Also known as a Comprehensive Loss Underwriting Exchange is a claims history database that enables all insurance companies to access consumers claims information when they are underwriting an insurance policy.
Here is how it works….even if you as a homeowner have never had any claims or problems getting home insurance this will still affect you. If you happen to be purchasing a house that has had claims made against the home you may be unable to get homeowners insurance.
Another flaw in the system is that the only one able to obtain a clue report on the house (besides the insurance agency) is the homeowner of the property. Make sure when you are writing up a contract on a house that the insurance contingency paragraph is marked on the agreement.
If when a homeowner reviews the report and finds errors on that report they do have the ability to dispute the report at which point the owners insurance company will be contacted to try and determine if there is a valid claim or not.
Unfortunately these reports can also be used by insurance companies to determine what kind of risk you would be and can in turn affect if you get turned down for insurance. Not only do the CLUE reports cover homeowners, there is also a database that shows strictly automobile claims. Claims will only stay on your report for 5 years however.
Be aware that any hint of water damage to a property, for example, is likely to trigger a negative mark on the property's CLUE report. Well-intentioned consumers who call an insurer to merely inquire about coverage for water damage have been shocked to have their insurance cancelled.
A former 21st Century Insurance fraud investigator and 32-year-old homeowner and mother was forced to get substandard homeowner's insurance at three times the normal price because the house she was purchasing was "blacklisted" on a national Comprehensive Loss Underwriting Exchange (CLUE) report.
A 79-year-old homeowner was turned down for a homeowner's policy because she made a $393 claim on her purse that had been stolen in Montreal while she was visiting her daughter.
A 75-year-old homeowner was "blacklisted" after she made a telephone inquiry about her policy coverage with Allstate, with whom she had continuous homeowner's coverage for 30 years.
The Chief of the Consumer Services Division, California Department of Insurance and Palm Springs homeowner was turned down when he attempted to get insurance for his new home. An inaccurate CLUE report showed five claims, two of which were for another property owned by the seller in a different city; two other "claims" were only for coverage inquiries and one claim was fully remedied and should not have had bearing on his eligibility.
Be aware that filing any type of claim with your insurance company may result in issues that you ought to not have to deal with.
MLS 29152187 Prime piece of waterfront located west facing on Moses Lake. This vacant land is 1.97 acres in an established neighborhood that has CC&R's but still allows you the flexibility to do what you want with your land
There is an easement that travels down the side of the property to allow the neighbors access to their garage. Full acerage is irrigitable and you can have horses if you would like to.
Waterfront has 100 ft of useable land. Wake up to incredible sunrises and sunsets.
This property is the lowest price waterfront in town by far and sellers would be willing to carry a contract. Currently priced at $175,000
If you are looking for waterfront in Moses Lake, WA feel free to contact me for more information.
Don't forget about all the fun things to do with all the upcoming holidays here in town.
MAC Holiday Show
November 20, 2009 - December 26, 2009
Moses Lake
Description: This festive Holiday Sale features the latest in quality fine crafts and original artwork from artisans around the Northwest. You won't want to miss out on this unique opportunity to discover those wonderful one-of-a-kind gifts for the Holiday Season.
Location: Moses Lake Museum & Art Center
228 West Third Ave.
Moses Lake, WA 98837
Admission: FREE
Other Information: Opening reception is on November 20, 6:00-9:30 p.m.
It was suprising to me to see that we had 37 closings this last month. Most of them actually in the upper price ranges. This month look to see how many of the homes that are closing are in the under $200,000 that were trying to take advantage of the now extended home credit.
Comparing it to last years chart we look right on track for the same numbers. I will be interested to see where November places us and if it makes a difference in numbers compared to last year.
I know to us in the Real Estate Industry we don’t think twice about throwing up those letters after our names. I think we often fail to recognize that others might not know what those certifications stand for and the training that we had to take to get those silly letters after our name
I am going to try and give you a brief rundown of those letters and how it might benefit you as either a Seller or Buyer
ABR- Accredited Buyers Representative: Education for this includes completion of a 2 day course, an ABR elective course, and experience representing only a Buyer in a transaction.
