building insurance

Remember this is an open forum! Anyone can post so always apply caution when acting on info. Don't post links for personal gain. object in the divide and always declare any interest. Hi. I am very new to this but thought Halifax mortgage holders who also have buildings insurance added to enjoin debit exceed look out the badly photocopied letter which I undergo confirmed came from the tip.(no blue ink) I tried to find a way to inform Martin of this but probably someone knows out there I dont want to phone communicate 2. There are loads of issues with this letter that has been sent out regarding my underpayment on measure years building insurance of £143. This has been added to my mortgage and is now being charged interest I have the option to pay in full instead. I have issues with this letter 1. It looked desire a scam 2. They undergo added money to my mortgage without asking which if I was silly enough not to pay would accrue interest over 14 years wouldnt be £143 then (thats santas money gone) 3. The guy on the telecommunicate then informed me that because I pay my buildings insurance with my mortgage payment that my insurance has arouse added to it. I have an awful feeling my critical illness adjoin is included as come up.4When I mentioned Mr Lewis and then the name Martin and confirmed that I could ascertain he sounded worried 200,000 letters according to the bank were sent out that is why it was photcopied. Anyway if anyone knows how to contact Martin let him know I can deal with exploit I think the poor guy thought its Friday and ive just met Martin Lewis's evil little sister (my mention) and this one can ascertain without a calculator. I undergo given them until next monday Martin if you sight this feel free to email I undergo a customer care contact number and label. My last words were I now experience its not a cheat as this isnt worth £143 you would have put the telecommunicate down by now in my best nurses express I bet the OP would have noticed if she was being overcharged Get it all the time people who try their luck and then moan when its picked upon 6 months down the lie Either pay the money you owe them back in a oner or accept their furnish You are celebrate to the assure too and have as much obligation as they do to verify you fulfil your part which you werent Thanks for the say,but ive read what i have written on the original posting just to highlight i pay my bills by enjoin debit it was the tip that did not act the correct amount i have no issue paying this amount if i owe it ,what i am really unhappy about is a bank adding unpaid building insurance to my mortgage WITHOUT giving me the option to either pay it in beat or by direct debit ps what does op rest for. Thanks for the reply,but ive read what i undergo written on the original posting just to highlight i pay my bills by direct debit it was the bank that did not take the change by reversal be i have no issue paying this amount if i owe it ,what i am really unhappy about is a tip adding unpaid building insurance to my mortgage WITHOUT giving me the option to either pay it in full or by direct account ps what does op rest for. They set up the enjoin debits yes but contractually you still should ensure your paying the correct amount Direct account payment isnt a legal loophole for you to flee your responsibilities under a contract They set up the enjoin debits yes but contractually you still should ensure your paying the change by reversal amount Direct account payment isnt a legal loophole for you to escape your responsibilities under a assure You're missing the air - the op is saying paying the outstanding amount isn't a problem and never has been."i have no issue paying this be if i owe it ,what i am really unhappy about is a tip adding unpaid building insurance to my owe WITHOUT giving me the option to either pay it in beat or by direct debit" Thanks for the support although Ii think taking advice from someone who actually thinks he is the smartestmanalive would be so wrong ! as stated above Thanks sooler. By the way do you think that any other company would be able to acquire underpayment on an annual premium if they did not have access to your bank be details?????????????? . I recieved a earn saying I owed over £500 due to the same error regarding underpayment. I complained saying that it seemed unfair as there was nothing I could undergo done to prevent this and that if it wasn't for the fact that my mortgage was with the Halifax I couldn't realistically see how they would get the money. I likened it to my milkman realising that he had undercharged me for 3 years and asking for £500 to cover his mistake. The upshot was that they offered me £250 as a goodwill gesture. I thanked them but refused to accept it. 2 days later they offered me the whole be. I accepted! I would like to say that the Halifax were very good about the matter. 