That's why you need to have some reserve.

来源: borisg 于 2023-01-12 13:44:49 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (592 bytes)
回答: 房子失火后的保险 由 任僖 于 2023-01-12 13:30:37

I have written many times about diversifying the risk, for example, when you start buying properties, don't put all your money into a single multi-unit building. In case of fire the process to get reimbursement is very long. You need to match your risk with your resources and reserve to avoid a knock-out negative cashflow situation.

For my self I had experienced a multi-unit fire that took more than 7 months to get payment from insurance. During this period I have to keep putting the money collected from my other properties to keep my crew working on the rebuild.

所有跟帖： 

• 是这么回事，事情发生自己先要垫钱进去，不过我的不多，几千上万块钱，过后会赔给我。 -老朽- ♂ 给 老朽 发送悄悄话 老朽 的博客首页 (0 bytes) () 01/12/2023 postreply 14:25:18

• 房子要重新建。 -任僖- ♀ 给 任僖 发送悄悄话 (300 bytes) () 01/12/2023 postreply 16:03:32

• 好像已经拿到重建的钱了，大头到手就行 -新手地主刚上路- ♂ 给 新手地主刚上路 发送悄悄话 (0 bytes) () 01/12/2023 postreply 15:19:01

• 是的，重建的钱已经直接给contractor 了。保险公司直接给他们的。 -任僖- ♀ 给 任僖 发送悄悄话 (0 bytes) () 01/12/2023 postreply 15:59:58

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