What’s in Store

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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.

 

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One of many photos of one of many adventures on the driveway with Big Red last 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.)

 

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One of the pics sent in early Feb of the water coming down our living room wall

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.

 

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Some of the mitigation happening on that very same wall.

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.

 

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Cleo inspecting the remains of our front lawn & plant life after the melt. Damage is from heavy equipment used to move snow/ice off of the roof and away from the house.

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!

 

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The lawn beneath the mountain ranges of snow has actually collapsed!

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.

 

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Me, helping out at Clearwater Montana Property’s 4th of July celebration as our trailer passed by in the local parade!

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.

 

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I could seriously use some of this right now!

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!

 

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Top part of the deck is lower than the bottom… 

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.

 

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Water dripping through the T&G this winter

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.

 

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What our gorgeous landscaping looked like in June of 2017.

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.

 

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Practicing for when my new desk would arrive.  It eventually did & I’m typing at it right now.

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.

 

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One of our agency’s incredible view properties I get to share!

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!

 

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“The Look.” Cleo’s thoughts on the whole insurance claim. (Photo by Merielle Kazakoff, one of our evacuation party attendees of last summer when she visited 2 weeks ago!)

 

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How we’ll get through all of this!

 

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Alistair’s favorite ‘float’ during the parade. 

 

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Another stunning, private property I got to preview last week!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Seasons of Change

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playing golf in North Dakota earlier this month

Its hard to believe, but the snow is actually almost all gone.

There is still a few feet remaining up high in the mountains surrounding us in Montana but the incredible piles that were stacked around our home to make their own makeshift mountain range have melted.

 

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stacked snow in March

We left Montana with 3 feet of snow for a reprieve and time together in Bismarck. Alistair and the 3 cats took off early one morning and I followed with Cleo that afternoon after giving a fun interview with Indie Review (search Tanya Fyfe on YouTube) to promote my book, Secrets Abound in Missing Lake.

I chose to promote last year’s publication instead of writing this past winter because I wanted to learn the process and see what some marketing could do. I’m glad I didn’t try writing because the amount of plowing and snow removal didn’t allow for much creativity and I think my writing would have been frustrating.

 

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This wouldn’t have made for a very relaxing writer’s corner.

With huge fans and dehumidifiers whizzing 24/7 and strangers and their machines traipsing through the house and us living in the guest room since February, I haven’t felt much like creating this spring. So it was a good call to choose to market.

And through the marketing I have learned a lot and I got my book out to a lot of different people and I’m getting close to wrapping up my first Book Blog tour! Blog sites like Rockin’ Book Reviews, Community bookstop, Ashley’s Bookshelf, My Reading Journeys and Bound 2 Escape signed on to “host” a stop on the tour.

Its a lot like a band going on tour, making stops in a variety of cities and performing. Only on this tour the cities are virtual and the bloggers review my book. Some also provided excerpts and its been great fun seeing what people think about my book and my writing style!

 

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Wendy & I in Watford City

While in North Dakota, I spent a day with my good friend, Wendy Ruud and we had a book event in Watford City, where we had first met in 1994. Book sales were decent, especially since I sold to some people who had no idea who either of us were.

And then I got notice that my book actually won an award! My first book award! Secrets Abound won Distinguished Favorite for teen fiction in the Independent Press Awards! It didn’t come with prize money but it did come with stickers for my books, which is the next-best thing.

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North Dakota didn’t have any snow at all when I arrived towards the end of April. Our horses got to enjoy the first bits of grass peeking through and they had mostly shed their winter coats.

As always, they remembered their ‘Mum’ and came right up to greet me whenever I would be out with them. Especially the few who have spent most of the past 10 years in Montana full time with me, like Zeus and Frankie.

 

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Zeus & Frankie! My boys!

The herd dynamics had changed, though, which Alistair had warned me about over the winter. Our oldest Arabian broodmare, Susie (RJA Misty Bey), who had been Boss Mare for over a decade had begun to lose weight along with her position at the top.

Horses are herd animals and they have unique dynamics within each herd. Our group has been together for all of their lives, save for Katie and Jake, and their established rankings never changed.

