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Your adjuster may tell you they won't cover ceramic tile because the water didn't damage it. Craven said that's not always true.
"What you want to do is get a rubber mallet or dead blow hammer and tap the tile all the way around," Craven said. "If you hear something that sounds hollow, that probably means there is water sitting under there."
If you suspect there is water under your tile, try removing just one outer tile. If there is moisture underneath, take pictures and show the adjuster.
Craven's adjuster told him his proof of loss quote won't be ready for at least 60 days, maybe not until January since Hurricane Irma hit Florida. You need that document before you can even begin negotiating with your insurance company.
A lot of people wonder if they should hire their own public adjuster. Craven said you only need one if you feel overwhelmed with the process and just feel like you can't negotiate effectively. A public adjuster will typically cost you between 5 and 20 percent of you total loss. You can wait until after you get the proof of loss quote from your insurance company to bring one on board to help you.
For top Indian Space Research Organisation (Isro) scientists, it has been a tradition to visit Tirupati temple before any major launch. It has been no different in the run-up to the launch of the Mars Orbiter Mission on Tuesday.
Isro chairman Dr K Radhakrishnan visited Tirupati on Sunday to seek blessings for the successful launch.
But more than religious beliefs, he said these temple visits helped des-stress the mind and offer clarity.
But beyond this, do superstitions and other beliefs have a hold on the scientists?
Scientists at the Jet Propulsion Laboratory in National Aeronautics and Space Administration (Nasa) consider circulation of peanuts auspicious.
Usually, says Barry Warshaw, ''we sell mostly bigger boats in the winter, but this winter we've sold a lot of smaller boats." That pretty much sets the tone for pinpointing selling patterns in the boat business -- what seems cut and dried for some doesn't apply for others.
Warshaw is general manager at Casey Marine. The New York native, who came here a year ago from the outskirts of Philadelphia, says ''people usually buy smaller boats in the spring and summer, but they're buying them this winter from us.
''Most of what we've been selling have been boats 28 feet and shorter. I thought we would sell the larger ones, but we haven't and I can't pinpoint why."
Harry Barritt, the general manager at Pomoco Marine, finds a more definitive pattern to sales. He thinks buying comes in four distinct waves.
''The first to buy boats are the large-boat buyers.
"They know some things. They know the good buys are not picked over then. They know the dealers are extremely interested in selling leftover merchandise before the new boats arrive and thirdly, the big boats -- those 30 feet to 50 feet in length -- take two months to outfit. If they are bought in January, close the deal in February and are outfitted by mid-March, they're ready for the actual season."
Barritt, a former state champion pole vaulter at Newport News High School, says that after the big-boat owners, ''the fishermen start looking. That's around February. They buy in March and are fishing before April.
''The third group own the cruisers. They buy in April and May. They start boating Memorial Day, or a little after, that's when the kids get out of school.
''The last group are the impulse buyers. Usually, they'll ride in a boat belonging in one of the other groups. They like it and they buy it in the summer.
''So, it adds up to the fact that most boats are sold from January to May.
''I think many people think you sell boats in the summer and that's just not true. There is a small spurt in the fall, but it doesn't last long."
Stan Mardre, a native of Suffolk who is a co-owner of Nansemond Marine in north Suffolk, only sells the smaller boats - 25 feet and smaller.
He feels ''most people buy in the early spring, but generally people shop all year."
Chris Hall, who has been at the helm of Bluewater Yacht Sale Inc. since its 1968 inception, figures ''the best selling time is the fall through the spring."
His Hatteras and Viking yachts, priced from $300,000 up, are the biggest ones on the market. Because they run from 38 feet to 122 feet, he skips indoor shows. ''We can't truck our boats because they're too big. The factory even sends them by water."
So, his boat shows are limited to an in-water one at Norfolk.
Hall has two locations in Hampton, where a staff of 40 handles his $20 million dollars worth of business a year.
He says his clientele differs from other dealers in that ''a good percentage use their boats the year around.
"When they're not using them here, they bring them to us for work. We can put boats up as large as 80 feet. We have a 40-foot service door and can work round the clock, the year around."
