Maitzi Horner

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I have never worked with Milliequivalents before, or even heard of them...! That being said, I am hoping someone can critique my answer, please:

Order is for K+ elixier 30mEq po

On hand is K+ elixier 20mEq/one oz.

How many mL will you administer?

I did the following:

On hand is 20mEq/1 oz.

Therefore 30mEq/1.5oz.

1 oz = 29.6mL (rounded to the tenths place)

Therefore 1.5 oz = 29.6 X 1.5 = 44.4

Answer = 44.4mL

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However, the insurance company is not required to pay above the limit stated on its “dec” page. This coverage stops when you rebuild or permanently relocate. What should you know about filing your claim? If your home has been damaged or destroyed, file your insurance claim as soon as possible. If you are insured with Foremost, you can file your claim by calling: 1-800-527-3907 or visiting www.foremost.com. If you belong to American Modern, you can file your claim by calling: 1-800-375-2075 or visiting www.amig.com.

If you have a different insurance company, by visiting www.dora.colorado.gov/consumer-protection-insurance. Once you file your claim, request a complete copy of your policy. The full policy includes the “dec” page in the example above, but it will also include many more pages that explain how the policy pays your claim, what you have to do, and any exclusions or limitations that apply to your situation. Once your claim is open and adjusted, request an Additional Living Expense (ALE) advance.

ALE coverage pays for your hotel or rent until your home is repaired or replaced. This coverage is the amount in the example above shown as “Coverage D” (in the example above, the policyholder has $10,661 available). For claims related to a state-declared emergency, insurers must offer ALE for a period of at least 24 months, with extensions of up to an additional 12 months, for a total of 36 months, if an insured acting in good faith and with reasonable diligence encounters a delay or delays in the reconstruction process that are the result of circumstances beyond the control of the insured. [CalIns. Code 2051.5 (b) (2)]. Check to see if your policy covers "debris removal."

To remove what's left of your home, you must obtain a "salvage certificate" from the California Department of Housing and Community Development. You can call them at 1-800-952-8356 or email them at ContactRT@hcd.ca.gov. 1) There is no fixed formula, depreciation is subjective and negotiable.

The next step is to take stock of your losses. You may be required to submit a detailed inventory of your personal property. For help, including a pre-filled inventory spreadsheet, visit: www.uphelp.org/download. You can request our hard copy “Disaster Recovery Handbook and Home Inventory Guide” by calling 415-393-9990 or emailing info@uphelp.org. For the structure portion of your claim, you'll want to start looking for a replacement home and provide the insurance company with estimates to replace your home with a similar one.

3) Sometimes depreciation deductions are recoverable, sometimes not. Once you submit proof of loss or inventory of your personal property, your insurer must send you a check for the “Craig’s List/Craig’s List” value of anything subject to depreciation. Adjuster mistakes are common and rarely to your advantage. California law requires your insurance company to depreciate your personal property based on age and condition, so back off if an adjuster is trying to depreciate everything by a set percentage across the board, or write down the value of items that were in excellent condition.

If you have replacement cost coverage, you'll have the opportunity to replace items and submit receipts to your insurance company for the difference between the price it costs to replace the item in today's dollars and what you were paid after depreciation. For your home, check to see if you have replacement cost coverage. If so, your insurance company must pay you the depreciated value up front and the replacement cost once you buy a new home. For more information on depreciation see: http://uphelp.org/pubs/depreciation-basics.

2) Some items do not lose value due to age and should not be depreciated. Your insurance policy may give the insurance company the right to apply “depreciation” to your property when calculating what you are owed. Depreciation is a reduction in the value of an item to take into account its age and condition immediately before it was damaged or destroyed. Think of depreciation as the "Craig's List" value of an item used versus the amount it would cost to buy it new.

It is important to understand three things about depreciation:

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