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My world got flipped up-side-down on Dec. 16.

Posted 02-12-2008 at 02:12:24 PM by doulas3babes
Updated 02-12-2008 at 02:18:34 PM by doulas3babes (updating)
Here's the skinny on what happened to us. I'm keeping a blog of it all. And this is c/p from another post.

I had a few moments while we're waiting for the adjuster from Huntington, WV to come and meet us. The trailer is a total loss, imo (but I'm no adjuster). I can't even begin to describe the damage that has been done. And w/it being a trailer and having that pressed board crap for walls, trim, & flooring, it doesn't take much to seriously damage that stuff.

Here's the story of what happened.....

The line that feeds the toilet broke spewing water all over the girls' bathroom. It was coming out of that line so much that the light fixture in the ceiling in there was full of water. We are unsure of when it happened. But I left the house yesterday at 4pm and we got back home around 10pm. When we got up to the front door, we heard this really strange sound coming from inside the house. And my fear has always been that we'd been broken into where we live in such a rural area and it's really dark there w/no street lights and only one neighbor that just a piece down the road. Anywho, I got the front door unlocked and out poured all this water out the front door and I had to physically fight w/the front door just to push it open into the trailer. It sounded like a waterfall in the house. To give you an idea of the water that came out, my porch, that's a 12x8' foot is a solid sheet of ice b/c of the water that came out of the front door.

The heat was on and the water had poured into our duct work/furnace and it was blowing that water out all the vents in the trailer. The damage is extensive. There are water marks about 3-4" up on all the walls in the girls' bedroom, their bathroom, the hallway, the living room and our kitchen. And then every single window, 2 doors leading to the outside and the skylight have massive condensation in them from where it was 17 degrees last night and all the moisture that's in the trailer. The condensation is so bad that the water is running out of the windows down the walls and into the electrical outlets that are below several windows. We had to unplug my deep freezer and microwave b/c of this. And so all that meat (chicken, deer, beef, fish, etc.) and frozen veggies and waffles and well, just everything that I had stockpiled in that deep freezer are gone. I found nowhere to put them.

And our furniture, my new computer (from last year), movies, presents, everything is soaking wet. The walls and floors are already starting to bow from the massive amount of water that was in there. We went outside and pulled back the underpining and in a trailer they have insulation under it and black plastic that covers that. Well, that black plastic is sagging down in 4 diff. spots from one end of the trailer to the other and those places are bigger than 2x a car hood and are hanging down about 4-5'. One of the bulges is laying on our sewer line that feeds out of the bathroom that had the leak to the septic tank.

What breaks my heart the worse is the fact that Anna was so upset that everything in her backpack for school (2 library books, her agenda book, and school books) are ruined from the water and she cried. And then poor little Maddie was just standing there in one spot in her bedroom for over an hr last night crying b/c her "room was ruined and all her toys and shoes and just everything". I think she was more devastated than I was last night. Cry And of course Eli, he's running around all over the house in his boots like he's splashing in a puddle after a spring rain. I couldn't help but smile and laugh. What else could I do. Wink

We have homeowner's ins. and we've got coverage on our property, contents and even loss of use. The only down side to the 'loss of use' coverage is the fact that we have to shell out all of the money up front for like a hotel, etc. and then get reimbursed later on down the road. Our deductible is $250, so it's not like it's $2500 that we've got to come up with. I think too, w/it being Christmas and then Anna's 7th b-day is next Friday, the girls already started asking "How will Santa know where to bring our presents??" "Will we still have Christmas" And of course Anna is really worried about her party b/c I was having it there at our house. But now I won't be able to and I've called around and everything else is booked b/c of Christmas and New Year's parties.

More than anything we need prayers. Prayers and more prayers. And even more prayers. Honestly, I just feel so lost and confused. I know it's not right to ask but why does this stuff keep happening to us? We're a good people and we give alot and help others whenever we can. I mean, I just donated over 400 non-perishable and frozen foods to Anna's school to help w/the Christmas baskets this yr. Just to help out. Truth be told, we prob. 'qualify' for one of those baskets b/c of our income, but I've been so incredibly blessed w/knowledge and cpns and the wonderful trades that I'm able to help others that are in the same financial situation as us, but just don't have the resources like I do. And I helped my friend Jan out by giving her literally an entire car full of food and stockpile stuff. Why? Just Why??? It's Christmas for crying out loud!!!

I'm so very sry this became so very long. I have so much emotion just coming out of me right now. For you ladies that have my number and if you wanna call me, pls don't hesitate. I would love to hear from you to take my mind off of this right now. I'm sorry, I just feel lost, so incredibly lost. I don't even know where to start or what to do or what to say or really sometimes how to feel. I just feel lost.

I love you ladies. Love you all w/my heart. I consider you all such close and wonderful friends. I am truly blessed beyond measures. I suppose that this is just another setback, possibly a lesson. Who knows. I know that it will all work itself out, things like this always do, but it's just so hard to see that right now. I just wish my string of bad luck would just go away. Honestly and truthfully, I or rather we, me and my family don't deserve this.