ALC-Accredited Land Consultant: 6 completed courses of required curriculum, 3 years experience in the sale and lease of vacant land. volume requirements of at least 10 million in land sales or 25 separate land transactions. Must pass an Exam and also be reviewed by the accreditation panel.
CCIM-Certified Commercial Investment Member: these members are educated in commercial leasing, sale and valuation. Four classes are required for this designation, each class lasts 5 days for 8 hours. You must also complete a 3 credit elective course. After this you must attend 3 different Networking events and then submit a portfolio of experience. Finally you must pass a exam.
CIPS-Certified International Property Specialists: These members are educated in International Sales. This requires a multitude of training on different countries and requirements
CPM-Certified Property Manager: Education in Property Management
CRB-Certified Real Estate Brokerage Manager: These Designees are better able to streamline operations, intergrate new technology and apply new trends and business strategies. To earn this designation you must apply for admission, hold and maintain membership as a Realtor, have one year management experience, earn 12 credits within the following 4 years after application.
CRS-Council of Residential Specialist: This designation is awarded to experienced Realtors who complete adbvanced training in listing and selling and meet rigorous production requirements. The requirements for this vary depending on your various sales experience.
CRE-Counselor of Real Estate: This is a membership that is by invitation only. These professionals provide objective advice on real property and land-related matters.
GREEN-NAR's Green Designation: This designation means that your agent would have the highest level training possible in "green" features within homes. This includes how to market and understand and target that market that is seeking green properties. This requires a 12 hour Core Course and a 6 hr Elective Course in residential, commercial, or property management.
For those of you who missed Think Big, Work Small this morning... according to InterThinx, the mortgage fraud specialists, appraisal fraud is up 46% from the same time in 2008. InterThinx
But wait, who would be the perpetrators, has not HVCC made us safe? Thanks to HVCC, Mortgage brokers, those evil, underhanded, self-serving scourges of real estate and sole cause of the mortgage crisis have not been able to order appraisals (except FHA) or even talk to appraisers in the third quarter of 2009.
OMG, that leaves (choke) the innocent victims of wicked mortgage brokers, Banks. There must be some mistake because we all know that banks would never do anything underhanded.
I am sure we will soon learn, probably from a trusted politician, that, possibly, the cause was appraisers still tainted by previous mortgage broker contact. These appraisers will certainly be sent to rehab at taxpayer expense.
Soon, thank god, due to vigilent efforts of our trusted banks and politicians, the world will be a better place. Mortgage brokers will have disappeared, banks will make all home loans unfettered by pesky competitors and politicians will be provided will deserved taxpayer paid Cayman Island vacations to visit their secret bank accounts.
This ATV corn maze an be found in a small town outside of Moses Lake which overlooks the Columbia River. This maze is situated on over 100 acres whereas normal corn mazes cover 1 to 2 acres.
Mike Brown and Chuck Yarbro had the amazing foresight to think beyond the normal corn maze and create something that the whole family can enjoy on their ATV's. For one unit (1 ATV) it will cost you $30.00 to go thru the 4 miles of trails on your ATV. If you don't have your own don't worry they can rent you an ATV for $50.00 to complete the maze.
The maze will be open on the weekends until the first of the year so you have plenty of time to enjoy it. You can also get group reservations and hours by visiting their Facebook page
*These photos used with permission by the boys at the ATV Corn Maze*
It seemed to be a very slow Halloween this year. I thought I would run out of candy earlier then I did. What with the economy and all I had candy on a budget!
Moses Lake Business Owners once again pulled off another downtown trick-or-treating event. A BIG thank-you goes out to them, we know it's been a slow year and then they had to buy all that candy! You are appreciated!
My princesses & puppy enjoyed going out to get candy that then is forgotten about after a week.
I have to say the funniest costume I saw was a little 2 year old dressed as Nellie from Little House on the Prairie except this 2 year old wanted to wear a mask too. She was a SCARY Nellie from Little House on the Prairie. Is that possible??
My second runner up had to be the mother that came to the door with a plastic bag saying "my baby is in the car asleep." Really, Really, I don't know if I believed her.
We enjoyed the night and everybody seemed to enjoy our "little doggy in the window."
P.S. Don't tell my son as he gets older that I dressed him up like this. Let's just keep it to ourselves!
