose of this publication is to promote the progress of this matter. Book Short Description 30 wordsI aim to enhance property owners' readiness to evaluate accurately the correct BSI Value they should have to minimize out-of-pocket costs. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.

Paperback or Softback. Condition: New. Building Insurance Your Guide: How to Select the Correct Building Sum Insured Value for both Low-rise and High-rise Structures. 0.54. Book.

Hardcover. Condition: new. Hardcover. Manuscript: Building Insurance: Your GuideSynopsis-Long Form 22082024 (characters with spaces 3240 Words 476)Opting for the minimum Replacement Value insurance coverage can result in inadequate or non-existent cover for Architect Fees and Charges and Debris Removal costs due to the potential exhaustion or underfunding of the BSI Value. Minimum insurance replacement value will also not provide for any escalation in building costs and limited or zero accommodation expenses necessary after an Event. In the case of the insurer declaring a "total loss," it is likely no additional benefits will be provided besides the BSI Value. Insurance providers limit their liability to incurred costs, as allowed by laws. There is a variation among policies concerning the provision and execution of supplementary costs, such as for temporary accommodation expenses in strata insurance policies and a safeguard system with non-strata home insurance policies. For low-rise buildings, I present a method for determining the BSI Value in the event of destruction, catastrophe, total loss, or constructive total loss. This method incorporates an escalation factor for building costs and an escalation period of 104 weeks for accommodation expenses similar to the NSW strata legislation insurance formulation method that incorporates the gross building areas and common areas contents requiring work.In the case of high-rise buildings, my distinct BSI Value formulation method takes into account Rental Values and extends the escalation period for accommodation expenses to a minimum of 208 weeks, in addition to applying a similar approach used for low-rise buildings. It also addresses local council planning requirements for code compliance, leading to an elevated supercharged BSI Value. The Rental Values method facilitates a fair and more precise evaluation of proportional disbursement for repairs and maintenance expenses among the diverse space components of the building.It is important to note that the Insurance Product Disclosure Statement always supersedes the Building Insurance Schedule Offer. To minimize such inconveniences, it would be advantageous to enforce a legally established and well-structured insurance agreement, supported by the thoroughness of the Building Insurance Valuation Report. The Report should encompass the minimum replacement value and the full estimated catastrophe costs value for both strata and non-strata insurance policies. This would allow for distinguishing between BSI Values for minimum and full expenses. In the event that the estimated total expenses valuation is selected, any additional costs must be capable of being segregated, if required, from the insured value of the BSI Value, subject to potential legislative modifications allowing for such segregation.Governments recommend that individuals obtain insurance coverage for Full Costs. Nevertheless, in the event that the insured amount surpasses the replacement value, any excess amount beyond the replacement value cannot be readily accessed in times of urgency. As a consequence, insurance policies of various types are fundamentally unjust. If the recommended legislative modifications are not put into effect, the consumer/insured will continue to be deprived of justice. The purpose of this publication is to promote the progress of this matter. I aim to enhance the readiness of property owners to be able to accurately evaluate the correct BSI Value they should have to minimize out-of-pocket costs. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.

Hardback or Cased Book. Condition: New. Building Insurance Your Guide: How to Select the Correct Building Sum Insured Value for both Low-rise and High-rise Structures. 0.89. Book.

Paperback. Condition: Brand New. 176 pages. 6.00x0.38x9.00 inches. In Stock.

Condition: Hervorragend. Zustand: Hervorragend | Sprache: Englisch | Produktart: Bücher.

Hardcover. Condition: Brand New. 176 pages. 6.00x0.44x9.00 inches. In Stock.

Condition: Hervorragend. Zustand: Hervorragend | Sprache: Englisch | Produktart: Bücher.

Paperback / softback. Condition: New. This item is printed on demand. New copy - Usually dispatched within 5-9 working days 245.

Hardback. Condition: New. This item is printed on demand. New copy - Usually dispatched within 5-9 working days 404.

