Still a heck of a lot better than magnetic tape - or NVRam.
The big drawback to today's rewritables for archival use is they CAN
be erased and over-written or altered while write-once media cannot.
Then of course there is the issue of poor quality Chinese Crap being
passed off as quality media - but that's a totally different story.
As far as making sure my important files survive a fire.. I use Carbonite
online backup to keep my entire drive contents securely backed up in a
remote location.. works pretty well. I had my brother sign up for it too,
and it rescued all his data when his laptop hard drive crashed.
Just take them with a digital, put in a folder structure (by inside,
outside, room, whatever), zip it with "save full path info" and email it
to yourself at like Yahoo. It's then there all nice and safe and
accessable from anywhere. They do the safekeeping and backups.
I've had emails sit there for years in a folder.
Find another agent. This one is deliberately putting in wrong
information to get a lower rate quote. He wants to make sure you buy
the policy from him so he gets his commission. He doesn't care that by
falsifying info on that application, the policy may prove worthless
when you need it most.
It doesn't matter how great a price you get on insurance if it isn't
going to cover you when things go pear shaped.
Doubt they would not pay for a fire because you have an extra dog, but they
may not pay for a pool injury if you have the wrong type listed. Maybe your
agent is trying to slip in a low ball price? If the application looks like
fraud, claims may be in jeopardy.
It reminds me of an old Alan King bit. He said he had a small fire in
his house and called his insurance agent to initiate a claim. The agent
looked up his policy and said, "I see here that you have our Fire and
Theft policy." King acknowledged that that was what he had. "OK, let's
see, said the agent,"was anything stolen?" "No," replied King, "just
fire damage." The agent said he was sorry, but a claim wasn't possible.
"What do you mean, I can't make a claim?" replied King, "I had a FIRE."
"I understand," replied the agent, "but in order to be covered, you
would need to have our Fire OR Theft policy."
Ask your broker, not us. Who the heck are we that you would potentially
jeopardize your (and your family's) financial future over?
If for some inexplicable reason you don;t trust your broker, talk to your
local, municipal, state/province or federal regulator
In cases like this it's always good to get a real and professional opinion.
if you have a claim the company can claim insurance fraud and not pay
anything.... insurance fraud is serious. you can go to jail, although
in these examples they may just not pay.
the broker just wants the comission
My daughter is a registered broker - and this kind of practice is
SERIOUS. There are unscrupulous brokers out there who will do ANYTHING
to write a policy, for the small commission involved.
They can lose a LOT by pulling those tricks. They want to be sure
their E&O insurance is paid up - and if they get caught once too
often, they may be unable to GET E&O insurance in the future.
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