» As Pliny the Younger noted, "Example [is] the surest method of instruction."
» Well, we've just about scraped through 2015, although there have been a few dicey moments. Most of us will be happy to see the back of the Year of the Sheep, or was it the Goat? I never did quite work that out. It is customary at this time to look back on the past 12 months, although there are some events you might prefer to forget. If nothing else it serves as a reminder that Thailand will always be Truly Amazing.
Arnold Bresnick director of the Office of Information Resources Management at the Agriculture Department is the new chairman of the inter-agency Information Technology Resources Board. He replaces Mary Ellen Condon the director of the Justice Department's information management and security staff.
The Chief Information Officers Council has announced several new committee assignments: Woody Hall the CIO at the Energy Department will assume the chair of the council's Capital Planning and Investment Committee in January.
Gloria Parker the deputy CIO at the Education Department will assume the chair of the council's Education and Training Committee. Glenn Sutton the deputy CIO at the Office of Personnel Management has been named vice chairman of that committee. Howard Lewis DOE's deputy CIO and Mark Boster CIO of Justice will be the chairmen of the council's newly formed Security Committee.
The Software Program Managers Network a Defense Department organization supporting more than 70 large-scale military software projects last week presented its H. Mark Grove Award for Excellence in Software Management to three software managers from Raytheon's Electronic Systems Division. John Douglass assistant secretary of the Navy for research development and acquisition presented the award to Thomas Haley R. Blake Ireland and Barbara Johnson.
American Management Systems Inc. this month elected Paul Brands as its chairman of the board. Brands will continue to serve as the company's chief executive officer the position he has held since September 1993. He replaces company co-founder Charles Rossotti who is now commissioner of the Internal Revenue Service. AMS' board of directors elected Patrick Gross who is also a co-founder as chairman of the executive committee. Gross has been vice chairman of the company since 1989.
David S. Linthicum has joined Software AG Americas as the chief technology officer responsible for product direction development and strategy. Before joining Software AG Americas Linthicum was a senior manager of the Ernst & Young Center for Technology Enablement.
Greg Gianforte speaks at Advanced Technology Group in downtown Missoula on Wednesday, one day after announcing he is running for Montana governor.
HELENA – Before speaking in Helena on Thursday, Greg Gianforte walked into the office of Gov. Steve Bullock, who he hopes to unseat in this fall's election, and hand-delivered a folder that contained a letter to his opponent and a pledge to not accept any money from political action committees.
"I refuse to accept any campaign contributions from special-interest PACs, state and federal," read the first line of the pledge, released by Gianforte's campaign just a day after the Bozeman businessman formally announced he would seek the Republican nomination for governor and as he completed a two-day rally tour. "I will tear up and/or return any special-interest PAC donations previously sent to my campaign. Montana voters deserve a clean campaign focused on the issues."
John Malia, who works in the Citizens' Advocate Office, was at the reception desk outside Bullock's office when Gianforte arrived, saying simply that he was dropping it off for the governor. Malia said he gave the folder to Tracy Stone-Manning, Bullock's chief of staff.
Meanwhile, Bullock was in Billings, talking with students at City College at Montana State University-Billings about workforce development, joined by John Cech, deputy commissioner for academic and student affairs for the Montana University System and Department of Labor and Industry Commissioner Pam Bucy.
"It's news to me," Bullock told a reporter there. "I'll take a look ... and respond at that point."
On Thursday evening, Bullock affirmed his commitment to election transparency in a statement on the sixth anniversary of "the disastrous Citizens United decision" by the U.S. Supreme Court, which eliminated some restrictions on how corporations spend money in elections.
"I will continue to fight for fair, transparent and accessible elections because I, along with all Montanans, believe that our elections should be decided by 'we the people' – not by a small number of wealthy people who seek to hide their money and motivations," he said in the statement.
The incumbent governor's campaign manager, Eric Hyers, did not say whether Bullock would sign the pledge and described it as an empty gesture from Gianforte, who donated hundreds of thousands of dollars to groups that fought against a 2015 bill that expanded campaign disclosure requirements.