Full List of Moses Lake Halloween Weekend Events...brought to you by the Columbia Basin Herald
MOSES LAKE
· AutoZone - The1320 Performance car club is giving free candy to trick-or-treaters from 6 p.m. to 9 p.m. Friday.
· Downtown Moses Lake - The Moses Lake Business Association is hosting LakeTown Landing Trick-or-Treat. The event is from 5 p.m. to 7 p.m. along Third Avenue and Sinkiuse Square. Merchants from local businesses are open late to hand-out candy to kids. For more information, call 509-765-7888.
· Grant County Fairgrounds - Nightscare Production is hosting a 15-room haunted house at the Grant County Fairgrounds. The event is at 7 p.m. to 8 p.m. for children's hour. The adult version opens at 8 p.m. The cost of admission is $5 for adults and $4 for kids 12 and under. Grant County Fairgrounds is located at 3953 Airway Drive N.E., in Moses Lake. For more information, call 509-509-771-2479.
· Moses Lake High School - The Moses Lake High School Key Club and Associated Student Body organized a trick-or-treating event from 6 p.m. to 8 p.m. Students are giving away candy throughout the halls in the high school. The event is open to children ages 12 and younger.
A canned food drive to benefit UNICEF is offered at the same time. The high school is located at 803 E. Sharon Ave. For more information, call 509-766-2666.
· Perkins Family Restaurant - The Red Hat Society of Moses Lake is having a Halloween party at Perkins Family Restaurant at 10 a.m. Participants are urged to wear a costume or pajamas.
· Samaritan Healthcare - The hospital is offering free X-rays of Halloween candy on Halloween night, from 6 p.m. to 8 p.m. in the hospital lobby. A staff member from the radiology department is conducting the X-rays.
Community Relations Coordinator Connie Opheikens said about 75 children had candy X-rayed last year. The hospital is located at 801 E. Wheeler Road. For more information, call 509-793-9645.
EPHRATA The Ephrata Chamber of Commerce is hosting an annual downtown trick-or-treat Friday, Oct. 30 from 4 p.m. to 6 p.m. At least 20 local businesses are handing out candy to children. Everyone is welcome to participate. For more information, call executive director Tia Tracy at 509-754-4656.
QUINCY
· Downtown Quincy - Quincy Valley Chamber of Commerce is hosting a downtown trick-or-treat Friday from 4:30 p.m. to 6 p.m.
The 32 local businesses participating will be displaying an orange paper pumpkin in their window. Residents are required to dress in costume in order to participate. For more information, call 509-787-2140.
· State Route 281 - A corn maze is open from noon to 6 p.m. through Halloween. Night hours can be arranged for groups to fit their needs.There is a picnic area and water, soda and snacks available on site. Admission is $5 per person and free for children under five. Groups of 10 or more pay $4 per person. The maze is located two miles south of Quincy on SR 281. For more information, call Carrie Durfee at 509-750-6937.
OTHELLO The Othello Rodeo Association is offering a straw maze Friday night and Halloween night. The maze is haunted from 7 p.m. to 10 p.m. Halloween night, with a non-haunted version from 6 p.m. to 7 p.m. The cost of admission is $5 per person. Friday the maze is open from 6 p.m. to 10 p.m. Attendees get $1 off their ticket price if they bring canned food to be donated to the Othello Food Bank. The maze is located at 821 S. Reynolds Road. For more information, call 509-488-2683.
MATTAWA There is a 100-acre all-terrain vehicle corn maze shaped to form the map of the United States near Mattawa. Special hours for the Halloween week are 4 p.m. to 9 p.m. Monday through Thursday and noon to midnight Friday and Saturday. The maze is haunted Halloween night, complete with special effects and scares. To reach the maze from Interstate 90, take exit 137 to state Route 26 (south of Vantage Bridge). After one mile, turn right onto state Route 243. Proceed one mile to get to the maze entrance. The maze is open until January, weather permitting. For more information, call 509-760-3789 or visit www.atvcornmaze.com
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
recognize that 
fraud specialists, appraisal fraud is up 46% from the same time in 2008. 
Your Fha Guru
;)
;)