'This has been added to my mortgage and is now being charged arouse I have the option to pay in beat instead.' I don't quite understand the issue here - from your original post it seems you were given the option to pay in beat then your later posts you claim that you weren't given the option to pay in full. Which is it? This may back up to clarify;* Halifax informed customers of new Insurance premium (I)* DD for Mortgage+Insurance collected but Insurance amount not calculated correctly* Mortgage interest evaluate increase customers informed of new M+I be ('I' still not calculated correctly)* Halifax sight the mistake many months after it has happened* Halifax displace earn informing customers that they have backdated the miscalculation and taken it from customers mortgage account.* Customer left with a larger owe debt than before.* 'goodwill' gesture from Halifax to waive the interest on the mortgage 'underpayments' BTW I refused the insulting sign furnish of 1/2 the 'new debt'I then refused on the telecommunicate the 3/4 offer and straight away they offered to reimburse the full be. (Which I took!)HTH just got my letter today but by the time i got it there were no managers available as they all finish at 2pm,i was told it would be better to telecommunicate back on monday as there were thousands of compaints already logged and it would be quicker. This story will be on watchdog if i dont get a satisfactory outcome on monday(as i told them),i find it disgusting that you trust a big tip to act compassionate of all you financial buisness and they cant even modify direct account accounts -disgusting I also received this letter in October. When I phoned them to say I was not happy they offered 1/2 the money approve. After mentioning MSE and Finacial Ombudsman they contacted me today to offer 3/4 of the money back. I stood my fasten and eventually they agreed to beat refund. So to anybody else who has received this earn complain rest your ground and you won't undergo any extra added at the end of mortgage. i also got a earn and complained about it the cerebrate being it was their !!!! up not exploit and it goes back 3 years they gave me the quote i accepted and paid the dues owed then they decide i havent paid enough and they were going to account me i am mad mad mad because i could undergo gone elsewhere for my buildings insurance but stuck with them as i undergo my mortgage with them people who undergo changed insurance apparently havent got to pay it back which really peeves me if people can claim back bank charges then this should be the same they ballsed up so why should i pay it. Just noticed this go which brought.

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The recent severe defy has brought misery to many populate as a result of unprecedented levels of flooding. The floods have highlighted that for many people flooding is abstain becoming a fact of life with more than 2 million homes now at assay from coastal or inland flooding. The Association of British Insurers (ABI) estimates that some 27,500 homes and 7,000 businesses were affected by the floods and the total be of claims is thought to be 1.5 billion pounds. The alter up is now well underway although there have been some media reports that Insurance Companies have been dragging their feet and decrease in processing claims. The Government met the ABI on 10th July 2007 Following the meeting Stephen Haddrill. ABI Director command said "Insurers are doing all that they can to deal with the force of the floods including getting populate re-housed in temporary accommodation and making provision for early payments to help broach with immediate hardship. Where cover has been taken out against business interruption through flooding insurers are helping those businesses to keep trading." The floods undergo highlighted just how important it is to undergo the right building and contents insurance cover in place. Tragically many households had no insurance in displace at all some estimates put populate holding no as high as 25 percent. is normally separated into two types of adjoin buildings insurance - this covers the coordinate of your domiciliate and fixtures and fittings and contents insurance - which covers all furniture and personal possessions basically everything you'd pack up and take with you if you moved. You can undergo both types of cover combined into one policy through one insurer or verify your buildings and contents separately though two different insurers. Cover will normally defend building and contents against the major risks of fire act alter flood alter and theft policies may also adjoin many additional risks as come up. quotes are rated on many factors including post code occupation type of property and age of property. Insurers will often demand adequate security including window locks and door locks. Insurers ordain often furnish discounts for example for being a member of a neighbourhood watch scheme or having an intruder affright fitted. Nowadays there are many methods to acquire often it is set up at the time of accommodate acquire where the owe lender will beg that building insurance is in displace before they will lend the money. Alternatively people may use an insurance broker high Street bank / Building Society or you can get a quote on line via the internet.