"Look, for Gianforte to be taken seriously, why doesn't he start by pledging he won't spend or funnel more than $1,300 of his own fortune into this campaign?" Hyers said in a written statement. "Here's a guy that's dumped hundreds of thousands of dollars into groups who lobbied against Montana's DISCLOSE Act. And a guy that has a Koch brothers' PAC, Aegis PAC, soliciting funds on his behalf on this very day."
Aaron Flint, Gianforte's campaign spokesman, fired back.
"It's a pretty simple pledge for the governor to sign or not to sign," he said. "Particularly as the governor has been out there gallivanting all across the state using taxpayer dollars. It seems Bullock is trying to buy this race with taxpayer dollars because he's having a little trouble raising money."
Gianforte co-founded RightNow Technologies with his wife, Susan, and became a multimillionaire when Oracle purchased the company in 2012 for $1.8 billion. He has previously said they controlled about a quarter of the stock at the time of the sale, worth more than $300 million.
Montana Democrats have shadowed Gianforte's campaign stops throughout the state this week with their own news conferences about the businessman's candidacy.
In Helena, Democratic Party Director Nancy Keenan downplayed Gianforte's pledge, one she said the multimillionaire was well-positioned to make.
"He's a self-funder, he can write the check," Keenan said. "So it's pretty easy for him to say, 'Oh, we're not going to take any money' when he can write the check for millions and millions of dollars."
In his letter to the governor, Gianforte took a congenial, serious tone, sending Bullock "warm greetings" and hopes for "a positive, spirited race."
"I am committed to rejecting any special interest PAC money," he wrote. "I simply won't cash their checks. Any checks sent my direction have already been returned, or torn up. ... I'd ask that you join me in this effort."
Gianforte has not ruled out personally donating to outside political groups. If he did, Flint said Gianforte would "not directly" benefit from those contributions.
Campaign finance reports through the end of 2015 do not list any contributions to Gianforte from political action committees and all the refunds listed in his expenditures appear to be to individuals.
He brought in $162,771 between Aug. 17 and Sept. 30, and another $221,677 through the end of 2015, according to his reports. Of that, $12,814 were in-kind contributions from Gianforte himself. Additionally, several members of his family have donated the maximum contribution of $650 each.
On Bullock's most recent campaign finance report covering Oct. 1 through Dec. 31, he reported receiving $12,140 from 20 PACs and $216,042 in total donations during that time. On his prior filing covering July 1 through Sept. 30, he reported receiving $9,806 from 18 PACs and $283,779 total.
Gianforte started Thursday in a Hoven Equipment warehouse in Great Falls, where the lectern and 24 folding chairs were set up next to towering farm implements.
Supporters talked over coffee and maple bars as they waited. When Gianforte began to speak, his remarks were interrupted by applause, cheers and, at mention of the family's old Ford Bronco, a quip from the audience that elicited a chuckle from the candidate.
To the supporters gathered in Great Falls, his remarks were fresh even though Gianforte had given largely the same speech in Billings, Sidney, Lewistown and Kalispell a day earlier.
He vowed to remove "job-killing" business regulations, eliminate the business equipment tax, support gun rights, develop the state's natural resource industries and focus more on customer service than enforcement, in part, by placing "someone from industry" or business at the helm of state agencies such as the Department of Environmental Quality.
"I'm here to tell you very definitively, Montana can prosper again," he said to applause.
Gianforte declined to answer media questions, saying: "We're going to have time to sit down. Today, I'm here for my supporters."
The candidate also made stops in Missoula, at Advanced Technology Group downtown, and Bozeman on Thursday.
Holly Michels and James DeHaven contributed to this report.
BOZEMAN – Greg Gianforte celebrates his status as a political outsider.
Gianforte's wealth: How much will it help his candidacy?
BUTTE – Greg Gianforte, Republican candidate for governor, wants “somebody from industry” running the state's Department of Environmental Quality.
Ramires struck twice as Chelsea booked their place in the fourth round of the FA Cup with a 4-0 victory over Portsmouth at Stamford Bridge on Sunday.
