Insurance Letdown

Just spoke with our insurance agent and, after the repair job marathon by hubby, the carrier declined our insurance coverage. *HEAVY SIGH*  They didn’t give any specific reasons, just the “thank you very much – we don’t want to cover you” kind of thing.  So now we have coverage by Citizens, the state-run insurance agency.  Fortunately for us, the roof certification showed that we had 3-4 years left on the life of our roof, and Citizens requires a minimum of 3, so we lucked out there and don’t have to put a new roof on right now.

So we’re good for insurance coverage for the next year…we also have an application being processed for flood insurance since we live by a creek.  Our neighbors, who have been here 8 years, say that it’s never flooded, even during hurricanes, but I really think we ought to have it.

So now what do we do?  I’m in post-tax return, post-insurance crisis let-down and am kind of going around in circles…I think I will head to the master bedroom and see what I can do to help get that room in order.  So far hubby has been flying solo in the renovation efforts, so I would love to pitch in.  Just to refresh your memory, here is the master bedroom before we started working on it:

And here is what it looks like in the middle of renovating:

To the untrained eye, this may look like we’re going backwards, but I can assure you, we’re making progress 😮


About donnahuebsch

I'm a wife, a mom to an unschooling teenager, an animal lover, an artsy craftsy kind of person, & a DIYer. We're embarking on our BIGGEST do-it-yourself project yet - renovating an entire house!
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3 Responses to Insurance Letdown

  1. eof737 says:

    Thank God for Citizen’s! They deserve an award… 🙂

  2. Freedom, by the way says:

    Having just moved from Florida where we spent 7 years, I sympathize with your insurance issues. We moved to FL before the horrible 2004 hurricane season and just getting insurance was one of the toughest tasks of our move. And because we lived in a coastal county, we were required to have flood insurance even though we were a good 4 miles from the Indian River, 8 miles from the ocean. The hurricanes just made the situation worse. We didn’t get dropped afterwards, but our premiums went up significantly. Good luck with your home renovations!

    • donnahuebsch says:

      Thanks! We’ve been in Florida for over 20 years, but this is the first issue we’ve had with insurance…I’m sure it’s because we’re in a coastal county for the first time. Sure does make life interesting 😮

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