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Când RPC decide să meargă în Taiwan, este puțin probabil să se deplaseze într-un mod care să facă o decizie clară a intervenției SUA. În cazul în care China ar decide, cel puțin inițial, împotriva unei invazii la scară largă a acelei insule naționale, ar putea opta în schimb să încerce să „câștige fără luptă”. Beijingul ar putea face acest lucru folosind marea sa flotă de pescuit controlată de stat pentru a tăia insulele mai mici controlate de Taipei de la Taiwan, întrucât RPC masează acum bărci de pescuit pentru a extinde mările controlate de China pentru a revendica reciful japonez Senkakus și Whitsun în apele filipineze. Companiile chinezești de pescuit de stat – care fac parte din așa-numita „miliție maritimă” – servesc drept fronturi pentru serviciile de informații PLA. Folosirea flotelor lor pentru a opera într-o manieră undeva între pace și conflict în zona gri de control contestat din jurul Taiwanului ar permite Beijingului să testeze dacă SUA și aliații săi sunt dispuși să ajute la apărarea independenței insulei fără a fi văzuți să inițieze un conflict deschis. „Cipher Brief a devenit cea mai populară priză pentru foști ofițeri de informații; nicio mass-media nu este chiar o secundă apropiată de The Cipher Brief în ceea ce privește numărul de articole publicate de formatori. ” – septembrie 2018, Studies in Intelligence, Vol. 62 Nu. Accesați toate perspectivele experților centrate pe securitatea națională a Cipher Brief devenind membru Cipher Brief Level I.

The "Contents Pack-out" Trap and How to Escape It

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“Contents Pack-out” is a term used by water and fire restoration contractors, and insurance companies. It is the process in which the contractor sends trucks, boxes and workers to your home. They pack up all of the damaged personal property in your home or business and transport it back to their warehouse. Once the personal property is at the warehouse, the contractor begins the cleaning and restoration process.

Insurance companies do not like to replace personal property. They would rather clean or repair it and give it back to you. That drastically slashes their claims cost, which makes them happy.

I’ve been an insurance adjuster for over 16 years, and in the insurance business for over 35 years. I’ve seen very few instances where seriously damaged personal property can be just cleaned or repaired successfully. Most fires burn or infuse toxic chemicals into personal property, like wood or textiles. Same goes for a flood loss. My personal opinion is that replacement of damaged personal property is better than repair or cleaning.

So, what is the trap?

Insurance adjusters like to swoop in with their favorite approved restoration contractor and do a “pack-out.” But your insurance policy has a limit on Personal Property. All of the money that the insurance adjuster authorizes to have your contents cleaned is paid against the policy limit. So, if the restoration contractor cleans a bunch of your damaged property, but you reject it as damaged, the contractor still gets paid. But you have less money now to replace your damaged personal property.

The trap is that a pack-out can penalize you when you are submitting your insurance claim!

Here’s the Escape Strategy

1. You own the personal property…not the insurance company and not the restoration contractor. It is YOUR DECISION what gets repaired and what gets replaced, not the adjuster.

2. Call in your own restoration contractor for a second opinion. It shouldn’t cost you anything, but even if it did, it would be money well spent.

3. Make sure every single item that gets removed from your home is listed on an inventory sheet.

4. Based upon your contractor’s opinion, negotiate the replacements with the adjuster and settle the claim.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

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