Buch. Condition: Neu. This item is printed on demand - it takes 3-4 days longer - Neuware -Manuscript: Building Insurance: Your GuideSynopsis-Long Form 22082024 (characters with spaces 3240 Words 476)Opting for the minimum Replacement Value insurance coverage can result in inadequate or non-existent cover for Architect Fees and Charges and Debris Removal costs due to the potential exhaustion or underfunding of the BSI Value. Minimum insurance replacement value will also not provide for any escalation in building costs and limited or zero accommodation expenses necessary after an Event.In the case of the insurer declaring a 'total loss,' it is likely no additional benefits will be provided besides the BSI Value.Insurance providers limit their liability to incurred costs, as allowed by laws.There is a variation among policies concerning the provision and execution of supplementary costs, such as for temporary accommodation expenses in strata insurance policies and a safeguard system with non-strata home insurance policies.For low-rise buildings, I present a method for determining the BSI Value in the event of destruction, catastrophe, total loss, or constructive total loss. This method incorporates an escalation factor for building costs and an escalation period of 104 weeks for accommodation expenses similar to the NSW strata legislation insurance formulation method that incorporates the gross building areas and common areas contents requiring work.In the case of high-rise buildings, my distinct BSI Value formulation method takes into account Rental Values and extends the escalation period for accommodation expenses to a minimum of 208 weeks, in addition to applying a similar approach used for low-rise buildings. It also addresses local council planning requirements for code compliance, leading to an elevated supercharged BSI Value.The Rental Values method facilitates a fair and more precise evaluation of proportional disbursement for repairs and maintenance expenses among the diverse space components of the building.It is important to note that the Insurance Product Disclosure Statement always supersedes the Building Insurance Schedule Offer. To minimize such inconveniences, it would be advantageous to enforce a legally established and well-structured insurance agreement, supported by the thoroughness of the Building Insurance Valuation Report. The Report should encompass the minimum replacement value and the full estimated catastrophe costs value for both strata and non-strata insurance policies.This would allow for distinguishing between BSI Values for minimum and full expenses. In the event that the estimated total expenses valuation is selected, any additional costs must be capable of being segregated, if required, from the insured value of the BSI Value, subject to potential legislative modifications allowing for such segregation.Governments recommend that individuals obtain insurance coverage for Full Costs. Nevertheless, in the event that the insured amount surpasses the replacement value, any excess amount beyond the replacement value cannot be readily accessed in times of urgency. As a consequence, insurance policies of various types are fundamentally unjust. If the recommended legislative modifications are not put into effect, the consumer/insured will continue to be deprived of justice. The purpose of this publication is to promote the progress of this matter. 176 pp. Englisch.

Taschenbuch. Condition: Neu. nach der Bestellung gedruckt Neuware - Printed after ordering - Comprehensive guidance is given to determine suitable Building Sum Insured (BSI) values for both low-rise and high-rise structures, and enhancements to the IVSC and NSW insurance calculation methodologies are suggested. This text focuses on discrepancies in the valuations of high-rise properties. This analysis examines the intricacies of property insurance, emphasizing the perils of inadequate coverage within the Australian market and provides globally pertinent insights. Cretikos offers a comprehensive analysis of existing insurance policy deficiencies and suggests a superior BSI Value method. His analysis seeks to inform property owners about obtaining sufficient insurance to mitigate financial losses and avoid legal vulnerabilities. This indispensable resource demystifies the intricate process of determining the correct Building Sum Insured (BSI) Value for any situation.Recommended Reading Globally applicable and tailored for homeowners, owners' corporations, real estate professionals and property managers, insurance brokers and associated agents, building experts and developers alike, strata managers and lawyers, lawmakers and regulatory authorities, affordable and social housing authorities. Inside, you'll discover takeaways including:Understanding Underinsurance Homeowners and strata corporations often underestimate rebuilding costs, leading to financial shortfalls during claims. The book explains how inflation, increases in building costs after the event, regulatory compliance, and temporary accommodation costs can make standard Replacement Value insurance policies inadequate, especially for high-rise applications causing massive out-of-pocket costs.Importance of an Accurate BSI Value Conventional Replacement Value formula rarely covers all costs after an insurance claim. The text designates Current Rental Values as the foundation for calculating the initial insured amount. These are valuable for high-rise valuations, as Architect Fees and Charges are calculated on full project costs, and the unequal Lot Entitlement formula becomes redundant because of the transparent and fair distribution of repair and maintenance expenses. Applicable to foreign geographies such as British Columbia, Canada, where using habitable areas is unsafe.Flaws in Current Insurance and Legislation Current strata and general home insurance laws do not effectively protect against major monetary losses. The book advocates for legislative reforms to ensure policies cover destruction, catastrophe, total loss, and constructive total loss so that these scenarios provide for supplementary benefits in full, besides the BSI Value, as noted in the Valuation Schedule Offer or PDS wording.Common Insurance Pitfalls Insurance providers often structure policies to limit or depreciate payouts, leaving homeowners and strata corporations responsible for large out-of-pocket costs. This may occur if you do not repair or rebuild or replace your property on another site. Policies may not explicitly include accommodation or any supplementary expenses, leading to financial hardship with disasters.Innovative Insurance Valuation Methods The book introduces new insurance valuation tables that go beyond traditional methods. The valuation of high-rise properties causes a method distinct from the IVSC approach, given the extended reconstruction periods and amplified expenses not considered by the IVSC or other jurisdictions.Case Studies & Practical Applications The book presents Molly's Loss Story.

