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Subject Topic: My neighbor got hit on Saturday Post ReplyPost New TopicCreate New Poll
 My neighbor got hit on Saturday
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zackay
Posted: March.08.2010 at 12:48pm | IP Logged Quote zackay
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hvacman wrote:

Zackay, How in the freaking heck can you say you think the other half should be paid by insurance? Do you not realize there are deductibles to be met and insurance rates get affected?

For a loss like this one, the cost of repairs is probably around $1,500 for the house and $1,500 for the vehicle. For most people, that is 2 deductibles because homeowners does not cover the vehicle.

Now assuming the hous pictured is valued at $150,000, the deductable is probably $1,500 or 1%. That means the homeowner will file a claim, not get paid AND his rates get affected.

Same thing for the vehicle. If he has a moderate deductible of $500, then he is out at least that amount.

$2,000 out of pocket and the punk ass kids pay $1,000. Now lets say for arguments sake that ther are 2 of them. That is $500 each. Come on. Really?

Maybe they should go to your house and then you can deal with it.



If the vehicle is parked at your house then YES homeowners insurance should cover it which would be only 1 deductible for both situations. However, as I also said most of these have a good chance of being cleaned up with a little elbow grease and don't ever have to get reported to insurance anyway.

I don't understand your point about each kid paying $500. Are you saying it's too much and they won't be able to get it or are you saying it's not enough? Not sure what point you were trying to make there.

Why is my expressing my opinion on this such a problem? OK, so some of you disagree. That's your right but you know, people DO have different thoughts about things and THAT'S OK. Who knows, maybe they will hit my house before they're done. It's certainly a possibility. I've already had 2 stereos stolen out of my vehicles since I've been here (the first time 3 weeks after I moved in) so I've been hit by some mischief myself. If they had caught who did it, I would have wanted the kids (assuming it was kids) to pay me back for new stereos not the parents.


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jrzygirl
Posted: March.08.2010 at 1:09pm | IP Logged Quote jrzygirl
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Here is the new law ...

28.08. GRAFFITI.  (a) A person commits an offense if,
without the effective consent of the owner, the person
intentionally or knowingly makes markings, including inscriptions,
slogans, drawings, or paintings, on the tangible property of the
owner with:
(1)  aerosol paint;                                                               
(2)  an indelible marker;       
(3)  an etching or engraving device. 
(b)  Except as provided by Subsection (d), an offense under
this section is:
(1)  a Class B misdemeanor if the amount of pecuniary
loss is less than $500;
(2)  a Class A misdemeanor if the amount of pecuniary
loss is $500 or more but less than $1,500;
(3)  a state jail felony if the amount of pecuniary loss
is $1,500 or more but less than $20,000;
(4)  a felony of the third degree if the amount of
pecuniary loss is $20,000 or more but less than $100,000;
(5)  a felony of the second degree if the amount of
pecuniary loss is $100,000 or more but less than $200,000;  or
(6)  a felony of the first degree if the amount of
pecuniary loss is $200,000 or more.
(c)  When more than one item of tangible property, belonging
to one or more owners, is marked in violation of this section
pursuant to one scheme or continuing course of conduct, the conduct may be considered as one offense, and the amounts of pecuniary loss to property resulting from the marking of the property may be
aggregated in determining the grade of the offense.
(d)  An offense under this section is a state jail felony if:
(1)  the marking is made on a school, an institution of
higher education, a place of worship or human burial, a public
monument, or a community center that provides medical, social, or
educational programs;  and
(2)  the amount of the pecuniary loss to real property
or to tangible personal property is less than $20,000.
(e)  In this section:   
(1)  "Aerosol paint" means an aerosolized paint
product.
(2)  "Etching or engraving device" means a device that
makes a delineation or impression on tangible property, regardless
of the manufacturer's intended use for that device.
(3)  "Indelible marker" means a device that makes a
mark with a paint or ink product that is specifically formulated to
be more difficult to erase, wash out, or remove than ordinary paint
or ink products.
(4)  "Institution of higher education" has the meaning
assigned by Section 481.134, Health and Safety Code.
(5)  "School" means a private or public elementary or
secondary school.    



