posted on Jun, 27 2012 @ 03:34 AM
It can be hard to know where to start sometimes. Maybe November 28, 2011 would be good. Seems the nights of company Christmas parties always stir the
pot. That particular night, about 1/3 of the shingles on our roof came off in a big wind storm, leaving big holes in our roof, and in the siding of
the house next door. We called insurance the next day, and called a couple of companies to come by and give a repair quote. On day 2, we had some
folks come by and give a temporary fix (firmly attached blue tarps) so we could keep out the snow and sleet that were forecast for the next day.
(winter storm warning!)
We got a call back from insurance the next week, saying they wouldn't book any inspections while there was ice and snow and such, due to the dangers
of being on a roof, etc. Seems reasonable. Then she said because of that, it could be spring. But if you could check the attic for leaks every two
weeks, and let us know if anything changes, that would be great. Meanwhile, some contractors came by, took pictures, gave estimates, and so on.
A month further into an unseasonably dry and warm winter, with no further snow and very few cold days, we called back and suggested that maybe they
could send a guy to look. The next day, we received a fairly curt message that "as explained before, you'll hear from us in spring". Since it was a
big storm in November that started it all, they were busy, and prioritizing based on need. Different excuse, but still reasonable, if there were
people were more severely damaged houses.
Months went by with occasional calls to make sure we were still on a list somewhere, and occasional calls from one contracting company which had given
a quote. They were fairly baffled that the insurance folks would take so long, considering that pictures were already taken, and most of their work
was done for them. But no leaks, so... Carry on.
April. I calls the insurance lady and I says "Look. We haven't had any leaks yet in this half year, but we do live in a tornado zone, and very heavy
rain zone, and are heading into the active season... So you might want to send someone soon, before the damage gets much worse." Two days later,
another email saying that inspections were now being scheduled, and they would get in contact by the end of April with a date.
Mid-May. Guy comes by, looks, takes pictures, calls us later the same day with the insurance quote, 2000 less than the cheapest option, and not
including the temp fix which cost $900 to begin with. "No. You'll have to review that, and call us back." Call the next day bumped up the estimate
by 3000. We waited for a cheque to arrive (fully expecting they'd drag their feet on that too) then booked a full-on re-roof with the contractors
The next day (about three weeks ago now) the rain started. I immediately noticed a seam in the drywall behind the tv which became wet in the heavy
rain. So I called the insurance folks to let them know the cost would be changing due to water getting in the walls. They were spectacularly
uninterested in talking about it. "We've already paid you for this claim, so I don't know what you expect us to do." So I called the contractors
again and got them to send an emergency repair guy. He marvelled at the stupidity of the insurance company for leaving a temporary fix in place for 7
months. I agreed. Patch, patch, patch...$300. That should hold until the re-roof.
Two days ago, the re-roofening starts. The rain kicks it up a notch, slowing down roofing with lightning.
Tonight, my daughter is to bed, I sit down to watch a show on Netflix, and hear a nice drip drip drip starting. Water coming through the wall from
above the front window. Capital F. Calls to insurance (surprisingly helpful) and their emergency contact (surprisingly sympathetic) and basically at
around 12:30, I end up in our attic, looking for entry points.
All of our electronics are unplugged in the living room, furniture pushed away, rug rolled up, etc. Water is coming from one electrical outlet so I
shut down power to that part of the house. In the garage, two spots where water is coming through the ceiling, and a growing wet patch -- where else?
-- around the electrical outlet. Power shut off to garage.
Now... 2:30 AM. Up since 4:30. What's to do? What fun will tomorrow bring?