Thank you all for getting this far and for praying for us. I love you all!!!

Linda

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Old
doulas3babes's Avatar

December 17, 2007

Honestly ladies, right now we just need prayers. And lots of them. I can't even get what is salvagable right now and I don't know when I'll be able to or what is able to be salvaged. The adjuster came out today and will be back tomorrow w/the contractor to get the final estimation of damage and what their "plan of action" is. I am praying that the plan is to deem the trailer a total loss and replace our belongings that have been damaged.

Last night, after we called the ins. co. and then our families, I went through w/the camcorder and recorded all the damage in each room and then under the trailer. I also took a pencil to mark the water levels that were in the house. When we went back in there today the water had soaked into the paneling about 1" or so higher above my mark. You guys should have seen all the water that came out of the bulges under the trailer today. They haven't called any place like ServPro or anything to try to remove any water or dry the place out or anything. Makes me think they may just find it at a total loss. Seeing as how water is dripping from my skylight now in the kitchen from all the moisture that saturated in the air in the trailer. So you can only imagine what that's doing to the ceiling, the rest of the walls, our electronics, etc. I had some pajama pants that I let air-dry and hadn't put up yet and they are so saturated w/the moisture in the air that they were actually wet and had to be put in the dryer. AND, the water damage is already starting to be apparent through the entire trailer w/bulging floors, bowing walls, trim that's separating, etc.

The biggest prob. right now is finding a place to live, buying food to eat (fast food) Roll Eyes seeing as how there is no 'stockpiles' to turn to cook from right now, I don't even have a place to cook. And if they put us in a hotel of their choice, which isn't much around here, then I still won't be able to cook and will be stuck in a hotel all day w/3 kids and no toys, no nothing. AND then my next after we find a place to stay is to figure out what we're doing for Christmas and if any of our presents are giftable and not a total loss. And then I gotta figure out what we're doing for Anna's birthday next wk.

Besides tons of prayer, we could use any fast food type cpns. Like bogo's or $$ off. Even a $0.50 off something. We have Chick-fil-a, burger king, mcdonald's, arby's, subway, wendy's and a few others I can't remember off the top of my head. The ins. co. said that they will reimburse on food "above what we would normally spend" and so if they go and find let's say that the national average for a family of 5 spends like (I don't know) $800/mos. on food and well, you guys know my budget and that's for EVERYTHING besides our bills and that's $268/mos., then they won't be reimbursing me for anything and well, I can't afford $800 or even $500 for a month of just food. So, I'm just a little, well, I don't know how I feel about that, other than discouraged.

I want things to be as normal as possible and I don't know if that's possible. And I am a "here and now" person like you Holly Wink , the unfortunate thing about that in this situation is the fact that this is a waiting game on the ins. and all we can do is sit and wait and then figure out exactly what we're gonna need. Which really stinks given the time of year that it is and Christmas being a wk away from tomorrow. And all my planning and preparing for it and everything just seems like it's a waste now.

I don't know what's gonna happen tomorrow or even where I'll lay my head tomorrow night. But for now, we are dry, getting ready to eat some hot food and everyone is alive. I can think of far worse things that could happen to us. I still feel so blessed and fortunate for my blessings and for family that's helping us and our friends both IRL and esp. here. I continue to be amazed by each and every one of you on here. I love you all!!!

Oh, oh, I almost forgot a funny twist to all of this..... and just HAD to share!!! When our adjuster was at the house, he left the back hatch open on his Jeep Grand Cherokee as he was getting his flashlight and some other stuff. Well, he left our place and drove about 30 min. from here just toodling up the road listening to the radio when he heard a "MEOW"!! He looked in his rear view mirrow and noticed 2 big yellow eyes looking back at him!!! Our cat, "Little Grey" had gotten in his Jeep and I guess had wanted to go for a ride!!! He had to come all the way back to our house to drop our little stow-a-way back home.

Linda

p.s. When I get the chance I'll post some pics of the damage if it photos well. I tried to take still photos last night and you couldn't really see a whole lot.
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Posted 02-12-2008 at 02:23:34 PM by doulas3babes doulas3babes is online now
Old
doulas3babes's Avatar

December 18, 2007

I'm not going to go into detail about what happened today b/c it would be rather long and I am just too tired and emotionally exhausted to try to explain it all. BUT, I can tell you this..... I have to find another contractor and adjuster and go from there. I just feel completely and totally defeated, devastated, and lost. And I don't know where to start or what to do, it's so sad.

I have uploaded some pics. BEWARE!!! This is pic overload.

This is what caused the nightmare....... :'( :'( :'( :'(


This is the hallway just outside the bathroom.


This is in the girl's bedroom on the outside wall.


The window in the girl's bedroom.


The wall in the living room behind our couch. Notice the vertical pencil. That was the water line from Sunday when it first happened.

