Saturday, January 19, 2013

More About Insurance

DeBary, FL.

54 deg. cloudy, N. wind @ 9 mph.

Forecast = Mostly cloudy with isolated showers. Highs around 75°F. Northeast wind 9 to 14 MPH. Chance of precipitation near 20%. Precipitation amounts of 0.02 in. possible.

The insurance company that Jim and Linda found to insure the double wide have not been making it easy. First they wanted a roof inspection, so Jim and Linda had to hire an inspector to come out and check it out and to take photos of the roof and all 4 sides of the house.

Of course this all takes time. You have to make an appointment with the inspector to come out to the house to inspect it, then, you have to wait for the results to be sent to the agent.

Yesterday, Jim and Linda went to the agent's office and though that everything was set.  But,  ,  ,  ,  ,  ,   now the insurance company has decided that they want what they are calling a "4 point inspection"!!! Now, I don't know what all of this involves, (I think electric and plumbing are 2 of the 4 items), but I do know that Jim and Linda had to call the inspector again and make another appointment for him to come out again!! : (

So, today, the inspector is supposed to call Jim and Linda. He says that he should have time to preform the inspection sometime between 10 AM and 2 PM and will tell them what time he'll be able to make it over there when he calls.

Of course all of this costs money. Not a whole lot, but still!! : (

IF the inspector finds that everything is OK, and IF he gets the results to the insurance agent in a timely manner, everything should be taken care of by the first part of next week.

The insurance companies down here in Florida are making it more and more difficult to get insurance on homes, especially the older ones. (They do not want to insure them, but are being forced to by the state), In fact one of the terms that Jim and Linda have heard a lot lately is "Self Insured"!!!! Basically what that means is that you buy liability insurance and don't have any insurance on the home at all. Then if something happens to the home, you just absorb the cost and buy something else to replace it. 

Not a very attractive thought!! : (

So,  ,  ,  ,  the wait continues. Hopefully this inspection will satisfy the insurance company and everything will move along. All of this is becoming very stressful!!!!!

Did you know that Dolly Parton was born on this date in 1946?


  1. The problem with self insurance is that the lenders require an insurance policy to even get a mortgage on the place... They can't loose their money you know....!

  2. I'm never happy when bogged down with insurance issues. I hope the process goes smoothly for you.


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