I need a cigarette because I was just "done" by my Insurance Company!!!
This is going to be long but please read it and if you can help me out I would very much appreciate it. I hope and pray y'all don't think I am trash after you read this. This is not something I am proud of or I make a habit of doing but I have been pushed as far as I will allow myself to be pushed.
After the fire destroyed our house and most of our belongings, we were told to 'itemize' everything that was in the house. That was the most horrible task I have ever had to do. Not only did I have to try to remember everything that was in our home but also when I bought it and what I paid for it. To make it a bit easier for myself I did it in Excel on a spreadsheet. I had a specific worksheet for each area of the house (closets, kids rooms, upstairs bathroom, garage, etc.). For 2 straight weeks I called it the "list from hell" and was constantly running to the computer when I remembered something. I spent hours on ebay and other online sites looking up prices of things. I had to call people who gave me gifts and ask how much they cost. Sometimes I just estimated. It was just awful to have to remember everything we lost. I cried when I asked my boys how many sports and academic trophies they had. At the same time they got this shocked look on their faces and said "OH, they're gone!" It broke my heart because I literally go through that same feeling every single day as I remember stuff we lost.
So, I finished the list and sent it to the adjuster. We had $36,000 of insurance on the contents of our home. (That does not include the price of the dwelling itself--that is a whole separate mess we are still dealing with.) We listed $42,000 worth of items thinking even if they depreciated the things we would still get the $36,000. I called and asked if I had to send it to them in any particular format. I told them I did it as a spreadsheet and could print it out like that. They said no need. Just email the spreadsheet as an attachment and we would be good to go. So I did. They wrote back and told me it was fine. They called a week later and told me we would receive a check for $1,200 in a few days. Mark and I both nearly had a stroke. The flippin' idiot whose Dad owns the company told us we only listed like $1,300 worth of stuff. We informed him they obviously only looked at the FIRST PAGE and ignored the other FOURTEEN pages of the document. So, he acted all put out because they had already cut the check. (Did he honestly expect us to say "Gee, you've gone to all that trouble so we'll just forget the other several thousand dollars since you already have the check made out"......HECK NO!) So, he said they would re-check it.
Needless to say, we could use the blasted insurance money. Didn't receive the money for the house or the contents and it has been well over a month since the fire. A little money would be nice anytime now! Not that the jerk gives a rats fat patootie.
So, today they inform us that they have our check. I asked how much. They told us we get a check for $19,000. I just about screamed. He told us that we can get more money--up to the $36,000 we had the contents insured for--but we have to actually replace the items on the list and show a receipt for each item replaced. So, I am screwed. Here is how it works.
For example, I have my Bridal Bouquet (silk) listed as $30.00. I had it stored in a box in my hope chest. I have to go out and BUY another bouquet (like I would do that...honestly....what would that mean to me ever?) and present them with a receipt for one silk bouquet for $30.00. They have de-valued my original bouquet to $15.00. If my receipt is $30.00 or $50.00 or whatever it would cost to replace it (anything above $30), they will give us the other $15.00. Basically, we have to purchase soemthing, show it on the original list we had to make up, show a receipt for the item and then they will give us the difference between what they de-valued the item for and what we ORIGINALLY paid for it. Bottom line is this....they are trying to keep our money.
I called my Mom crying and told her what they were doing to us. Between the two of us we were able to come up with a few things.....I bought a bedroom suite off of a lady and paid $400.00 for it. That will replace a chest of drawers in my house that burned, one of the beds and a dresser. I bought groceries at Wal-mart....I had listed $300.00 worth of groceries in the kitchen that burned up. I show that receipt for $150.00 and they will give me $150.00. They de-valued my groceries to half price. DUH!
Get this, I had a brand new Pillar candle mold. I paid $12.00 for it. Had it for 6 months, never used it and he de-valued it to $6.00. So if I show him a receipt for a mold that says $12.00 (any kind of candle mold) he will give me the other $6.00.
I am usually a totally honest person but I am so enraged at this blatant attempt to keep my money that I am taking receipts (or copies of receipts) from anywhere I can get them.