Buch. Condition: Neu. nach der Bestellung gedruckt Neuware - Printed after ordering - Manuscript: Building Insurance: Your GuideSynopsis-Long Form 22082024 (characters with spaces 3240 Words 476)Opting for the minimum Replacement Value insurance coverage can result in inadequate or non-existent cover for Architect Fees and Charges and Debris Removal costs due to the potential exhaustion or underfunding of the BSI Value. Minimum insurance replacement value will also not provide for any escalation in building costs and limited or zero accommodation expenses necessary after an Event.In the case of the insurer declaring a 'total loss,' it is likely no additional benefits will be provided besides the BSI Value.Insurance providers limit their liability to incurred costs, as allowed by laws.There is a variation among policies concerning the provision and execution of supplementary costs, such as for temporary accommodation expenses in strata insurance policies and a safeguard system with non-strata home insurance policies.For low-rise buildings, I present a method for determining the BSI Value in the event of destruction, catastrophe, total loss, or constructive total loss. This method incorporates an escalation factor for building costs and an escalation period of 104 weeks for accommodation expenses similar to the NSW strata legislation insurance formulation method that incorporates the gross building areas and common areas contents requiring work.In the case of high-rise buildings, my distinct BSI Value formulation method takes into account Rental Values and extends the escalation period for accommodation expenses to a minimum of 208 weeks, in addition to applying a similar approach used for low-rise buildings. It also addresses local council planning requirements for code compliance, leading to an elevated supercharged BSI Value.The Rental Values method facilitates a fair and more precise evaluation of proportional disbursement for repairs and maintenance expenses among the diverse space components of the building.It is important to note that the Insurance Product Disclosure Statement always supersedes the Building Insurance Schedule Offer. To minimize such inconveniences, it would be advantageous to enforce a legally established and well-structured insurance agreement, supported by the thoroughness of the Building Insurance Valuation Report. The Report should encompass the minimum replacement value and the full estimated catastrophe costs value for both strata and non-strata insurance policies.This would allow for distinguishing between BSI Values for minimum and full expenses. In the event that the estimated total expenses valuation is selected, any additional costs must be capable of being segregated, if required, from the insured value of the BSI Value, subject to potential legislative modifications allowing for such segregation.Governments recommend that individuals obtain insurance coverage for Full Costs. Nevertheless, in the event that the insured amount surpasses the replacement value, any excess amount beyond the replacement value cannot be readily accessed in times of urgency. As a consequence, insurance policies of various types are fundamentally unjust. If the recommended legislative modifications are not put into effect, the consumer/insured will continue to be deprived of justice. The purpose of this publication is to promote the progress of this matter.

Buch. Condition: Neu. This item is printed on demand - Print on Demand Titel. Neuware -Manuscript: Building Insurance: Your GuideSynopsis-Long Form 22082024 (characters with spaces 3240 Words 476)Opting for the minimum Replacement Value insurance coverage can result in inadequate or non-existent cover for Architect Fees and Charges and Debris Removal costs due to the potential exhaustion or underfunding of the BSI Value. Minimum insurance replacement value will also not provide for any escalation in building costs and limited or zero accommodation expenses necessary after an Event.In the case of the insurer declaring a 'total loss,' it is likely no additional benefits will be provided besides the BSI Value.Insurance providers limit their liability to incurred costs, as allowed by laws.There is a variation among policies concerning the provision and execution of supplementary costs, such as for temporary accommodation expenses in strata insurance policies and a safeguard system with non-strata home insurance policies.For low-rise buildings, I present a method for determining the BSI Value in the event of destruction, catastrophe, total loss, or constructive total loss. This method incorporates an escalation factor for building costs and an escalation period of 104 weeks for accommodation expenses similar to the NSW strata legislation insurance formulation method that incorporates the gross building areas and common areas contents requiring work.In the case of high-rise buildings, my distinct BSI Value formulation method takes into account Rental Values and extends the escalation period for accommodation expenses to a minimum of 208 weeks, in addition to applying a similar approach used for low-rise buildings. It also addresses local council planning requirements for code compliance, leading to an elevated supercharged BSI Value.The Rental Values method facilitates a fair and more precise evaluation of proportional disbursement for repairs and maintenance expenses among the diverse space components of the building.It is important to note that the Insurance Product Disclosure Statement always supersedes the Building Insurance Schedule Offer. To minimize such inconveniences, it would be advantageous to enforce a legally established and well-structured insurance agreement, supported by the thoroughness of the Building Insurance Valuation Report. The Report should encompass the minimum replacement value and the full estimated catastrophe costs value for both strata and non-strata insurance policies.This would allow for distinguishing between BSI Values for minimum and full expenses. In the event that the estimated total expenses valuation is selected, any additional costs must be capable of being segregated, if required, from the insured value of the BSI Value, subject to potential legislative modifications allowing for such segregation.Governments recommend that individuals obtain insurance coverage for Full Costs. Nevertheless, in the event that the insured amount surpasses the replacement value, any excess amount beyond the replacement value cannot be readily accessed in times of urgency. As a consequence, insurance policies of various types are fundamentally unjust. If the recommended legislative modifications are not put into effect, the consumer/insured will continue to be deprived of justice. The purpose of this publication is to promote the progress of this matter.Libri GmbH, Europaallee 1, 36244 Bad Hersfeld 176 pp. Englisch.