It lasts two years from the date of death. THE WALKTHROUGH No. 028 / Wednesday, October 7, 2026 SUBJECT OF FILE How a house with two names on the deed passes at a death: the three ways to hold title, what New York assumes when the deed is silent, and the
With no name on the form, my daughter gets five years instead of ten. THE WALKTHROUGH No. 027 / Tuesday, October 6, 2026 SUBJECT OF FILE Beneficiary forms on retirement accounts and life policies: which paper decides who is paid, what a divorce cancels in some states, and what a rollover
One inch of water can do about $25,000 in damage, by FEMA's estimate. The Walkthrough No. 026 | Mon 5 Oct 2026 Subject of file Field note: a finished basement in West Seneca after a sump pump failure, and what was still dry Sponsored by Priority Gold The
If you collect on your own record, the higher survivor benefit needs a phone call. The Walkthrough No. 025 | Fri 2 Oct 2026 Subject of file Social Security survivor benefits: the second number on the Statement, the widow’s limit, and the application nobody files for you Good morning. I
Your policy pays $500 at most to haul one away. The Walkthrough No. 026 / Thu, Oct 1, 2026 Subject of file Field note: a maple limb through a garage roof, and the tree removal limit on the standard form Good morning. Short one today. Eleven pieces of maple were stacked
Heating oil in Connecticut is up by half since June. The Walkthrough No. 025 / Wed, Sep 30, 2026 Subject of file Two weeks of national news, sorted by the paper in your house each item will land on Good morning. I read two weeks of news at the kitchen table
One number covers every gun in the house, if stolen. The Walkthrough No. 024 | Tue 29 Sep 2026 Subject of file Firearms under Coverage C: the $2,500 theft ceiling, what it counts, and the list a claim will ask for Good morning. Section I of the standard homeowners form,
Thursday's headline describes last week. The daily market crossed on the tenth. The Walkthrough No. 024 · Mon 28 Sep Subject of file Which of your documents moved last week, and which did not Good morning. There is a line in a good many mortgage notes that reads like
Nobody is interpreting a clause about crypto. They are stretching one about something else. The Walkthrough No. 023 · Thu 24 Sep Subject of file — short A question I could not answer at my brother's kitchen table Good morning. I went over to my brother's on Sunday
Most money writing is about decisions you might make. This is about documents you already signed. One thing a morning, from somebody who spent thirty years on the other end of the file.
Same builder, same year, same ruined floor. The difference is how fast the water arrived. The Walkthrough No. 022 · Wed 23 Sep Subject of file Water losses — sudden against gradual, and the fourteen-day line Good morning. Here is a question I have never had a good answer to, and
It is a guess, printed in the same column as the real numbers, and the difference is yours. The Walkthrough No. 021 · Tue 22 Sep Subject of file Allowances, change orders and the clause about what is behind the wall Line 14 of the estimate $4,000 Tile, bathroom floor
The spoilage limit and the deductible are usually the same figure. That pays you nothing. The Walkthrough · Field Report File no. 020 Date Mon 21 Sep 2026 Status Nets to nothing Subject of report Refrigerated property — sublimit against deductible Good morning. A woman in Cheektowaga once showed me the inside
It has to reach you by 30 September, and most people bin it unopened. The Walkthrough Fri 18 Sep 2026 Folio Entry Due 019 Annual Notice of Change 30 Sep Good morning. I am not on Medicare, I am three years off it, and last autumn I sat at my
Paper survives that. A hard drive gives up at a third of it, and both are in the same box. The Walkthrough · Field Report File no. 018 Date Thu 17 Sep 2026 Status Partly wrong Subject of report UL 72 fire classes — what a residential safe is rated to protect
Shares one limit, usually ten per cent. Nobody adds it up because it arrives one piece at a time. The Walkthrough · Field Report File no. 017 Date Wed 16 Sep 2026 Status Two files Subject of report Rooftop and ground-mounted arrays — coverage placement Good morning. Two solar files, four
The rerun came back higher than my pencil. Then I found the line I had not run. The Walkthrough · Field Report File no. 016 Date Tue 15 Sep 2026 Status Re-estimated Subject of report Replacement cost, corrected for square footage Good morning. The rerun came back on Friday afternoon,
Switchers paid 6.6% less this year. Everybody else paid 10.4% more. The Walkthrough · Field Report File no. 015 Date Fri 11 Sep 2026 Status Noted Subject of report Premium movement by shopping behaviour — ICE, September Good morning. Two numbers landed yesterday and the distance between them is the
They exist in my house and not in my file. I built the room myself in 2018. The Walkthrough · Field Report File no. 014 Date Thu 10 Sep 2026 Status Reopened Subject of report Carrier replacement cost estimate — input data disputed Good morning. I rang them on Monday at twenty
It ends on the first of January. The letter is already in the mail. The Walkthrough File 013, Wednesday 9 September 2026 Buffalo, New York The subsidy that made your drug plan look cheap Good morning. Last September a letter came from my mother’s drug plan. Twelve pages. I
By a factor of two and a half. The packet took twenty-four days. The Walkthrough File 012, Monday 7 September 2026 Buffalo, New York The deductible that is a percentage Good morning. The policy packet arrived Friday. Fifty-one pages, a rubber band, and a cover letter that apologized
I did the arithmetic on the back of an envelope and I have been avoiding it since letter one. The Walkthrough · Field Report File no. 011 Date Fri 4 Sep 2026 Status Estimated Subject of report Reconstruction cost against a dwelling limit written in 2019 Good morning. I have been
