Clean up for the garage/shop fire has been arduous and incredibly dirty.
Grandson Devin contributed a work day, as did son Howard, and a friend, S.A. The warped and blackened metal has been hauled away, crushed rock has been spread through the vanished side alleys that housed tractors, pickup, car, zero-turn mower and a host of smaller oddments.
Jim has mulled various options for rebuilding, but until we know to what degree our insurance claim will be honored, it isn't possible to settle on a final plan.
We have grievances with the local handling of the claim; perhaps that is a standard response.
We carefully prepared an itemized inventory of lost items, handed it to the local agent 16 days after the fire, then Jim clambered through the wreckage to take photos of nearly unrecognizable items per request of the agent. I forwarded those to the area adjustor, again as requested. We haven't bombarded the agent with questions, knowing that time would be needed to sort this, and after all, we aren't the only area clients who may have claims in process.
What we've found perplexing is lack of communication and the vagueness of the agent and the local adjuster when we've asked for a progress report.
I'm not impressed with a young man [local agency head] who sits with feet propped on his desk and his gaze fixed somewhere beyond our heads when we are in his office!
I think we could have been told that the area adjuster was coming out to view the site, or, after the fact, that she had been here when we were not at home.
Ultimately we learned that our claim was handed off to an independent adjuster in Texas!
This man has been attentive, has asked for details, has held several long phone meetings with Jim.
He will be submitting his suggestions by the beginning of next week, but has warned that the paperwork may have to go through several more offices before a settlement offer is made.
We have ventured a claim that is considerably below the limit of our policy.
This situation is aggravating, to say the least, but we know we are blessed that we had savings to tide us over with a vehicle and the most necessary of tools beyond what Howard promptly loaned.
The only mess remaining is two faintly smoldering heaps of 'junk' that will eventually be scooped up and hauled away.
We've been able to turn some of our attention to gardening. The big rototiller that goes behind the tractor has proved functional, and the small Troybilt that Matt provided has been handy.
We've collected new rakes, hoes, shovels and hand trowels and diggers.
The weather is still dry and temperatures dropped with the turn of the calendar page--essentially we had May weather in April and now into a third week of mostly sunny but windy and chilly days.
No comments:
Post a Comment