Done with Insurance?

[stormdog]

Our final paperwork from insurance got here for us to sign. It has a cost breakdown that seems to be exclusive of the construction/rebuild work. They spent over $33,000 on rent for our temporary furnished apartment, which kind of blows my mind. They paid the condo corporation $10,000 for something unspecified, and $35,00 to us and a disaster response company for what looks like a combination of personal possession replacement and disaster mitigation work. With a few other things, it comes out to $79,004. Without the construction work, and repair work for neighboring units, whose total probably dwarfs the rest.

If we hadn't had insurance, we would be bankrupt so many times over. We have one last check coming for about $1000.

Comments

[dewline]

I hope you never have to worry about it again, and for the best possible reasons for your purposes.

[stormdog]

I am with you 1000%. This was awful in so many ways.

[cmcmck]

Glad that's all over and done with!

[stormdog]

Me too! Thank you.

[sabotabby]

I hope it's done and you're able to heal from all this.

[stormdog]

Thank you. I think the healing has been happening. It's slow; I still get scared being away from the condo sometimes, or get scared about whether I've turned the stove off after going to bed. But these things happen less than they once did.

[armiphlage]

I'm very glad that you had insurance, with a company that didn't try to cheat you too much.

[stormdog]

Thanks; me too.

Since most of the payments were to outside companies, I think the major way they could have tried to cheat us was not covering all of our personal possessions. But since the value of our possessions was over our insurance cap anyway, if they invalidated some of our claim, they'd still be paying the same amount so it wouldn't help them much. I suspect that's why they didn't ask for documentation of anything whatsoever. They just paid it all.