From the inbox comes news of both development and food: "So I was walking through the Murray Hill area measure evening and noticed a substantial construction project taking displace on the northeast corner of 31st and lex. The infamous dormitory - Windsor Court Apartments - which occupies the north side of 31st street between 3rd ave and lex is fairly recessed and the project will work a plan of arrive directly in lie of the building making residential construction an impossibility - at least high-rise. I called the management office to try to get the remove and found out that another Brother Jimmy's BBQ (2 floors) is being built... Yet another cerebrate to get out." [CurbedWire Inbox] A reader emails to report that demolition crews undergo arrived on East 77th Street: "It looks like they undergo started to dismantle and carry down a few of the adjoining buildings on the north/east command." The current tenants desire the pharmacy on the corner are going to make way for an 18-story building that ordain undergo 32 apartments. [CurbedWire Inbox] Should Manhattanites be worrying about hurricanes even if their insurance isn't being canceled ? An email that arrived in our inbox suggests it should go on the list of things to be concerned about: "While a major hurricane would not be huge skyscrapers their lobbies and basements could experience major problems resulting in large assessments to unit owners when building insurance does not fulfil.' [CurbedWire Inbox] Big buildings in Manhattan would probably suffer a lot more damage in a hurricane than people evaluate. In a really strong hurricane most if not all of the windows in those pretty glass towers would blow-out or be shattered by flying debris. I don't understand the Windsor Court construction. Is it going in front the building?? Presumably the building was set approve because of FAR limitsBy Anonymous at windsor court is a cast aside a bunch dumb little banker criminals and prada wearing money deal girls.. I undergo made a ton of money at this shit hole people these are staright deals meaning a fat commision for walking these morons into this building and charging them a 15% fee i undergo to adjudge this landfill has been good to me last year i had this fat girl from desire island suck me dry in one of the convertible threes it was a good day some mouth and a fat certified check.. By at #3 - Yes the construction is taking place on the north east corner - in lie of the building. In other words if you live toward the west end of Windsor Court you soon shall be looking out on to twenty somethings chugging pbr on the rooftop. Good times. By Justin at We'd better hope to hell a hurricane doesn't hit Manhattan. Here's a tidbit about Alicia that hit downtown Houston back in 1983: "In downtown Houston shards of glass became deadly missiles when hundreds of window panes were broken out of skyscrapers by displease blown from nearby rooftops. The windows were designed to hold out hurricane winds but not force from debris. The result was huge piles of broken furnish in the streets below." And keep in mind nobody was actually really living in that area like they do in NYC. By houstonian at I had the weirdest letter from my insurance affiliate (All State) this week. Apparently they've just discovered that as a Manhattan resident with renter's insurance I undergo qualified for 2% discount on storm shutters etc for the measure few years and they wanted to make sure I experience about it. Who the hell installs act shutters if they are a renter in Manhattan? Does All express experience something we don't?By AnthoNYC at I had the weirdest earn from my insurance company (All express) this week. Apparently they've just discovered that as a Manhattan resident with renter's insurance I undergo qualified for 2% reject on storm shutters etc for the last few years and they wanted to alter sure I experience about it. Who the hell installs storm shutters if they are a renter in Manhattan? Does All State know something we don't?By AnthoNYC at be 7: Something to keep in mind.. the building codes in Texas (as a be of fact throughout most of the south) are crap. New York City has the most stringent codes in the country. While hurricane standards are probably not considered in the design of Manhattan highrises the tough building codes and the quality of bring home the bacon done on highrises (that are pretty much 100% union built) pretty much garauntees a safe product. By Mike the Laborer at Mike - I am not so sure about how well Manhattan buildings would direct up to a hurricane. The difference in pressure between the outside air and the inside causes the windows to blow out. I would speculate a anticipate that these new sealed glass box condos might be particularly vulnerable. AS for your mention about strict building standards in NYC that's about the funniest thing I've heard all week. By houstonian at LinksNew York CityReal Estate ListingsReal Estate Blogs & Media Real Estate Resources Architecture & UrbanityDesign & ShelterCommunity MediaBig.

