“It’s always something!”
Now that the taxes are in the mail (HALLELUJAH!!!), I thought I might get a teeny breather. However, we got an interesting piece of mail this weekend. Our insurance carrier announced that, based on their exterior inspection, they were cancelling our homeowners policy effective on May 9th – no specific items were mentioned, so my mind was reeling with the possibilities…did they think our roof needed replacement? Did they think our house was about to fall into Allen’s Creek?? What was so terrible? I got the details from our agent this morning.
It turned out that it was several cosmetic issues, mostly where siding was cracked or chipped, a broken window sill, and also several places where exterior light or electrical fixtures had been removed and there were exposed wires remaining. All things considered, very minor items — and all those years I grew up thinking “Picayune” was just a little town in Mississippi 😮
If we choose not to address these items now, we could pick up Citizen’s, the state-run insurance coverage after a 30-day wait period, which would mean about an 8 day lapse in coverage — not a risk we’re willing to take. However, we’d like to fix these items ourselves, and that will take longer than May 9th. Our agent said that if we provide a letter of intent that we will fix the items within 90 days, we can pick up Citizens coverage with no lapse, so that’s what we’ll do.
As I fussed and fumed about how ridiculous I thought it was to cancel coverage over these relatively minor things, Jim was unfazed. “Insurance companies aren’t in business to pay claims. They’re in business to collect premiums.” Ouch. But pretty much true, I think.
Yep, as Roseanne said, “…if it ain’t one thing, it’s another.” 😮