Deconstructing Me

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Previewing a cute new local listing this week!

Goodness! This “real job” thing has taken over my days! I’m mostly joking but its partly true. The thing is, in a resort community, summer is when you see the tourists and if I’m the only realtor sitting at her desk on a Saturday or Sunday then I’m the one hopefully getting leads.

I’m learning the language, I’m previewing the local listings, I’m ferrying people around for showings, I’m keeping the truck clean up at the house with the spray washer and I actually can talk like I sort of know where things are using street names (instead of, “turn left where a tree is leaning at 45 degrees over the road,” or, “you know where so-and-so used to live? Yeah, him. Go about 50 feet from there and the driveway is on your right.”)

I’m still laughing a lot and having a great time. All of my colleagues have different ways of presenting things and I learn from each of them.

Its still as important as ever for me to maintain a work-life balance and I think I’m managing that pretty well!

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Hiking with Alistair & Cleo (not pictured).

When Alistair is in Bismarck, North Dakota for 2 weeks I don’t mind being at the office longer or on the weekends. When he’s here, though, I have tried to book off early and meet him at our golf course one or two days a week.

He has been a dream of a house-husband when he’s here, making me yummy breakfasts and then planning and preparing many of our meals. (The meals are preceded by a relaxing soak in the hot tub, complete with a Caesar cocktail in-hand.)

Caesars are decidedly Canadian. Clamato juice, vodka, tabasco sauce, Worcestershire sauce, a variety of seasonings including celery salt and then some form of vegetable- my current choice is pickled asparagus spears- combine to make this yummy cocktail over ice.  After I spent 2 weeks coaching figure skating in Canada last summer, where my hosts made a deliciously wicked Caesar almost daily, Alistair got to work mastering the drink I was Jonesen’ for on a nightly basis. He has nailed it and as long as he doesn’t accidentally grab soy sauce for the Worcestershire, I am in Happy Hour Heaven up at our farm.

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I’m never alone when I’m in Norman!

Surprisingly, my golf game hasn’t taken as much of a hit as I originally thought it would by not playing almost daily. When I’m alone I do try to get out there a couple of times a week if I can, avoiding the touristy Saturdays when you have to hurry up and wait while playing.

I’ve managed to maintain some decent distance with my clubs and I’ve forced myself to use my 3-wood more, which has now led me to love my 3-wood more.

I definitely have to concentrate before each swing, though, as its plenty easy to get distracted by any number of things going on in my head. Real estate leads, listings, and showings. The driving in & out of Missoula to show properties all over the map for folks flying in from Colorado. The sad but necessary canine euthanasia I was honored to do when a friend reached out for a friend. Everything that’s necessary to facilitate something like that without a brick & mortar clinic while making sure you have every. possible. thing. you might need to make that happen. Our aging, deaf springer spaniel who seems to feel great but is maybe showing some signs of canine cognitive dysfunction (doggy dementia). The absolutely asinine mortgage company we are dealing with to get more funds released from being held hostage. The funds we are personally creating and paying to the sometimes pissy restoration company. The fact we are a tad extended in that regard but we’re making it work.

Bare walls. The guest room. Open ceiling in the garage. Cooler temps here and even cooler ones on their way. The disaster of a collapsed deck.

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The remnants of the upper deck after Alistair tore it up yesterday.

With funds being held hostage (NEVER get a mortgage with Mr.Cooper!!!!) and nobody agreeing to work on anything without payment up front, we were getting concerned about the 2-tiered deck off of our master bedroom (which we haven’t used since February.) If snow piles up against the house it could affect our windows and doors in there so Alistair took the bull by the horns and did his own demolition.

The destruction of Eden got its re-start yesterday and the broken, busted wood is now piled as you see it. Its no wonder we had the collapse after seeing the “support system” beneath it. I’m frankly shocked it hadn’t collapsed when we were using the deck the 12 years we’ve lived here. Check it out yourself:

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Brilliant.

The deck on the other side of the house was just as shoddy but at least it had crumbling cement footings as well as 3 posts for support- as if they wanted it to look like someone had made an effort. This side of the raised deck is complete nonsense. Clearly the original owner who had the house built got taken on a grand ride by his builders.