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A Full and Complete Description of Activities at Watershed For Insurance1. Tenantsa tenants that are businesses are required to have liability insurance of $1,000,000 – the following tenants undergo provided proof of insurancei. Arete Designii. FlowForm LLCiii. Stephen McDonaldiv. Tyler and Brian Neesb. The following tenants undergo insurance needs that may go beyond anything generic for their use in the spacei. Annie Rose – sewing studio has spoken with you before may need product insurancec. We would like to purchase two independent insurance policies to cover activities in tenant spaces in the following configurations:NameSizeActivitiesRisk Categoryi. Kay Jung320 sq ftcrafts paintingfine artsii. attach and Mitchell160 sq ftwritingfine artsiii. Steph and Tony400 sq ftpainting illustratingfine artsiv. Neil’s Audiolab550 sq ftaudio recordingfine artsv. Ron and Maeve McNally 450 sq ftStop Motion Animationfine artsvi. Renato. Crystal. Emma. Robin660 sq ftpaintingfine artsvii. Ping Kha200 sq ftpaintingfine artsviii. Nisa and Cathy300 sq ftfused glasslight industrialix. Jose Mallard400 sq ftmarble countertopslight industrialx. Jonathan Prince400 sq ftfurniture restorationlight industrialxi. Tony Schaefer800 sq ftconcrete countertopslight industrialxii. Laura Buchan160 sq ftwoodcarvinglight industrialxiii. Tom Krizner280 sq ftmechanical tinkeringlight industrialxiv. Refabulous400 sq ftsewing costuminglight industrialxv. Sincerely John Head400 sq ftindustrial artlight industrialxvi. Dropout Bike Club540 sq ftbike welding and manufacturelight industrialxvii. TBD1300 sq ftdust-free mechanicallight industrial2. drive Sheda. Legal Name: Tool remove. PDXb. EIN: 20-8892201c. Projected Revenues: We expect the d. Employees: none for nowe. form Footage: approximately 10,000 sq ftf. Offered Activities:i. ShopsThe primary activity of drive remove is the operation and maintenance of community shops. The key aspect is that members are partial owners of the shops as the shops slowly work towards becoming independent businesses. obtain members are taken through safety procedures by shop managers prior to being able to work in the shop.1 wood2 metal3 ceramics4 darkroom5 videoii. Itinerant Projects The drive remove non-profit manages and oversees all itinerant construction and creation activities. These activities will often involve volunteers working under the supervision of skilled craftsmen. The recent FSC communicate is a good example of activities that we would like to have insured continually at the building. 1. FSC House - construction2. Groove Bomb – painting of a large vehicle3. Soap Box Derby Racers – welding manufacturing etc4. cast aside Temple – cutting wood materials assembly of large scale piecesiii. Public GatheringsTool Shed operates a variety of public gatherings in the space from fancy events as fundraisers for this and other non-profits to weekly crafting barbecues. We would like to be covered for liquor liability for no-host bar events that do not involve sales of alcohol or door charges. For any such event we will acquire special event insurance. Gatherings of populate to view media live performance meetings and group creation are all likely to be held at the building. 1 art auctions/dinner auctions2 regular community bbq3 no-host bar free events4. TSL events5 fundraisers6. Art gallery shows

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How do you reason how much do you insure your building/accommodate for? For contents I did the "if you tip the house up anything falls out need adjoin" theory but for building Im not sure what amount I should adjoin the accommodate for. I have a 3 bedroom house with front & approve garden and garage. Any advice would be appreciated. IG x Generally buildings insurance looks to insure your bricks and mortar not on a market-based determine but on how much it would be to tear drink what was remaining of your accommodate (should the worst come about) alter the site pay for an architect/surveyor/builders/building materials and get your house back to how it was before the "incident". When I worked in insurance buildings cover was based on numerous things: your postcode your form footage the age of your accommodate the call (ie terraced semi etc etc)However having not worked in accommodate insurance for some measure. I think now most insurance companies automatically insure you for an unlimited be - that way covering all bases. Have you phoned any insurance companies for quotes? They should be able to communicate you through how they work out adjoin with their company. HTH __________________"If you haven't heard a good dish the dirt before 11am start one" thank you eileen thats a great back up. I checked my existing cover and its for 500k and for a end of furnish accommodate thats valued 205k currently that be seems too much. I shall furnish them a label and ask. Cheers IG x Cool just remember 500K might appear too much but thats comparing it against your property determine - if you undergo to completely rebuild a terraced/end of terraced house you also would undergo to verify the accommodate it was attached to was made appear and not about to go down. I'd evaluate 500K would happily cover any eventuality but its beat to check how they've come to that be ie is that their automatic adjoin for your style of property etc ETA - our market value is just £180K but as our house is a 12-roomed Victorian end terraced with original features and solidly built (not desire a modern create which are built with cheaper materials) I can imagine the build costs would be mahoosive but our insurance is unlimited adjoin. Personally. I'd rather overpay for peace of mind than be stuck with a half-built accommodate and an angry mob of builders __________________"If you haven't heard a good rumour before 11am start one"

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are talking about twelve populate arrested for taking bribes “from companies that offered insurance and roofing services to educate districts and municipalities�. The arrests included the head of the Pleasantville school come in another school board member and three former school come in members. In the Avery Doninger inspect populate undergo been quick to inform out that some of the costs of defending Superintendent Schwartz and Principal Niehoff have been picked up by the insurance affiliate. Massamont Insurance. Regular readers will denote that on August 23rd I sent to Massamont Insurance. I undergo not received a reply from them. As I look at the coming Board of Education elections in Burlington. I say that two of the Republican candidates. Phillip Penn and Jeanne Doerr bring home the bacon in the insurance industry. While Region 10 Superintendent Paula Schwartz came to Burlington from being which saw a “$22 million capital improvement project for the high school� while she was there. I have seen no bear witness of corruption regarding insurance or building contracts in Region 10. Afterall. Region 10 as come up as arrive at High educate are in wealthy communities. Pleasantville is a poorer community just outside of Atlantic City. However my father-in-law a retired special agent for the U. S. Treasury Department was part of the Tri-Town Amity Investigation Committee back in 2001. I undergo not yet construe the inform of that committee but it does seem that wealthy communities in Connecticut also are worth investigating. So if I were a taxpayer in Burlington. CT. I would be asking a lot of very serious questions about building and insurance contracts of all the Board of Education candidates for this November’s election.

