They brought in fans and industrial strength dehumidifiers. They set up a deodorizer and other equipment – all and all they did do a pretty nice job. The house does not stink, hence it is livable.
Then nearly two weeks after the initial damage the adjuster comes out and inspects the property. At the end of the inspection he informs us that he does not think we are covered, but will go and check our policy.
At this point I was not worried as I could not even imagine that this would not be covered. This is exactly what you have insurance for. A big storm comes in and causes damage, well it’s covered, right?
ANSWER: NOPE – big fat round ZERO!!!!!
Here we are with a big bill coming from the restoration company, a giant electric bill for all the equipment that ran for over a week, and no basement living space!
A list of Damages: we lost a full bathroom, my son’s bedroom, and a recreational space.
The gas stove no longer works.
We are reduced to five people to 1 bathroom
The loss of the space is huge!
The area is worse that not finished, it has exposed tac strips and glue residue. Everything is piled up such that the space is nearly unusable.
What the hell good is insurance – they never cover anything!
I am feeling more than a little inadequate and that is not a very good feeling. My dear wife is totally stressed and I can't help, in fact I am making things worse. School is expensive and I am dropping down in hours. I am going to be nearly absent, thus I can't do it myself. Just can't! - worthless - WORTHLESS.
If I can’t get this fixed by insurance then it’s only right that my house should be re-assessed for taxes and we get a break there! When we finished the basement we got an enormous tax bill – well its no longer finished so where is my refund?
I need someone to choke the living sh!t out of. Any insurance agents out there (American Family would be best)?
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