vibes please....

Discussion in 'The Fire Hydrant' started by xpaeanx, Oct 30, 2012.

  1. xpaeanx

    xpaeanx Active Member

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    Hi guys,

    I know I'm not on here much anymore but I could really use some of those famous chaz vibes. I pretty much lost everything to Sandy. The claims guy should be here this week, and I could really use some positive energy that everything is covered and repairs can begin right away. My car and house were completely flooded. No one was hurt, all the animals are fine, and we have shelf stable food, a generator for coffee, a few flash lights, and a hot shower across town. It's mostly the flood damage, and I know insurance likes to put you through the ringer before they pay out.... And the damage is so extensive, no repairs can start without it.
     
  2. darkchild16

    darkchild16 We are Home.

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    (((((((((((((((((((HUGS)))))))))))))))))))))) Always!!!! We miss you here!!!!
     
  3. Renee750il

    Renee750il Felurian

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    ((((((((HUGS))))))))) and vibes.

    I've had several clients who were having to deal with insurance after a disaster -- it's . . . ugh. The insurance people learned to hate me, lol!
     
  4. Dakotah

    Dakotah Kotah BEAR

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    (((HUGS))) and ***VIBES***

    We definitely miss you here! Keep us updated <3
    I hope repairs can start ASAP and that things continue to be well for you.
     
  5. xpaeanx

    xpaeanx Active Member

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    Thanks guys. :) I've been popping into threads here and there when I have time, and I keep meaning to stop in more... Just seems my life goes from crazy to crazier. LOL. And Sandy is going to be one epic chapter.
     
  6. -bogart-

    -bogart- Member of WHODAT Nation.

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    Good luck and huge vibes. I am sorry about the lose.
     
  7. CaliTerp07

    CaliTerp07 New Member

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    :( :( :( :(

    I hope that since they're going to be inundated with claims, things are streamlined and people aren't difficult for the sake of being difficult. (Wishful thinking, I know). I hope things move quickly.
     
  8. darkchild16

    darkchild16 We are Home.

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    what will help with the insurance is that if I remember what Jeremy said right they are declaring a state of emergency which will get you insurance stuff easier (basically its harder for them to fight it and drag their feet)
     
  9. xpaeanx

    xpaeanx Active Member

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    And Renee, it really is the insurance that scares me. Loosing material things doesn't bother me so much bc they are replace-able. It's dealing with insurance to replace them... And it's not just a tv or a couch... It's everything. My upstairs is ok, but everything else is completely ruined.
     
  10. xpaeanx

    xpaeanx Active Member

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    That is what I am hoping. We had national guard and everything out here....
     
  11. darkchild16

    darkchild16 We are Home.

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    then it should move smoothly :) once they declare a state of emergency it runs smoothly in our experiences.
     
  12. Renee750il

    Renee750il Felurian

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    Hopefully the emergency declaration will speed things up and cut out some of the nitpicking.

    Start making lists and looking up retail replacement values. The more of that you have done the easier it's going to be for you and since they're going to be slammed with claims, the people who have the stuff itemized and priced are most likely to get taken care of. If the adjusters have to start doing the pricing you're going to get flea market prices and then you'll have an uphill battle getting them to budge, but if the work's already done they're more inclined to avoid more work and take your estimate ;)
     
  13. darkchild16

    darkchild16 We are Home.

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    this too. We always have a itemized list of the larger items
     
  14. Renee750il

    Renee750il Felurian

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    Furniture stores are good about giving estimates on replacement -- they hope you'll remember they helped and come to them when you get the check ;)
     
  15. xpaeanx

    xpaeanx Active Member

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    Alright, I can start looking up replacement costs for the larger stuff like electronics, appliances, and furniture. The structural costs I have no idea, I guess they will have to do that. My floor is gone, the walls and electric will need to be replaced, I lost my furnace, oil tank, and hot water heater. I don't know if there is any damage to the foundation and half my deck is missing.

    And what about the little knick knacks? I have several hundred dollars worth of scrap booking supplies that were destroyed as well as my of school supplies which is loose leaf, notebooks, binders, markers, etc... I have throw blankets, but once I get a new washing machine I can probably just clean them. Then there are the dog toys... And shoes, and other little odds and ends as well.
     
  16. darkchild16

    darkchild16 We are Home.

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    as for the appliances I would get a replacement cost as well. If you send me some info I can help since Im up wasting time until Jeremy gets off work and home.

    For the odds and ends I would come up with one lump sum figure.
     
  17. CharlieDog

    CharlieDog Rude and Not Ginger

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    Write down absolutely everything you can think of/remember, as well as approximate retail value. Even the little stuff like fleece, scrapbooking paper, ect.
     
  18. Toller_08

    Toller_08 Active Member

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    I have nothing to add that's helpful. But I wanted to say that I am very sorry you were affected like that. I am so glad you are ok, though. Good thoughts headed your way!
     
  19. Barb04

    Barb04 Love my pets Staff Member

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    If you have pictures that you've taken, you can show some of the things in the house to your insurance company. Remember, they could just be pics you took during celebrations, holidays, etc. in your home but will show what's in your home besides the people or dogs you took the pics of.
     
  20. Baxter'smybaby

    Baxter'smybaby swimming upstream

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    ugh--flood damage is so devastating! I wondered how you made out--so sorry to hear that you got hit so hard. I admire your attitude-I think I'd be in tears.

    Sendin you tons of vibes --speedy, fair, recovery cost vibes.....
     

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