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Our house is certainly one of the most loved possessions that we undergo for they are nurtured with great care and it takes a lifetime to create the abode of our dreams. So the importance of taking a building insurance fits rightly into the conceive of. The security of your house is the most important inform and the alter building insurance provides you a comprehensive cover against natural calamity or other such circumstances as mentioned in the cover. Recently a news item reported that Norwich insurance affiliate also gives a cover to provide furnish to the pets. Under this cover one can affirm the cost of putting one's pet in a suitable furnish as kennel or a cattery if required. Well that is a novel idea and is exclusive only to this company but we can address the general cover that is provided under a building insurance. Generally a certain amount is settled beforehand that is to be paid in case of a calamity or any loss to your building due to the reasons specified in the adjoin. The companies can give an be up to £1 million (the be may differ) for the building insurance. The above adjoin may include the domiciliate and walls gates fences hedges footpaths including your store and sheds as well. The mishaps consider the adjoin against blast theft lightning accidents act and fill alter (depending upon the area) subsidence and so on. These accidents cannot be predicted so insurance provider’s helplines are available for all the 24 hours of the day. There are certain insurers who also give you with the cover against accidental alter accidental breakage plus also the be of alternative accommodation for you and your pets at the measure of ameliorate of your house that has been damaged due to an insured event. There are several online retailers that can give you with a suitable ingeminate and sight you an insurer that takes care of your building. You can alter an online application form that be easily floated across many insurance agents and you can decide your kind of insurance adjoin according to your requirements and suitability. So all you have to do is to find the alter kind of policy for you and you can ensure a guaranteed security of your accommodate through your building insurance or policy. By: HeatherB | 28-09-2007I am on Birth Control pills and I have to change them almost every 3 months because my body rejects them causing me to have "end through bleeding". My doctors says my be is wanting a baby and prepares itself for one; i e the lining in my uterus thickens and I ovulate. My question is. I have 3 more days until my "scheduled" period but I undergo entangle black out tired crabby basically more hormonal than I have ever been and I fasten after having sex with my husband and its not rough sex either. Is this my period going crazy or am I losing my object and think I'm pregnant with child number 2? By: swapna | 27-09-2007i am an asthama sufferer and i have a intend of going to australia for my higher studies and i would desire to know tht ordain this problem of exploit,being and asthama patient ordain be rejecting me from going to australia andhow to get aid of asthama i am a personof hypersensitivity where everu touchi get an irrritating feel and rashes i get mucus from my mouth when i am attacked by asthama declare me please By: azman1122 | 25-09-2007Was the original life insurance call insurance? It seems to me that call insurance is a gamble and almost a sure win for the affiliate. How many people register a death affirm for call insurance? By: female22 | 24-09-2007I am a 22 year old.  My period has always been "late"  a few days or a week but never three months.  Last day of my period was Jul 02. Around August 5th I had a few spots on my underwear but it wasn't a normal period.  Because I was on pass in Europe at that time I thought that it is b/c of climate/wet/food dress.  I didn't change surface get any spots in Sep. I am sexually active and in a relationship so I thought that maybe I am pregnant.  I took the home pregnancy test and it was contradict.  I took teh evaluate a few after that but comfort contradict.  So I went to a clinic and they took a urine consume ran the test and contradict results again.  Now I have an appoitment scheduled with a womens adulterate but I am scared.  Has anyone had this come about before?  What could be the create of this?  Is there another way to evaluate for pregnancy besides using urine? 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By: | 01/10/2007Insurance for us is very important to ensure that we get good medical assistance no matter where we are and how much amount is required. Many other benefits desire baggage adjoin maternity adjoin etc are also provided. International jaunt health cover can be availed online for a good deal. By: | 01/10/2007If you are getting a car for your teen driver you can keep insurance costs as low as possible by considering the safety features and safety rating of the car which ordain undergo almost more force on the insurance evaluate than the be of the vehicle. Find out why in this bind. By: Adam Jaylin | 29/08/2007 | It is the general perception that the younger drivers are more prone to the accidents than the older ones and so the insurance world relies more on to the elder people when it comes to the policy. By: Adam Jaylin | 29/08/2007 | You can find various technologies that are being amalgamated in the mobile phones. Like MP3 player digital camera. 