Thursday, August 18, 2011

The Scoop On The Floor

Since I don’t have much more to write about today, I guess I can begin telling you my saga with the floor in my back bedroom and the battle with the insurance company. I don’t guess it was really that much of a battle considering I really didn’t have a fighting chance, but it makes for a good story anyway I suppose. So, here it goes.

Back earlier in the year, I noticed the floor in the guest bedroom of my house was soft in some spots. I didn’t think too much about it at first because my house is, after all, around 70 years old. The soft spot got worse, however, and so I called in the experts, otherwise known as my dad and his cronies. Well, first my dad came and agreed that something was definitely wrong and then he called the cronies who said the softening was happening because the sub floor was rotting due to moisture from the ground in the crawl space.

So, I decided to wait until I got back from France to deal with the floor, primarily because I didn’t know how much money I would need while overseas and I didn’t want to worry about not having enough money with me while I was away. Obviously, I’m back from France and the floor has gotten considerably worse. In fact, after I got back, a wet spot was discovered in the floor. The spot is directly behind where my washing machine is on the other side of the wall. So, it looks like I have had a leak all this time although a few months ago I was told there was no leak.

So, I called the insurance company who didn’t want to do anything at first and when I told them the leak was just recently discovered they decided to send an adjuster out. Of course, I had to call the insurance company multiple days in a row because I couldn’t get anyone to call me back, which made me less than happy. My mother also called because she loves a good fight and so after multiple calls from me and one from my mother, they finally set up an appointment for the adjuster to come out.

That appointment was yesterday and my dad was kind enough to meet the man at the house while I was at work. It took all of about 15 minutes for the adjuster to deny the claim because the insurance doesn’t cover rotting floors even if you didn’t know there was a leak.

So, here we are with unfortunately no insurance coverage which is a big bummer. I will have to cover all the expense out of pocket. Fortunately, I received a very generous estimate from a man who attends church with my parents and I will be using his services. Unfortunately, it’s going to take almost every penny left in my savings account. Fortunately, I am blessed with a good job and will be able to replenish that savings account in due time.

Lucky for you, this mini-renovation should make for some interesting experiences resulting in some interesting posts. I hope to get the majority of the stuff out of the room over the next few days; wish me luck! In the meantime, stay tuned for updates on this little adventure.


Sara said...

Good luck! Can't wait to hear all about it :)

Jackie said...

I would like you to take pictures please! You know me I'm a visual person so I want to see the chaos that becomes your house:)

Alison said...

Argh. I feel your pain. We have a sick kitten who has used just about all we had set aside for a project, plus a huge mower repair this summer. All of this has left us just about tapped out. Like you, though, we are blessed with good jobs and will recover, but it was not what we had planned. Nothing ever is though, right? Good luck to you! :D