The title of this blog is as much a statement as a question in regards to our house insurance claim thanks to the incredible amount of snow & ice we fought against this past winter.
For a quick recap, we got buried a couple of times after days and days of heavy snowfall. It rained hard for almost 24 hours each time and then it froze. Our roof eaves took a beating and I chronicled it all with photos, social media posts and this blog.
I sent our insurance agent some pictures in early February, which was when I realized water was leaking down inside our walls and beneath the wood stove in our living room. (For the record, I’m not going to mention people’s or company names. Not yet, anyhow. I’m trying my best to protect them but if they don’t do the right thing I am willing to use my voice & platforms to drag them through the mud. Its not my style but it may end up being all that I can do.)
Our agent is a friend who lives a couple of hours north of us. They didn’t get the amount of snow that we did but he could appreciate our situation, knowing that our community is fairly well-known for high snow volume. He initiated a claim the next day and the adjuster showed up a day or two later.
Since then I’ve shared the sheer joys of having heavy duty fans and enormous dehumidifiers running around the clock in our large house. I’ve shared my excitement at having strangers rumble through our world removing walls, ceilings and privacy. We laughed as we moved part-way into the guest bedroom and I’ve even started an entry in our guest journal.
I wrote to our insurance agent and the adjuster expressing concern that the snow removal that was occurring as I typed was likely destroying some of our professional landscaping and plant life around the house and was told that we’d address it when the snow melted.
That made sense.
Which is why I okayed the offer of a second snow-removal effort with heavy machinery and large, beeping pieces of equipment after another dump of snow.
Since then the drama has evolved over payments and one of our two mortgage companies. Our primary mortgage holder has required form after form after form to be submitted by ourselves, our adjuster, and/or the restoration/construction company our adjuster chose out of Missoula.
The snow removal and mitigation that was done back in February totaled over 21 thousand dollars and the insurance check to cover that is stuck somewhere in limbo thanks to said mortgage holder. The main delay with it all has been the fact the mortgage company has never let us know, after each submission, when something else is required. (If I could bill for my time spent on the phone during all of this I would have the 21 K right now!)
With every call to the mortgage holder I then emailed or called the adjuster as well as the restoration company to let them know I was doing everything I could to get them their money. With all that I went through as a business owner I can certainly appreciate when you aren’t getting paid for work that was done!
While leaping into a brand new job with a sparkling new career I’m trying to learn, and with Alistair back in Bismarck, the mortgage holder required even more paperwork and signatures and formal letters on actual insurance company letterhead 3 weeks ago. They also needed paperwork from the county stating why our ‘street’ name changed in 2007.) Each and every step, form or signature takes a minimum of 3 days as I have to email or call whoever is involved and then they have to find or sign or complete whatever it is that’s been requested and then they send it to me and I figure out which department of the mortgage company to send it to. Throw in a mid-week national holiday to complicate the movement of things.
After 2 weeks of the latest round of craziness our restoration company threatened to slap a lien on our house, which didn’t sit particularly well with me.
Alistair and I dealt with this in our long-distance style and without going into detail we got a personal check sent the next day to the restoration company and the lien will never be mentioned again.
Our funds are still held hostage but I’m really hoping that this week the mortgage company will have everything they could possibly want and they will release our funds.
This is what I mean by the title of this blog being a statement and a question. I’m sharing what’s in store and I’m also wondering about it at the same time.
The money isn’t the main issue right now, though, because I know its there and I know, eventually, they will run out of things to require (if they ask for my first born I’m hooped!) and the money willarrive.
Last week, my Knight in Shining Armor got home and I greeted him with one of those “I’ve got good news and I’ve got bad news” statements. After 10+ hours on the road he chose the good news.
I cheerfully shared with him the fact I had learned, 30 minutes prior, that our adjuster had finally approved a full new roof. This is significant for every reason we can all come up with and has been in discussion for months. Every quote came in really high because of the size and scope of the project and our adjuster seemed to struggle with an answer.
They also approved the deck, which wasn’t really in question because, lets face it, the deck is a wreck!
The bad news?
Apparently there is an exclusion clause in our insurance that states there will be no coverage for lawns, landscaping, and trees.
The quote our adjuster got for that (20 grand) is included with everything but then its crossed out because, obviously, our adjuster had thought it would all be covered until he found that clause.
I’ve since emailed our adjuster and shared our concerns. I get it that insurance companies have the right to mitigate further damage but they don’t have the right to destroy our landscaping. And I never, ever would have approved the second round of snow removal months ago (because as you all know, I can handle a bit of snow!) if I knew nobody was going to take responsibility for wrecking our lawn and shrubs.
Nevermind that nobody seems to know what we’re going to do with the ceiling tongue & groove damage or the beams in the kitchen sunroom.
Now that I’m in the realty world (notice I didn’t write, ‘reality’ because, in all honestly, life has felt pretty surreal for 12 months now), I know that if we ever go to sell this home we will have to disclose this large insurance claim. That makes it harder for a buyer to secure great rates on insurance which effectively lowers our home’s overall value.
Add to that the fact that our lawn and landscaping looks like ass unless we fork out 20 grand to fix the stuff that was destroyed by people we didn’t choose who were hired by a restoration company chosen by our adjuster thanks to a claim we never requested.
I’m hoping our friend, the insurance agent north of us, can help us make sense of what’s in store. He was out of the office all this past week so hasn’t had a chance to respond to any of this. He would only be finding out about the lawn & landscape issue and our subsequent displeasure now. He’s a heck of a good guy and we talk Labrador retrievers often and I hope he can go to bat for us on this.
And I’m not complaining. In the grand scheme of things, this isn’t a huge deal. I’m just putting some stuff out there and sharing Fyfe Life for the insanity that it is at times. I’m enjoying my new office and colleagues and I’ve got a lot of support from everyone on this real estate adventure.
I’m on “floor” duty today because summer tourists could actually walk in and want to learn about or even see properties and local homes. Tomorrow we will talk with our agent and hopefully move forward into what’s ahead. And hopefully I’ll never have to disclose company names and slag them to my readers and my homeowners who ask for my advice because that just isn’t my style.
An ambulance just went roaring past our office with its sirens blaring.
It reminds me that someone and their family are having a way worse time today than I could even imagine.
The sun is out and summer has arrived. Alistair is already on the golf course and I’m hoping I can meet him there again after work to play a few holes.
And our guest room is really quite nice so with the distractions of a new career, the optimism that our friend will help guide us in a way we can all agree on over the next few days, the beautiful properties I hopefully get to show people, a cuddly dog and 3 cats who provide comfort and peace just by letting us pet them and our shared wacky sense of humor, we are going to be just fine.
To paraphrase the Canadian Prime Minister, Justin Trudeau, though, we, as Canadians, are very polite. That doesn’t mean we will allow ourselves to be taken advantage of. We will stand up for ourselves when it is appropriate to do so.
So, again, grab the railings and hang on.
You never know what’s in store in Fyfe Life!