Now, the big favor....If any of you who sent me supplies would have the receipts (or ANY receipts! LOL) that you would be willing to send to me, I would really appreciate it. These can be 'garage' sale items that you personally sold to me. I am going to lose a lot of money because I listed a lot of soaping and craft supplies that I can't afford to replace right now. Plus, much of the stuff HAS been replaced but they don't care that I have friends who sent me gifts. They just say tough crap...you lose and we get to keep your money. I am not going to replace my cross-stitch, crochet, scrapbooking and assorted other craft stuff because I can't afford to right now. But if anybody has receipts for any of those types of items and would be willing to make a copy of them, it would help me out so much. I know this is probably wrong but it is just so unfair that they are keeping my money. It is designed to keep you from getting all the money you paid in for the insurance because I have until June 25 to get this done. How am I supposed to replace all of my Christmas stuff between NOW and June 25?
Oh, I love this...My wedding dress....which I valued at $300.00 was de-valued to $150.00. If I want the other half of the money, I have to go out and purchase another wedding dress for $300.00 and then they will give me $150.00. What idiot would go out and buy a wedding dress 18 years after they got married? It would mean NOTHING to me.
Instead, I plan to go out and buy my daughter an expensive 'formal' for her prom NEXT year and say that is my new "wedding" dress. I hate to do that, but I am not going to let them just TAKE my money. My kids need their stuff replaced and there are tons of things we need. This is so totally unfair I am not going to take it.
If anybody thinks they can help, I can send you a copy of my itemized list. If you have any receipts for any of the items dated December 27 or later, I can use them. I don't need the original--a copy will be fine. And receipts for ANY bath and body or candle products will work. They just can't have a name on them. Unless you want to make out receipts for the things you sent to me as gifts. I hate being so dishonest but they are forcing me. I don't like asking people to do this but otherwise these creeps are going to KEEP my money.
They de-valued literally everything by at least half. I have already thought of dozens of things I forgot to list but that is just my tough luck....isn't everything lately??? LOL.
Thanks so much for being there for me. Right now this has me so upset my husband and I are barely speaking to each other, I am a nervous wreck and I am fairly sure my head is about to give birth to....something. On top of all that my MIL goes to the doctor on Wednesday and I have found out a little more about her type of cancer. Only 17% of the people with this type of cancer ever make it to the 5 year mark even with radical surgery and treatment. Things are NOT looking good in that situation. I swear, I just don't think I can take much more. Why does God think I am such a strong person...somebody lied to Him! I'm a Wimp! I'm a Wimp!
Love y'all!
After the fire destroyed our house and most of our belongings, we were told to 'itemize' everything that was in the house. That was the most horrible task I have ever had to do. Not only did I have to try to remember everything that was in our home but also when I bought it and what I paid for it. To make it a bit easier for myself I did it in Excel on a spreadsheet. I had a specific worksheet for each area of the house (closets, kids rooms, upstairs bathroom, garage, etc.). For 2 straight weeks I called it the "list from hell" and was constantly running to the computer when I remembered something. I spent hours on ebay and other online sites looking up prices of things. I had to call people who gave me gifts and ask how much they cost. Sometimes I just estimated. It was just awful to have to remember everything we lost. I cried when I asked my boys how many sports and academic trophies they had. At the same time they got this shocked look on their faces and said "OH, they're gone!" It broke my heart because I literally go through that same feeling every single day as I remember stuff we lost.
So, I finished the list and sent it to the adjuster. We had $36,000 of insurance on the contents of our home. (That does not include the price of the dwelling itself--that is a whole separate mess we are still dealing with.) We listed $42,000 worth of items thinking even if they depreciated the things we would still get the $36,000. I called and asked if I had to send it to them in any particular format. I told them I did it as a spreadsheet and could print it out like that. They said no need. Just email the spreadsheet as an attachment and we would be good to go. So I did. They wrote back and told me it was fine. They called a week later and told me we would receive a check for $1,200 in a few days. Mark and I both nearly had a stroke. The flippin' idiot whose Dad owns the company told us we only listed like $1,300 worth of stuff. We informed him they obviously only looked at the FIRST PAGE and ignored the other FOURTEEN pages of the document. So, he acted all put out because they had already cut the check. (Did he honestly expect us to say "Gee, you've gone to all that trouble so we'll just forget the other several thousand dollars since you already have the check made out"......HECK NO!) So, he said they would re-check it.
Needless to say, we could use the blasted insurance money. Didn't receive the money for the house or the contents and it has been well over a month since the fire. A little money would be nice anytime now! Not that the jerk gives a rats fat patootie.
