Posts Tagged insurance

What the @#$%ing Underwriters Want, the @#$%ing Underwriters Get

Don’t get me started.

Our agent called last Wednesday to tell us that she had forwarded the last set of photos to the underwriters, and they wanted two things: a photo of the area where the rubbish pile was from the same vantage point so they could see it was the same area; and a coat of protective sealant on the garage door. When I asked what the hell “a coat of protective sealant” meant, she said “a coat of paint.”

That is to say, just to repeat myself: the garage is rotting and will be racing us to see whether it can fall over before we can get around to demolishing it, and they’re worried about a freaking coat of paint on the cheap-ass door.

So fine, I used up the remnants of three bottles of Rustoleum white spray paint and put a @#$%ing coat of paint on the garage door, and took another photo of where the rubbish pile was, which I forwarded on.

The kicker is that on Saturday we got a letter postmarked last Wednesday (the same time our agent was forwarding their new requirements) saying that for failure to fix their conditions they were canceling our policy as of December, and a refund check for the rest of the premium.

Yesterday I called our agent, saying, basically, “WTF? I mean, WTFingF?” She was very apologetic, she had no idea the cancellation letter had gone out, and she would immediately get on the phone with them and make sure our policy was going to continue, and that we could shred the check.

Hopefully, that’s the last we have to worry about this, but I’m not holding my breath.

I guess the moral of the story is don’t buy a fixer-upper. Sheesh.

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What The (Insurance) Underwriters Want, The (Insurance) Underwriters Get

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!!

  1. Remove the rubbish pile.
  2. Cover the basement stairs or put in a handrail.
  3. Put a door on the garage.
  4. Scrape the moss off the garage roof.

To which my responses were:

  1. Um, we’re remodeling. Do you really think (a) there would be no rubbish pile, or (b) that we weren’t already planning on getting rid of it?
  2. You’ve got to be kidding, right? Fine, I’ll put the damn cover back on.
  3. You just want to block access? Will an OSB slab do?
  4. The garage is about two years from falling over by itself. And you’re worried about … moss. O-kayyy.

I think most of the concerns were of the “attractive nuisance” variety. Like kids are going to wander into our fully-fenced property and play around in the backyard. What. Ever.

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’s the evidence:

No moss on the left

No moss on the left


No moss on the right

Look, Ma, no more rubbish!

Look, Ma, no more rubbish!

It's a big piece of wood with hinges -- that must mean it's a door

It's a big piece of wood with hinges -- that must mean it's a door!

The stairs covered back up -- attached with screws this time

The stairs covered back up -- attached with screws this time

(Getting that door on single-handed was a bitch and a half, I tell you.)

I’ve sent these photos on to our agent, who says the inspector never comes back to check in person. She’s forwarded them on, so we’ll see if they’re satisfied or if there’ll be more work to do, um, tomorrow night.

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