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	<title>Casa de Lovely &#187; Garage</title>
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	<link>http://casadelovely.com</link>
	<description>Renovating Our First House</description>
	<lastBuildDate>Thu, 17 May 2012 17:41:30 +0000</lastBuildDate>
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		<title>What The (Insurance) Underwriters Want, The (Insurance) Underwriters Get</title>
		<link>http://casadelovely.com/2009/10/what-the-insurance-underwriters-want-the-insurance-underwriters-get/</link>
		<comments>http://casadelovely.com/2009/10/what-the-insurance-underwriters-want-the-insurance-underwriters-get/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 21:38:01 +0000</pubDate>
		<dc:creator>Bryan</dc:creator>
				<category><![CDATA[Garage]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Yard]]></category>
		<category><![CDATA[demo]]></category>
		<category><![CDATA[inspection]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[ranting]]></category>
		<category><![CDATA[stairs]]></category>
		<category><![CDATA[underwriter]]></category>

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		<description><![CDATA[At the same time as the work in the bathroom, I've also had another project foisted on me by our home insurance policy carrier. Apparently the insurance inspector took a little tour around the grounds and had some issues he wanted fixed or they would CANCEL OUR POLICY!!]]></description>
			<content:encoded><![CDATA[<p>At the same time as the work in the bathroom, I&#8217;ve also had another project foisted on me by our home insurance policy carrier. Apparently the insurance inspector took a little tour around the grounds and had some issues he wanted fixed or they would <strong><em>CANCEL OUR POLICY!!</em></strong></p>
<ol>
<li>Remove the rubbish pile.</li>
<li>Cover the basement stairs or put in a handrail.</li>
<li>Put a door on the garage.</li>
<li>Scrape the moss off the garage roof.</li>
</ol>
<p>To which my responses were:</p>
<ol>
<li>Um, we&#8217;re <em>remodeling.</em> Do you really think (a) there would be no rubbish pile, or (b) that we weren&#8217;t already planning on getting rid of it?</li>
<li>You&#8217;ve got to be kidding, right? Fine, I&#8217;ll put the damn cover back on.</li>
<li>You just want to block access? Will an OSB slab do?</li>
<li>The garage is about two years from falling over by itself. And you&#8217;re worried about &#8230; moss. O-<em>kayyy.</em></li>
</ol>
<p>I think most of the concerns were of the &#8220;attractive nuisance&#8221; variety. Like kids are going to wander into our fully-fenced property and play around in the backyard. What. Ever.</p>
<p>A couple weeks ago we had a company come and get the rubbish ($cha-ching). Last weekend I powered through the rest (half the time in the pouring rain). Here&#8217;s the evidence:</p>
<div id="attachment_466" class="wp-caption alignleft" style="width: 160px"><a href="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0275.JPG"><img class="size-thumbnail wp-image-466 " title="IMG_0275" src="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0275-150x150.jpg" alt="No moss on the left" width="150" height="150" /></a><p class="wp-caption-text">No moss on the left</p></div>
<div id="attachment_465" class="wp-caption alignleft" style="width: 160px"><a href="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0274.JPG"><img class="size-thumbnail wp-image-465 " title="IMG_0274" src="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0274-150x150.jpg" alt="IMG_0274" width="150" height="150" /></a><p class="wp-caption-text">No moss on the right</p></div>
<div id="attachment_468" class="wp-caption alignleft" style="width: 160px"><a href="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0277.JPG"><img class="size-thumbnail wp-image-468 " title="IMG_0277" src="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0277-150x150.jpg" alt="Look, Ma, no more rubbish!" width="150" height="150" /></a><p class="wp-caption-text">Look, Ma, no more rubbish!</p></div>
<div id="attachment_469" class="wp-caption alignleft" style="width: 160px"><a href="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0278.JPG"><img class="size-thumbnail wp-image-469 " title="IMG_0278" src="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0278-150x150.jpg" alt="It's a big piece of wood with hinges -- that must mean it's a door" width="150" height="150" /></a><p class="wp-caption-text">It&#39;s a big piece of wood with hinges -- that must mean it&#39;s a door!</p></div>
<div id="attachment_467" class="wp-caption alignleft" style="width: 160px"><a href="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0276.JPG"><img class="size-thumbnail wp-image-467 " title="IMG_0276" src="http://casadelovely.com/wp-content/uploads/2009/10/IMG_0276-150x150.jpg" alt="The stairs covered back up -- attached with screws this time" width="150" height="150" /></a><p class="wp-caption-text">The stairs covered back up -- attached with screws this time</p></div>
<p style="clear:both;">(Getting that door on single-handed was a bitch and a half, I tell you.)</p>
<p>I&#8217;ve sent these photos on to our agent, who says the inspector never comes back to check in person. She&#8217;s forwarded them on, so we&#8217;ll see if they&#8217;re satisfied or if there&#8217;ll be more work to do, um, tomorrow night.</p>
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