Well, the day arrived. I placed a claim with my home-owner’s insurance. The company I deal with is..well, it rhymes with StationWide. The name should be “Bend Over. This is Gonna Hurt!” They sent an adjuster out this morning. His name was Richard but he looked like a Dick before the morning was through.
I got up early, put on coffee in case he wanted some, tidied the house, especially the areas I knew he would by looking at. I showered and fluffed. I smiled. I was pleasant. I figured that being nice to the man who will cut me a check for the damages is just smart business sense.
I now know why they call them “adjusters”. He surely adjusted the numbers! My contractor placed an estimate of the repairs at $6, 140. That was to repair the damage and install cables on the roof to prevent further damage. According to the adjuster man, cables will not be covered. I showed him the stained, damp mattress and box spring which will most likely have to be replaced. That’s not covered.
After I showed him all the water damage, he took pictures and measured the rooms with his manly tape measure (men do seem to love them some tape measures. I don’t know why!) then said he was going out to his truck to do the figures.
Man-Oh-Man! They must have equipped that truck really well! He came in after a half an hour with about 6 pages of personalized printed pages explaining the company’s policies regarding payment and how they arrive at the numbers. He also had printed out a check…for $1,995.00. He couldn’t even f*cking round it up to $2000. ! I have a $1000. deductible so basically they shorted me around $5000. if you count the things that weren’t included in the contractor’s estimate, like carpet cleaning, new mattress/box spring, etc!
When he gave me the check I’m sure I looked weird as I stood there with my mouth open , staring at the piece of paper. WTF?!?!
In my life I’ve only ever made one other insurance claim on my home-owner’s policy and that was 24 years ago for the time lightning hit my home and blew out a few appliances!
I wish now I’d had the balls to look him in the eye and say “F*ck you and your company, too! Do you sleep well at night ? Does this really seem fair to you, you miserable c*cksucker?” I realize I could call and maybe have this thing drag out, trying to make a larger claim but I just don’t have the energy. They win.
I hate to always be complaining but this has been a pretty sucky period for me financially. I just heard from the logger who was so eager to cut trees down on the property. He said there isn’t enough good timber to make it worth his time. So there goes another money-making opportunity down the drain. I was so looking forward to a nice fat check from him! Evidently there hasn’t been enough growth since the place was logged out 27 years ago!
I am looking forward to eating lots more beans than meat in the near future if things continue the way they’ve been going. That’s all right. I hear a vegetarian diet is healthier anyway.