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.
I fully understand your frustration with the insurance company. Storm damage on our roof, years ago, was a trial in patience! Sending you all my best vibes for getting through this.
ReplyDeleteMichele; We surely didn't expect an instant settlement. Perhaps our expectations of professionalism from the local agent were not realistic.
DeleteGood vibes are appreciated, and of course we will get through the losses and the aggravations. I remind myself daily that far more tragic things happen to many people, and I've no need to whine!
Such a devastating event is sure to overshadow every other task that you would usually be doing now. It sounds, honestly, like you and Jim have made remarkable progress. This may just be a year of treading water with respect to gardens. I think you have your priorities in order. Be kind to yourselves; this too shall pass (with must dirt, grime, and effort!)
ReplyDeleteGranny Sue; Doesn't it seem that most country living projects involve effort, grime and various kinds of dirt--not to mention disruption! We do need to remind ourselves that in our early 80's we don't have quite as much stamina as in former years.
DeleteWell done that man - but my goodness he is independent, going off to haul that shed back without telling you! At least you have a temporary fix for somewhere to store tools etc.
ReplyDeleteWe are sharing your weather - 5 deg. here this morning (41 F) = COLD. I have relented and put the heating on as I am up very early as have to be at Tam's for 8.30 a.m. to baby sit Rosie whilst she is at work (Jon away at a festival). We have capricious northerly winds and sudden sharp showers. As you say, more like April. A hot spell is apparently heading our way . . .
I hope that you can get Jim to fix you another greenhouse as at this time of year, we are a bit lost without them.
Jennie; I don't envy your early morning drive over the mountain to tend Rosie; although you will enjoy being with her it will mean a long day.
DeleteI've been promised a new greenhouse of sorts but it will not likely be in place this season as it will be an extension of whatever is put together for a garage/workshop.
How disappointing to have unsatisfactory results from insurance people but it's a tale we hear over and over.
ReplyDeleteYour weather is so like what we've been having, namely May weather in April and now we have chilly nights and cloudy windy days. We did finally get a good rain this week and all the rain barrels are once again filled.
Granny M. Weather here remains unpromising and with near drought conditions this early, we suspect this won't be a productive gardening season. We usually do some supplemental watering but as it is metered county water it would be way too pricey to depend on it for more than occasional use between rains.
DeleteI suppose its a given that dealing with insurance companies is a 'head banger!'
I have kind of been out of the blogging loop lately, but got all caught up today when I read this post. I am so sorry about the fire; such a scary thing. I know you have this. You are built tough. I love those red poppies!
ReplyDeleteMary; We are grateful that we seem to be getting through the calamity of the fire, but anxious about how the insurance claim will be paid--and when!
DeleteThe poppies are a variety called 'Lauren's Grape'--more of a burgundy/purple than a true red. Some of the seed rode last autumn in a clump of echinacea to the garden of daughter and son-in-law--they are quite pleased with the unexpected display.