We aren’t 100% if we’re going to rebuild a one-level deck here or match the other side where we had a concrete patio poured and where we can relax while enjoying the peaceful forest behind our house.

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The Relaxation Grotto where we had removed a sagging deck a couple of years ago. Note concrete patio.

We think it would look nice and be functional for relaxing next to the bubbling creek that runs on the other side of the house.

The last time I wrote about the insurance claim wasn’t long ago, “Whats In Store.” Since then my optimism about the whole mess has taken a bit of a turn. Almost daily phone calls have led to insane frustration on our part including one night, after a long, golfless day at the office where I lost my shit on the phone to the latest Mr.Cooper rep, Danette. I normally can hold it together with representatives over the phone for anything because its not their fault when they have to relay bad news or they don’t get the situation. Poor Danette, however, had to hear me drop a couple of F-bombs as I choked back tears trying to explain the insanity of the situation.

It didn’t help that immediately after our 45 min phone call I got on the computer to email Alistair (who was in ND) the news and read an email from our sometimes-pissy restoration company saying they wanted us to sign a Work Stop request because we didn’t want to commit to $71,000 to get the new roof ordered/planned. (Maybe we’re unique but we just don’t have 71 grand lying around.)

My email back to the restoration company told them I wasn’t opening or signing anything, that my head space wasn’t pretty, and that I felt alone, frustrated, confused and angry- all emotions that I am not used to feeling.

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The file for our insurance claim.

We did manage to make $46,000 of personal funds (including a credit card check/loan) available and Mr.Cooper has released a teensy amount (which is stupid in its own incorrect amount and just shows me how completely messed up Mr.Cooper is) and the roof is ordered and set to start in early October. The roof total is over $86,000 and we are short the 85% deposit a little but we should be able to get there by the cancellation date (or else we’ll be out $5500 in cancellation fees.)

You see, thinking about this, along with the other thoughts that creep into my head are detrimental to my golf swing.

And my golf swing is necessary for my sanity. My happiness. My goofy sense of humor and my smile.

So I’m not at the office for my brand new career from 8:30 until 5pm every day. I maybe cut out a bit early and you’ll see me with or without a cute hubby and our awesome red golf cart, Norman hitting colored balls down gorgeous green fairways along the highway.

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Our happy place!

I am absolutely committed to success in my new career but that won’t happen if I don’t commit to happiness and that work-life balance I mentioned earlier.

Danette is now a member of Team Fyfe and calls me almost daily with updates. I will never meet this woman but we have a shared bond in trying to get Mr.Cooper to get its head out of its ass (they have $52,044.28 of our funds) and help us get our house repaired. There will be thousands and thousands more dollars that have to go through this messed-up process as we figure out the deck, the walls, the ceiling, the tongue & groove and the kitchen…

I hit a low point that night on the phone and then the computer and I think that’s the most frustrated I have ever felt. I don’t do well when I don’t have some control over my life but, thankfully, the wine fridge was full, the cats were cuddly and Alistair helped calm me down on the phone that night.

And then I played some golf the next day after another fun, learning day at the real estate office.

My folks from Colorado were great, the canine farewell was beautiful, the snow won’t wreck our master bedroom windows, Cleo runs around with an energy out of sorts with her 14 years of age and we are getting a new roof. Like a young child in a snowsuit and helmet with their arms stuck out to the side learning to skate for the first time I’m slowly taking baby steps in the acceptance that some things are just out of my control.

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Just before meeting my Colorado peeps in Missoula a couple of weeks ago.

I’ll enjoy what I can control, and enjoy the heck out of it. Like the fact I’m meeting Alistair soon at the golf course before we head home for that Caesar and a hot tub prior to him grilling up the chicken he’s had marinating for a day now..

I shall keep you posted!

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After another day at the office… my outdoor office with Norman.

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My colleagues and I at the Community Foundation banquet that was held after I wrote my last blog!

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Alistair making his yummy chili for us the other night!

 

 

 

 

 

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!