Edited by jrzygirl on March.08.2010 at 1:11pm


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hvacman
Posted: March.08.2010 at 2:03pm | IP Logged Quote hvacman
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zackay wrote:
If the vehicle is parked at your house then YES homeowners insurance should cover it which would be only 1 deductible for both situations. However, as I also said most of these have a good chance of being cleaned up with a little elbow grease and don't ever have to get reported to insurance anyway.
You sure about that? Go check. Also, the simple fact remains, there is a substantial out of pocket expense that you or the homeowner incurs. Why should the little punks only pay half? And Why should you or I clean it. Why not them, it was their elbows that did the damage.


I don't understand your point about each kid paying $500. Are you saying it's too much and they won't be able to get it or are you saying it's not enough? Not sure what point you were trying to make there.

I said that if there is $2,000 out of pocket expense from the homeowner and the punks only pay half that is $1,000. Now if you divide that by 2 (assuming there were 2 punks in attenedance the night in question) that means that each punk only pays $500.

Just using your 1/2 price sale idea.

Why is my expressing my opinion on this such a problem? OK, so some of you disagree. That's your right but you know, people DO have different thoughts about things and THAT'S OK. Who knows, maybe they will hit my house before they're done. It's certainly a possibility. I've already had 2 stereos stolen out of my vehicles since I've been here (the first time 3 weeks after I moved in) so I've been hit by some mischief myself. If they had caught who did it, I would have wanted the kids (assuming it was kids) to pay me back for new stereos not the parents.

No problem with your opinion. Just seems to me that your idea of letting the little punks off with 1/2 the cost is a little ridiculous.

Whatever, the homeowner that was graffittied SHOULD NOT PAY A DIME. The full amount is up to the punks. If their parents won't/can't pay, who cares. The punks should do it. If the parents want to work out a 1/2 price deal with their kid, then so be it.

 



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mnowicki
Posted: March.08.2010 at 2:05pm | IP Logged Quote mnowicki
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I made a mistake on the last post.  It's not gray bar, it's called Clay Bar.  It won't damage your clear coat, and it's a lot cheaper than having the car repainted.  Here's a link to the product at Autozone: http://www.autozone.com/autozone/catalog/accessories/accProd uctDetails.jsp?counter=2&categoryDisplayName=Wash+and+Wa x&fromString=search&itemIdentifier=189455_0_0_&p roductId=189455&sortType=&parentId=1818-10&filte rByKeyWord=clay+bar&categoryNValue=101818&navValue=1 00197&fromWhere=&itemId=197-10&displayName=Pre+C leaner&store=1578&skuDisplayName=16+oz.+showtime+ins tant+spray+detailer%2C+80+g.+clay+bar+and+4+oz.+liquid+clean er+wax+paint+saving+system&brandName=Mothers

 

 
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WCP13
Posted: March.08.2010 at 2:39pm | IP Logged Quote WCP13

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Parents are responsible 100%.  However the parent decides to carve it up between the child and the parent is none of my business.  Prosecute even first time offenders to make it painful enough for them not to want to do it again (100 hours of community service at a minimum and no easy community service).  If you let them off without any consequence they may decide to do it again.  
 
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joseguia
Posted: March.08.2010 at 2:52pm | IP Logged Quote joseguia
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Sweet, .. as soon as we find out who did this .. we can cut off their gonads and only pay to get one sewn back in ... sounds like a bargain to me.




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SC Parent
Posted: March.08.2010 at 3:11pm | IP Logged Quote SC Parent
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I realize that some parents have their ways... grounding - time outs, etc... I have mine... which consists of my hand or a paddle but the end result is a case of "Red Ass!" and a memory to last a lifetime! So I guess since my almost 19 year old son hasn't EVER cost me a court date, bond money for jail, screaming parents with destroyed property... guess the warning worked! Don't get me wrong... most things my kids do result in grounding or the removal of certain priveledges.... but something like this - that kinda thing just isn't enough!

