What a stroke of
LUCK!
I hope.Whenever I am in the neighborhood (and sometimes even when I'm not) I feel tugged (by the heartstrings?) to check out the happenings at our former, Katrina-devastated business. Today I happened to be in the neighborhood . . .
As usual, I peered in the window seeing the same old stuff. Walls gutted - ceiling tiles pulled. Not a whole lot left of her former self.
Naked.
What made me tug on the back door today, I don't know.
It was unlocked. I let myself in ;~)
There was water, about an inch deep all over the place. I could hear it running. The salon has been gutted too, and sure enough - the water was coming from a valve that I turned off.
Some advice: If you are ever in a position where you need an insurance adjuster over to inspect damages? VIDEO CAMERA. Our Allstate adjuster? Pardon my French -
fucked us.
"Policy limits from what I see! This is just so awful, this damage! Surely you will see all of your general policy AND all of your flood!"
Good thing since our losses total over $113,000, and being underinsured (more advice to my readers - before settling on a policy, take an honest inventory . . . you'd be shocked at what you really are worth) at $31,500 for flood, and $50,000 under our general policy - we would have been OK with policy limits that would have together at least paid off our creditors . . .
Well - see FEMA picks up the flood bill . . . so
Allstate (you're in GOOD hands?) shirked their responsibility in the general policy, leaving us to have to prove our own "wind" damage. Our responsibility to show that water came in from above . . . instead of or in addition to from below . . .
So I enter the store today.
There it is. PROOF! Not only are the walls gutted 4 feet from the floor . . . they are also gutted 4 feet and more from the ceiling upward to the ROOF line . . . what remains of the insulation is water logged, covered in black mold . . . and I could SEE where the water came in from above . . .
Had to sport off to purchase a disposi-camera . . . got some damn good pictures. Evidence to our claim . . . good deal. I'm rather optimistic now!!
Still . . .
As I turned to leave . . . the store, merely a skeleton now . . . I hollared a "goodbye" . . . and a "thank you" . . .
In my frequent dreams, it's still there. The accordian player we hired for our Grand Opening plays . . . there are many customers, buying many things, the lights are aglow, my kids watch Toy Story in my office . . .
I thought today as I left - did
this really happen after all?
Just can't wrap this head around it some days . . .