and those who know me, know that statement always precedes a tale of madness, something almost unbelievable. I remember when Mom would start a story that way, she was going to be telling someone "how the cow ate the cabbage."
I really wanted to have a relaxing weekend, but, no, didn't happen. I opened the mail and my nightmare began. Official notice from the home insurance, cancelled, effective March 3rd...WHAT? But I just had an agent out and she thought every thing was fine. She took pictures, we made a deal. It's a farm house, guys, an old farm house, a working farm...but they sent a city boy to take pictures and his recommendation was we had too many liabilities!!!
Weekend, not in their office, city boy out sick...this is what I finally found out...his words, "white bucket, blue barrel and pipe in yard, furniture in the yard, steps going the wrong way, one porch rail broken and the steps are too long".
Well, Thank God, I thought something was wrong with the house!! You've got to be kidding me, cancellation because of a barrel in the yard?? They should have seen the place before hubby hauled the equipment to the bone yard!
Keep in mind, I am showing my liabilities, baring my soul to the entire world. See the pipe and the blue barrels? See the lawn mowers...guess they are a liability, too. This is the back side of the house!!! Were the steps going the wrong way, the ones that enter the basement? Yes, there is a porch rail broken but it's winter and I am going to fix it, sooner now, than I had planned. A tree limb broke it, we trimmed the broken limb, cleared the mess and did not call the insurance company. I was waiting 'cause it was a door we never use except in summer!!! It's to the screened porch. The blue barrels are pressure tanks from the pump, waiting to be repurposed, because on a farm everything can be used for something else. That piece of pipe is polished aluminum that is worth a pretty penny. Hubbs was using it for irrigation and brought it to the house!
They should have seen this before I asked Hubbs to clean it up. The work shop is to the right so where else do you put things? Close to the place you're going to work on them is obviously not the right place...and I did not take this picture!!!! This is insurance boy's picture.
...and here's his second picture. Good photographer! I know it's not a mansion but it's our home and a pretty good one. Maybe he was offended by the painted pelvic bone of a cow that I had hanging on the gate post, maybe my dogs barking made him mad, who knows! The only furniture in the yard is my lawn furniture that stays out year round.
Whew, calm down, Gail. I finally was able to talk to my agent and she was shocked. She said, I just took pictures, every thing looked fine to me. Then I found out she grew up on a farm. Sometimes, when you're responsible for acres, the yard suffers a little but it doesn't make it a libility!!!
Any way, we shall see, when I get the complete list of things he didn't like. My agent says, we will work and take more pictues of the same spots and TRY...TRY to convince the national office, we're not a libility. If I can't do that, I'm not sure of the direction I will take. I know I will probably advertise for the company here...and on Facebook.
You have seen pictures of my home before and I have had nothing but wonderful compliments...now if I can just convince the big insurance guys, I am not going to burn my house down nor trip a stranger, things will smooth out...until next year.
Cross your fingers, I am battling big boys!!