 
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zackay
Posted: March.08.2010 at 3:14pm | IP Logged Quote zackay
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hvacman wrote:

zackay wrote:
If the vehicle is parked at your house then YES homeowners insurance should cover it which would be only 1 deductible for both situations. However, as I also said most of these have a good chance of being cleaned up with a little elbow grease and don't ever have to get reported to insurance anyway.
You sure about that? Go check. Also, the simple fact remains, there is a substantial out of pocket expense that you or the homeowner incurs. Why should the little punks only pay half? And Why should you or I clean it. Why not them, it was their elbows that did the damage.

OK, I checked and it turns out you are correct. There is a special clause regarding vehicles since they are required to have separate insurance. Anything else on the property that may be tagged would be covered though. I stand corrected on that issue.

As far as why they should only pay half... actually I'M the one saying they should be having to pay anything at all. Everyone else said the parents should pay and sort it out with the kid later. Personally, I'm with you... if the kids did the damage let the kid pay cost of repair... but considering the response I got from suggesting they pay half I wasn't about to go there. Kinda funny though that some people are upset that I say the kids pay anything and you are upset that I didn't say they pay enough. A gal really can't win here. 

To the who should clean it up issue... I quasi-agree with you on that one too. If I caught someone in the act, I would certainly want them out there scrubbing it off not me. However, since that isn't what's happening here, time is of the essence to keep it from setting in too much and unless you want to leave the graffiti there on the hopes that the punk is caught quickly, then sadly the only option is for the homeowner to clean it themselves.


I don't understand your point about each kid paying $500. Are you saying it's too much and they won't be able to get it or are you saying it's not enough? Not sure what point you were trying to make there.

I said that if there is $2,000 out of pocket expense from the homeowner and the punks only pay half that is $1,000. Now if you divide that by 2 (assuming there were 2 punks in attenedance the night in question) that means that each punk only pays $500.

Just using your 1/2 price sale idea.

Again, my preference would be that the punks have to pay the whole amount but that isn't how our system is set up. I was trying to make them pay SOMETHING and just arbitrarily picked 50%.

Why is my expressing my opinion on this such a problem? OK, so some of you disagree. That's your right but you know, people DO have different thoughts about things and THAT'S OK. Who knows, maybe they will hit my house before they're done. It's certainly a possibility. I've already had 2 stereos stolen out of my vehicles since I've been here (the first time 3 weeks after I moved in) so I've been hit by some mischief myself. If they had caught who did it, I would have wanted the kids (assuming it was kids) to pay me back for new stereos not the parents.

No problem with your opinion. Just seems to me that your idea of letting the little punks off with 1/2 the cost is a little ridiculous.

Whatever, the homeowner that was graffittied SHOULD NOT PAY A DIME. The full amount is up to the punks. If their parents won't/can't pay, who cares. The punks should do it. If the parents want to work out a 1/2 price deal with their kid, then so be it.

I agree with you but I think I already stated that twice in this response so it would be redundant here.


 



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TheHatGuy
Posted: March.08.2010 at 3:28pm | IP Logged Quote TheHatGuy
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This thread is getting ridiculous.

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zackay
Posted: March.08.2010 at 3:34pm | IP Logged Quote zackay
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TheHatGuy wrote:
This thread is getting ridiculous.


Hey, something I can agree with!!


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joseguia
Posted: March.08.2010 at 4:13pm | IP Logged Quote joseguia
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TheHatGuy wrote:
This thread is getting ridiculous.


point out a thread that hasn't


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TCHSmomof3
Posted: March.08.2010 at 4:13pm | IP Logged Quote TCHSmomof3

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After reading this post, I asked my kids if they knew anyone at school that was part of the gang that uses blue spray paint and the #13.  Not surprisingly my kids rattled off several names of known gang #13 members at the school.

Just wondering if anyone else has thought to ask their kids if they know any known gang members and report their names to the police or Officer Cochran at TCHS?

Considering how many residents of TC read these forums and considering many of us have kids in junior and high school, well if the police get enough tips about possible gang members and oh lets say a few names keep getting repeated by various tipsters well surely our fine police department will take notice of those individuals?

Just a thought
 
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designerlady
Posted: March.08.2010 at 5:55pm | IP Logged Quote designerlady
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Vajdcpa wrote:

4.  Home alarm systems not only tell you when the bad guys are trying to get in - but can also tell when the little troublemakers are trying to get out. 