So, today they inform us that they have our check. I asked how much. They told us we get a check for $19,000. I just about screamed. He told us that we can get more money--up to the $36,000 we had the contents insured for--but we have to actually replace the items on the list and show a receipt for each item replaced. So, I am screwed. Here is how it works.
For example, I have my Bridal Bouquet (silk) listed as $30.00. I had it stored in a box in my hope chest. I have to go out and BUY another bouquet (like I would do that...honestly....what would that mean to me ever?) and present them with a receipt for one silk bouquet for $30.00. They have de-valued my original bouquet to $15.00. If my receipt is $30.00 or $50.00 or whatever it would cost to replace it (anything above $30), they will give us the other $15.00. Basically, we have to purchase soemthing, show it on the original list we had to make up, show a receipt for the item and then they will give us the difference between what they de-valued the item for and what we ORIGINALLY paid for it. Bottom line is this....they are trying to keep our money.
I called my Mom crying and told her what they were doing to us. Between the two of us we were able to come up with a few things.....I bought a bedroom suite off of a lady and paid $400.00 for it. That will replace a chest of drawers in my house that burned, one of the beds and a dresser. I bought groceries at Wal-mart....I had listed $300.00 worth of groceries in the kitchen that burned up. I show that receipt for $150.00 and they will give me $150.00. They de-valued my groceries to half price. DUH!
Get this, I had a brand new Pillar candle mold. I paid $12.00 for it. Had it for 6 months, never used it and he de-valued it to $6.00. So if I show him a receipt for a mold that says $12.00 (any kind of candle mold) he will give me the other $6.00.
I am usually a totally honest person but I am so enraged at this blatant attempt to keep my money that I am taking receipts (or copies of receipts) from anywhere I can get them.
Now, the big favor....If any of you who sent me supplies would have the receipts (or ANY receipts! LOL) that you would be willing to send to me, I would really appreciate it. These can be 'garage' sale items that you personally sold to me. I am going to lose a lot of money because I listed a lot of soaping and craft supplies that I can't afford to replace right now. Plus, much of the stuff HAS been replaced but they don't care that I have friends who sent me gifts. They just say tough crap...you lose and we get to keep your money. I am not going to replace my cross-stitch, crochet, scrapbooking and assorted other craft stuff because I can't afford to right now. But if anybody has receipts for any of those types of items and would be willing to make a copy of them, it would help me out so much. I know this is probably wrong but it is just so unfair that they are keeping my money. It is designed to keep you from getting all the money you paid in for the insurance because I have until June 25 to get this done. How am I supposed to replace all of my Christmas stuff between NOW and June 25?
Oh, I love this...My wedding dress....which I valued at $300.00 was de-valued to $150.00. If I want the other half of the money, I have to go out and purchase another wedding dress for $300.00 and then they will give me $150.00. What idiot would go out and buy a wedding dress 18 years after they got married? It would mean NOTHING to me.
Instead, I plan to go out and buy my daughter an expensive 'formal' for her prom NEXT year and say that is my new "wedding" dress. I hate to do that, but I am not going to let them just TAKE my money. My kids need their stuff replaced and there are tons of things we need. This is so totally unfair I am not going to take it.
If anybody thinks they can help, I can send you a copy of my itemized list. If you have any receipts for any of the items dated December 27 or later, I can use them. I don't need the original--a copy will be fine. And receipts for ANY bath and body or candle products will work. They just can't have a name on them. Unless you want to make out receipts for the things you sent to me as gifts. I hate being so dishonest but they are forcing me. I don't like asking people to do this but otherwise these creeps are going to KEEP my money.
They de-valued literally everything by at least half. I have already thought of dozens of things I forgot to list but that is just my tough luck....isn't everything lately??? LOL.
Thanks so much for being there for me. Right now this has me so upset my husband and I are barely speaking to each other, I am a nervous wreck and I am fairly sure my head is about to give birth to....something. On top of all that my MIL goes to the doctor on Wednesday and I have found out a little more about her type of cancer. Only 17% of the people with this type of cancer ever make it to the 5 year mark even with radical surgery and treatment. Things are NOT looking good in that situation. I swear, I just don't think I can take much more. Why does God think I am such a strong person...somebody lied to Him! I'm a Wimp! I'm a Wimp!
Love y'all!
posted by Angela @ 6:21 PM
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