Crazy weekend

iVillage Member
Registered: 11-28-1999
Crazy weekend
7
Mon, 03-31-2014 - 3:49pm

Sat. night I went out with my BFF from high school.  She lives near my mom an hour away so I decided to stay over my mom's house since the weather was bad.  We went out to eat and then we were going to a swing dance.  We are finished eating and get the check and I look in my purse and have no money!  when I go out, instead of taking the large purse and wallet, I always throw my stuff in a smaller purse and have this credit card/money case--apparently I put that case right back into my big purse.  I didn't know it at the time, so I was worried for a while that I lost money, plus my license and debit card--and you know what a pain that is.  Luckily I was with a good friend who didn't mind loaning me money.

so I got home around noon yesterday.  It was raining heavily all night.  I went upstairs to put my clothes away and found that the roof was leaking right into my closet and all my clothes were wet, including suits and dresses that have to be dry cleaned.  I spend yesterday doing a lot of laundry because of course the water was dirty.  I am still not done.  It was really coming in last night.  I had to get big buckets to catch the water so I could hardly sleep.  It's still raining today.  I am going to see if insurance will cover it because I think the big wind that we had last week blew some shingles off the roof.  Otherwise, I called my ex (he still owns the house with me) and told him what happened and that I don't have any money to pay for it--unbelievably, he didn't give me an argument.

It's still raining today so I don't know what will happen when I get home.  Luckily the rest of the week is supposed to be dry.

Community Leader
Registered: 07-16-2001
Mon, 03-31-2014 - 10:19pm
I had a closet flood once. I was on the bottom floor of my building, and the AC upstairs was leaking. I thought it was raining in the closet when it finally broke the ceiling. Fortunately, I was renting and it didn't do much damage to my (cheap) clothes. I also found out last Friday night that a tree fell on the shed on my rental property back home. It happened two months ago and my tenant just told me. It was the neighbor's tree, and she just had it removed. I'm hoping it won't cost much to fix the gaping hole in the roof. It's just a pain to deal with. My weekend was uneventful. Most of my friends don't seem to want to get out much lately. I guess that's good because I'm trying my hardest to lose my stupid last 15 pounds and it's not budging. I'm getting very discouraged about it. I definitely have fat to lose. I just doesn't want to get lost! I've been at it for a long, long time. I'm almost convinced I need blood work done. It's that frustrating.
iVillage Member
Registered: 11-28-1999
Tue, 04-01-2014 - 1:00pm

Shouldn't the insurance pay for the hole since the tree fell?  I did call my insurance and they won't pay for the damage to the roof--we have a big deductable since we are near the water--I didn't know it was windier near the water!  But they will pay for any interior damage.

Avatar for floridagirl52
iVillage Member
Registered: 10-16-2006
Tue, 04-01-2014 - 4:32pm

What a bummer. I would FREAK OUT if my clothes got wet and stained like that! I don't have a lot of clothes to begin with, so it would be a terrible loss!

Community Leader
Registered: 07-16-2001
In reply to: shywon
Tue, 04-01-2014 - 5:59pm
My deductible is $1,000, and I'm sure it's not that much damage. They'd pay if it were over that. It doesn't make sense that your insurance company won't pay to fix the roof. It's seems like that's what they're supposed to be there for.
iVillage Member
Registered: 11-28-1999
Tue, 04-01-2014 - 9:31pm

My problem is the opposite--I have a LOT of clothes, because I just keep saving them forever.  Now that I basically have to wash everything and I'm thinking about the fact that I have to sell the house soon, I'm thinking maybe this is a good time to get rid of some things.  The real aggravation is the dresses that are supposed to be dry cleaned.

iVillage Member
Registered: 11-28-1999
Tue, 04-01-2014 - 9:34pm

The problem is that the deductable for wind damage is $3000 or so.  In other situations the deductable is only $250.  What doesn't make sense to me is that they say it's because I am near the water, so I'm thinking that does make sense for hurricanes, I think, but it's not like that is the only place you can get wind--how about tornadoes in the midwest where there is no ocean?  And I'm actually not near the ocan--my house is uphill from a river that goes out into Boston harbor.

iVillage Member
Registered: 07-11-2001
Wed, 04-02-2014 - 5:04pm

Did you make a report when the tree fell, or is that just not part of an insurance claim?

If the clothing is not near the deductible then I would not make a claim since it would just mean a rise in your premiums.

I find home insurance to be worthless most of the time. It seems to cover very little. It is more to cover you if your property does harm to another's property rather than your own. Mine covers water pipes that are not in my condo (mine are copper) but cover the plastic piping that was prevalent in the 80's.

Beach