The Brazil midfielder's goals, scored in the 85th and 87th minutes, together with an added time fourth for Frank Lampard added gloss to the scoreline after Juan Mata had put Andre Villas-Boas's side ahead in the 48th minute.
That ensured the Blues were spared an embarrassing slip against Championship opponents in a re-run of the two teams' meeting in the 2010 final, which Chelsea won 1-0.
But despite the convincing scoreline, this was another stuttering performance from Villas-Boas's side who are finding their feet after a disastrous run of results in December.
Chelsea failed in their bid to convince Ivory Coast officials to allow Didier Drogba and Salomon Kalou to delay their departure for the Africa Cup of Nations.
That meant Fernando Torres started as the main striker and denied Drogba the chance to stage a repeat of his match-winning goal at Wembley two seasons ago.
Much has changed since that meeting which secured the Premier League and FA Cup double for Carlo Ancelotti's Chelsea team.
Ancelotti left Stamford Bridge just 12 months later while Portsmouth slipped out of the top flight at the end of that season and are currently facing another battle to remain clear of the Championship danger zone.
One thing that hasn't changed, however, is the precarious financial position at Fratton Park and Portsmouth, the 2008 FA Cup winners, came into this tie with uncertainty surrounding the future ownership of the club.
This was certainly a game Chelsea could not afford to take lightly, however, no matter what the status of their opponents.
A disastrous run of recent results was ended only by the narrow victory at Wolves last time out and Villas-Boas's side badly needed a confidence boost.
They had one before kick-off when skipper John Terry was passed fit to start after recovering from a knee problem.
But even with Terry at the heart of Chelsea's defence, Portsmouth created several good chances.
The first of the match fell to the visitors after just two minutes when Dave Kitson collected Marco Futacs's flick and sent a left foot shot narrowly wide.
Pompey right back Aaron Mokoena then went close midway through the half when he headed over from just six yards out from a corner.
And midfielder David Norris also threatened Petr Cech's goal with a snapshot from the edge of the box.
Chelsea dominated possession but created few chances, the best falling to Torres after 13 minutes when the Spain striker produced a full length save from Portsmouth keeper Stephen Henderson with a powerful header.
The hosts raised their game in the second half and three minutes after the break were ahead through Mata.
Ashley Cole contested a loose ball with Kitson, prompting Pompey claims of handball. But referee Anthony Taylor ignored the protests, allowing the Chelsea full back to release Florent Malouda on the left.
Malouda, often criticised by Chelsea fans this season for failing to produce a telling final ball teed up Mata perfectly and the former Valencia man finished it off from close range.
Portsmouth responded well to the blow and could have been level but Chelsea escaped when Cech saved from Futacs and then Norris either side of a goal-line block by Terry from Joel Ward.
Pompey began to tire though, and Chelsea took full advantage in the final minutes with Ramires first nipping in to turn Torres's header in from close range before running from halfway for the third.
And Lampard wrapped up the win with a left footed shot seconds before the final whistle.
BERLIN (Reuters) - German prosecutors have opened an investigation into the co-leader of the far-right Alternative for Germany (AfD) on suspicion of violating party donation rules, a spokesman for the prosecutor’s office in the city of Constance.
Alice Weidel’s local party in the southern city on the shores of a lake of the same name is suspected of receiving a total 145,000 Swiss francs (113,782 pounds) between July and September last year from a company based across the border in Switzerland.
German law prohibits parties from receiving donations from outside the European Union, of which Switzerland is not a member state. The donations were made shortly before Germany’s national election last September, the spokesman said in a statement.
The development is a fresh setback for the anti-immigration AfD, which became Germany’s largest opposition party after last September’s national election but suffered lacklustre results in two regional votes last month.
Given that Weidel is a lawmaker with impunity, prosecutors had to first notify her and the president of the Bundestag lower house before launching the investigation.
“The prosecutor’s office in Constance has extended the investigation based on the initial suspicion of the violation of party law to include Alice Weidel,” the prosecutor’s office said in a statement.
Weidel acknowledged in a speech in parliament on Wednesday that her party had “made mistakes in dealing with electioneering donations” and said that all the funds had been returned to the Swiss firm.