Do I Really Have To Pay My Deductible?

When you purchase a homeowners insurance policy, one of the decisions to be made is at what price point you want to set your deductible. The deductible is the amount you must pay personally BEFORE the insurance company steps in to cover the remainder of the loss amount. Essentially, you are self-insured up to the amount of your deductible.

When you file an insurance claim, either the insurance adjuster or a contractor, such as Champion Construction, will write a repair estimate. Let's say you had a $500 deductible, and the claim total was $5,000. The insurance company would issue a check for $4,500, with you personally owing the remaining $500. So, now you have a check for $4,500 and you want to know if the contractor can repair your home for that amount ONLY, saving you $500 hard-earned dollars. The short answer is "No", but let's take a step back into history for a moment.

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Superbowl 44 - Congrats New Orleans Saints

If you are a New Orleans Saints fan, elation doesn't quite sum up your feelings after last night's game. We've got a couple of Who Dat's here at Champion and their feet don't seem to be touching the ground today. I'm happy for them, though I was cheering for the Colts to win. Regardless of who you were rooting for, there are definite actions which were keys to last night's victory.

1. Preparation: Both teams were well-prepared. They studied films from their opponents previous games and looked for weakness to exploit and tendencies that might reveal what plays might be called in various situations. Then they developed their own plan designed to take advantage of what they observed.

2. Practice: There is no substitute for practicing your art, whether it be playing a musical instrument, driving a race car or playing a team sport. Practice makes perfect. The goal is to execute your art without even thinking about the multitude of processes that make up each action.

3. Execution: Everything boils down to execution. Although preparation and practice are vital, making it happen when it counts is all that matters. This is where all the hard work pays off. The "thrill of victory" or the "agony of defeat".

I watched the game with a group of friends last night, a mix of fans for both teams. There was trash talk to be sure, but, in the end, the Colts fell short. The Saints proved to be the superior team, having executed their game plan perfectly. All of their hard work culminating in a Superbowl win, the ultimate goal of every kid who ever played the game of football. I hope the city of New Orleans survives the celebration!

I, personally, now look forward to Superbowl 45, in which I hope a certain team named the Atlanta Falcons will have the opportunity to enjoy the sweet taste of victory that the Saints are currently experiencing.

Jerry Quarles - Estimator

Blake Shelton at The Fred

My wife (Jennifer) and I had a most enjoyable time this past Saturday night. Being country music fans, we were excited to have tickets for Blake Shelton’s concert at the Fred Brown Jr. Amphitheater in Peachtree City. Rain and cooler temperatures were predicted for Saturday, but held off until Sunday, which we were very happy about.

As it turns out, we had Atlanta Braves pitcher Tim Hudson, and his wife Kim, to thank for bringing this concert to town. The concert was a fund-raiser for the Hudson Family Foundation.

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