Dreams and Blessings

May. 4, 2006

trying to stay dry

We had a terrible hail storm/ tornado back in March and it tore our house up pretty bad. Knocked a window out, punched holes all in the siding and our roof is really bad. (our siding literally looks like someone shot it with a machind gun) We haven't been able to get it fixed yet because of all the hassle we are having to go thru with the mortgage company. We have to get copies of the contractors insurance and license, the contractors and we have to sign an affidavit stating that the insurance money will all be spent on repairs on the home. We have to mail all those papers and a lot more papers that just my husband and I have to sign and the insurance check to the mortgage company and they will release the money to us a little at a time as we need it to pay contractors.
I can understand why they have to be cautious because some people would buy drugs or run off with the money but it makes me mad because we want to get our house fixed and we can't because of their policy. Now since we have a very bad roof, it is leaking very bad-pouring thru the light fixtures!! I called Red Cross and got a tarp to cover the leaking area. My husband just put it on last week and it seemed to fix the problem. Well it is raining a lot here lately and today we sprang a lot of new leaks- too many to count. We are gonna need to get enough tarps to cover our whole roof!! We also have a boarded up window and I'm sure with all the rain the water will eventually start soaking thru the board.
If any of you out there have been in a similiar situation and have any tips to make this go quicker, I would appreciate it.
Blessings--Jessica

• Post A Comment! • Send to a Friend!

Comments

May. 13, 2006 - Untitled Comment

Posted by shadowbear

No experience with it...sorry to hear you are having such a hard time....I will pray that things will move along quicker and the funds will come more quickly.

Shari

• Permanent Link

May. 23, 2006 - How's the repair headaches going?

Posted by WalkInFaith

I know how you must feel. Wanting to get things back to the way they were before the storm. We had a bad hail storm a couple weeks ago and are dealing with fixing cars, trucks, roofs.... ugh. I feel very blessed that our insurance (thru the Farm Bureau) was super quick in doing estimates and sending the checks for each thing. We've got one car that has no lien holder so that check is made out just to us... so that one we can just cash outright to pay for repairs. But the truck check and the roof check each have to go to a lien holder for endorsement. I think the one for the truck the credit union told us they will endorse it to pay for the repairs after they physically see they have been done... and the one for the roof we sent off to the mortgage people today for endorsing. They're going to stamp it and just send it back to us so we can deposit it and then pay the roofer.

I don't know if this is universal but I think if the amount for repairs to a home is over $10,000 that's when they do that thing of doling out the money in little drips to pay contractors. Yeah, I understand they have to protect their investment risk and all but gee whiz... it's not like the money isn't our premium money to begin with... why would we rip ourselves off for pete's sake. We just want our property repaired.

Ugh... I get a little soapbox-ish talking about insurances. Anyway... hope all is going smooth as it can be and you're on your way back to good.

• Permanent Link

About Me

I am first and foremost a child of God, next a mother to two wonderful little people and a lifelong student of learning about healthy living