Until Susie started to lag behind and be “told off” by the younger horses who are allowed to the  best grass or the best hay whenever they choose.

 

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More of the herd: Penner, Fumie and Cassie up front.

I watched Shilo and Zeus both toss their heads at thin Susie and knew she had become the lowest horse on the Fyfe totem pole. When older horses begin to lose weight it can pick up speed like a freight train and that was also happening with our 28 year-old matriarch.

It was, sadly, Time.

And just like that, we are down to 10 horses.

Along with 3 cats.

And 1 dog.

 

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Back in the day. (Susie’s daughter, Cocoa & her foal, Spyder are on the far left!)

Its a far cry from our heyday as Pair O’Docs Paints when this time of year had us up through the night waiting for foals to be born.

Its a far cry from hikes in the forest with 4 rambunctious canine companions and one hilarious blind little train wreck with a hare lip and a heart murmur waiting for us at home.

 

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Our own little dog pack.

And its an unrecognizably far cry from having a pride of cats line up for soft food in the kitchen every night.

 

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Back in Bismarck a long, long time ago. Sport and Cooper aren’t even shown here!

We’ve been so lucky to have met and shared the journey with so many interesting spirits of so many species and its helped shape us even if the changes that occur when these spirits leave us are sad.

But that’s life, right?

While the seasons are changing before our eyes right now it makes me think about the seasons within our own lives. And how they change, whether we’re in charge of it or not.

 

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Hoo boy.

After 3 weeks in North Dakota we returned to a snow-less yard around our Montana home. We could finally see the extent of the damage to the deck out back. Our insurance adjuster and the head guy from the restoration company joined us on a walk-about as we chatted about the roof, the lawn, the deck and the interior walls that need to get rebuilt.

More changes ahead, apparently.

Thankfully our creek behaved itself during the incredible melt but the community of Seeley Lake had some flooding thanks to high, fast-moving waters.

 

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Our creek next to our house a couple of weeks ago.

My home town of Grand Forks, BC, where I’ve taken you through this blog in the past, has not fared so well with the melt this year.

Sadly, heart-wrenchingly, the town has flooded like never before and dozens of homes will have to be destroyed. I’ve watched posts and news clips over the past couple of weeks as people wade, thigh-deep, in brown, murky waters to recover items from their homes.

People float along the streets in kayaks and row boats.

People have spent hours filling and distributing sandbags in a very Canadian effort to try to protect homes and businesses from the force of the swollen rivers that converge there.

The Canadian military got there yesterday to help with the disaster.

 

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My old high school in Grand Forks… closed last week because of the community’s disaster.

Things are going to change in Grand Forks, and it will take a long time for things to be considered normal again. My family is high and dry where they live but I have friends who are living in makeshift accommodations and my heart goes out to them.

I’ll share only a couple of photos that aren’t mine… I find they tell the story just as well without words.

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Spring is here, complete with her massive snow melt, her green grass, her hundreds of calves along lonely highway 200, her golf courses opening up and her friend, Winter’s insurance claim on our house.

I’m approaching a new season in my own life as well and, just like every change, it can be frightening. Change does build character (I must have it in droves!) and as nervous as I am I’m also excited. I’m not sure if this will be a full seasonal change for me or not. I’m really not sure how we’ll make this particular change work but I’m eager to try.

I didn’t just plow and shovel snow and market my book this winter. I made a point to do some personal growth and I took a course and learned a lot. I have a job to begin but the details are fuzzy so I’ll leave them blank.

For now.

 

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Along highway 200 2 weeks ago.

I’m not quite like the seasons, though. Winter shed its snowy coat and becomes something new altogether.

I’m not changing that much. I’m still me.

The Alistair-loving, figure skating, veterinarian, author (award winning!), golf-loving, bling-slinging, blogging, wine-drinking, crazy cat lady who is as Canadian as she is American.

Stay tuned, though, to find out just what else I can be!

 

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hubby-loving golfer

 

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I doubt this will change much

 

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Play it as it lies! (ND earlier this month)

 

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Someone got rid of her own winter coat this week and wanted me to share!