Too expensive.  Plant mint and rosemary outside their window and sniff their shoes in the morning...

 



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Lisa L
Posted: March.08.2010 at 6:42pm | IP Logged Quote Lisa L

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designerlady wrote:
Too expensive.  Plant mint and rosemary outside their window and sniff their shoes in the morning...

A great big GIANT !

 

 



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designerlady
Posted: March.08.2010 at 7:44pm | IP Logged Quote designerlady
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Lisa L wrote:

designerlady wrote:
Too expensive.  Plant mint and rosemary outside their window and sniff their shoes in the morning...

A great big GIANT !

 

 

My honey is a smart man....

Oh, and lavender works as well.



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terri09
Posted: March.08.2010 at 8:38pm | IP Logged Quote terri09
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joseguia wrote:
TheHatGuy wrote:
This thread is getting ridiculous.


point out a thread that hasn't

yes, when people feel the need to drag out the crayons, paste and safety scissors in the attempt to make their posts more interesting, you have once again reached the point of worthless reading.

happens all the time, but at least the colors show you were to stop reading.



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viperschick
Posted: March.09.2010 at 8:08am | IP Logged Quote viperschick
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I am so sorry this happened to you.  I can honestly say I know how angry you feel.  This has got to stop.  I am so sick of the juvenile criminal activity here in The Colony.  I hope these individuals are caught by either the police or the residents.   And if the residents catch them.  TEACH THEM A GOOD LESSON! 

 
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debkntx
Posted: March.09.2010 at 11:27am | IP Logged Quote debkntx
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I'm sure our fine men and women in blue have a good idea what is going on with this, they have a fine group who deal with this kind of thing all the time, surpriseingly  that this goes on in TC.

This is our last class with the academy and we have learned quite a bit in the past 2 months and I'm really proud of being a member of such a caring community.

At the risk of some angst, my opinion, (and you  know what they say about those,,hehe,) is that if the children are minors then the parents should be finanacially responsible for the damage and for the inconvenience and distress this has caused all the victims, how they  get it back from their little hellions isnt my business, but the hellions need to do some sort of community service such as clean up this type of mess that other hellions make, let them be on call until they serve a certain amount of community service in that area.

And I'm not sure but it seems to me that a homeowners policy or a car insurance policy will cover damages of this sort but from the perps side, not the victim, anyone have any  ideas on that?

 
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jax1602
Posted: March.09.2010 at 11:51am | IP Logged Quote jax1602
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Listen to this. My parents got their fence/house spray painted a couple of weeks ago here in The Colony. The NEXT day the CITY CODE ENFORCEMENT told them to get it removed in 36 hrs. or they would be FINED. Yep, they got a huge florescent paper on the door with this warning. Seems like the city should put just as much effort into preventing this in the first place.
 
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TheHatGuy
Posted: March.09.2010 at 12:09pm | IP Logged Quote TheHatGuy
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"Seems like the city should put just as much effort into preventing this in the first place."

And just what would you have them do to prevent this?



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hvacman
Posted: March.09.2010 at 1:39pm | IP Logged Quote hvacman
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Disenchanted
Posted: March.09.2010 at 2:14pm | IP Logged Quote Disenchanted
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TheHatGuy wrote:

"Seems like the city should put just as much effort into preventing this in the first place."

And just what would you have them do to prevent this?



I was waiting for someone to blame the city. I just forgot to say wait for it...


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Lisa L
Posted: March.09.2010 at 3:44pm | IP Logged Quote Lisa L

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Those stinky punks hit Five Star!

 



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zackay
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Lisa L wrote:

Those stinky punks hit Five Star!

 



Yeah, we saw some of the markings on our walk out there earlier. They also got a couple of fences that back up to 5 Star.


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Colony Realtor
Posted: March.09.2010 at 4:19pm | IP Logged Quote Colony Realtor
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Disenchanted wrote:
TheHatGuy wrote:

"Seems like the city should put just as much effort into preventing this in the first place."

And just what would you have them do to prevent this?



I was waiting for someone to blame the city. I just forgot to say wait for it...

Does anyone remember watching The Naked Gun movie with the Anti-Graffiti Wall?

 

 
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