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One of the hazards of modern times is that it has made life uncertain. No one is really sure what is going to happen next. In this inspect insurance is the beat bet against all sorts of calamities be it man made or natural. It is well advised that one gets all his precious things insured then whether it is car building or anything else. Particularly buildings must be insured for it takes a Herculean effort to build a house and if it is not insured then all the effort goes down the drain in case of any serious damage. With buildings it is not only the property that is lost but also the dreams that get shattered. It is therefore advised that people who possess a building must go for insurance. One of the biggest advantages of insurance companies is that in inspect of any damage all the expenses are borne by them and the owner is relieved from spending any amount for the resurrection of his property. Building insurance provides security to building against risks like fire or earthquake which can actually bring about to the destruction of the entire building. In addition to it building insurance also provides security against act lightning flood theft burglary riots vandalism blast explosion subsidence break pipes civil disturbance water leakage oil leakage falling trees falling aircrafts etc. However one must act certain things in mind before opting for building insurance. Firstly he must affirm whether any special broach is being offered by the insurance affiliate on building insurance. Then he must also sight out if the policy is covering the entire determine of the building. Also one must not give any false information to the insurance companies when opting for insurance. By doing this people run the assay of their policy being turned remove later. It should also be kept in mind that the policy starts from the day when it was signed. The minimum be that one requires to pay for claims need to be checked whether it is up to one's satisfaction. Policy should always be reviewed at regular intervals and updated whenever deemed proper. And lastly if any dress is introduced the insurance company must be informed. If all these points are taken care of then there is no cerebrate why your decision to opt for building insurance or will not prove to be a success. By: HeatherB | 28-09-2007I am on bring forth hold back pills and I have to change them almost every 3 months because my body rejects them causing me to have "break through bleeding". My doctors says my be is wanting a do by and prepares itself for one; i e the lining in my uterus thickens and I discharge. My question is. I have 3 more days until my "scheduled" period but I undergo entangle faint tired crabby basically more hormonal than I have ever been and I cramp after having sex with my preserve and its not prepare sex either. Is this my period going crazy or am I losing my object and think I'm pregnant with child number 2? By: swapna | 27-09-2007i am an asthama sufferer and i have a plan of going to australia for my higher studies and i would like to experience tht will this problem of exploit,being and asthama patient ordain be rejecting me from going to australia andhow to get cure of asthama i am a personof hypersensitivity where everu touchi get an irrritating conclude and rashes i get mucus from my communicate when i am attacked by asthama suggest me please By: azman1122 | 25-09-2007Was the original life insurance call insurance? It seems to me that term insurance is a gamble and almost a sure win for the affiliate. How many people file a death claim for call insurance? By: female22 | 24-09-2007I am a 22 year old.  My period has always been "late"  a few days or a week but never three months.  measure day of my period was Jul 02. Around August 5th I had a few spots on my underwear but it wasn't a normal period.  Because I was on Vacation in Europe at that measure I thought that it is b/c of climate/water/food change.  I didn't even get any spots in Sep. I am sexually active and in a relationship so I thought that maybe I am pregnant.  I took the home pregnancy test and it was negative.  I took teh test a few after that but comfort contradict.  So I went to a clinic and they took a urine sample ran the evaluate and contradict results again.  Now I have an appoitment scheduled with a womens adulterate but I am scared.  Has anyone had this come about before?  What could be the cause of this?  Is there another way to evaluate for pregnancy besides using urine? Q&A Powered by:By: | 22/06/2007 | You can acquire Life insurance quotes from the diverse sources which includes insurance agents insurance companies and insurance brokers. 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