This is opposite wall of the couch across the living behind my computer desk.

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Posted 02-12-2008 at 02:25:36 PM by doulas3babes doulas3babes is online now
Old
doulas3babes's Avatar

December 18, 2007

I forgot to say, I have many more pics, but don't feel like posting them all. The carpet in the living room, hallway outside the bathroom and the girl's bedroom is COMPLETELY saturated. When you walk on it it's like walking in water puddles outside.

Our kitchen floor has a huge bulge in the middle of the floor where the subflooring is swelling from the water and the outside wall in the kitchen is just as damaged as the living room. The hallway going back to my bedroom is saturated as well. Our furnace is completely ka-put and there are spots throughout the rest of the house where the floor is starting to swell from the saturation of water in the subflooring and insulation underneath.

I am an emotional wreck right now and I know that my HRT crap isn't helping either. I went to Anna's school today and TJ and I had lunch w/her. It was such fun just "hangin out" w/a bunch of kids for an hr. Made me kinda forget about what was going on back at home.

I will def. keep everyone updated as best I can.

Linda
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Posted 02-12-2008 at 02:27:06 PM by doulas3babes doulas3babes is online now
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doulas3babes's Avatar

December 18, 2007 - More pics

I've been uploading more pics. I'm thinking about emailing them directly to my ins. co. in the morning. Maybe they would like to see them firsthand. B/c you know, the adjuster only took like 3 pics and went through the house today so just like "whatever" and half-butted the measurements of each room.

So, here's some more pics.

Behind the door in the girl's bedroom.



This is in the hallway outside the bathroom. The vertical line on the wall, again is a pencil mark I made to show where the water was actually standing in the trailer when it first happened.


Here's at the other end of the living room behind the Christmas tree.



And finally, my stack of inserts that are ruined. :'( These are sitting in the floor right next to my computer that's also sitting on the floor and is water-logged.
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Posted 02-12-2008 at 02:28:03 PM by doulas3babes doulas3babes is online now
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doulas3babes's Avatar

December 18, 2007 - More updates

They told us that they were gonna spray this "anti-mold resistant spray"..... which they said was diluted bleach! I am going to be making quite a few phone calls tomorrow and trying my best to get a contractor and another adjuster up there TOMORROW!!! The trailer is already starting to smell musty and like old dirty, nasty, sweaty 13 yr old boy gym socks. YUCK!!!!!!!

It just stinks that TJ has to go back to work tomorrow. He used the last of his 2 vacay days that he had. He burned the rest of his 2wks back at Thanksgiving from being sick. So, I've gotta do this now all on my own and ONCE AGAIN, it looks like I'm going to be doing it w/kids in tow. I'm trying to work something out there, but I'm hitting brick walls. Which is another frustration, I just don't know what to do. I just hope I don't end up having a heart attack or something from all the stress........
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Posted 02-12-2008 at 02:29:32 PM by doulas3babes doulas3babes is online now
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December 18, 2007 - 1 more pic

One more pic... how could I forget this one?!?!? This is a pic of one of our ducts that the contractor and adjuster told us to poke a hole in to let the 3" of water that was still in it today to let it drain out. Well, can anyone guess what their remedy is going to be to "repair" this hole?????


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Posted 02-12-2008 at 02:30:17 PM by doulas3babes doulas3babes is online now
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December 19, 2007

It's been a heck of a year for us and it seems that the end of the year is the "grand finale"! We will get through this though!! I know we will. I try to stay firm on my faith.

***An update...... I went straight to the ins. co. today and spoke to the head guy. He advised me that what the adjuster did yesterday w/the contractor was uncalled for, and unprofessional. He should NOT have brought that contractor w/him. We have the right to chose whatever contractor that we want. I am also a bit miffed by the fact that the adjuster or contractor didn't bother to check out the underside of the trailer AT ALL!!! Now, I'm not a genius or anything but.... how in the world can you do an assessment of the the TOTAL damages done and NOT look at the underside of the trailer?

I am meeting a new contractor in the a.m. They are licensed. They are going to do a complete walk-through of the trailer both inside and out and address any concerns that I have like w/my windows, doors, skylight, etc., as well as the damage to my furniture. They will be the ones to come in and take out the salvagable stuff and move it to a storage unit, clean anything that needs it and if it does end up being repaired and not deemed a total loss, they will do all the work or subcontract out all the work and get it all done.

I am trying to find a hotel. Prob. the Holiday Inn Express b/c it has to have accomodations for a kitchenette, living room, etc. Since I will be in there all day w/the kids and will need to cook, wash sippy cups, etc. We're also trying to find a house to rent on a month to month basis, which would be a lot cheaper, but might not be able to get anything figured out until after the first of the year.

Honestly, I am praying for a total loss. That would be prob. the most cost effective for our ins. and the best thing for us overall and in the long run.

Linda
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Posted 02-12-2008 at 02:32:25 PM by doulas3babes doulas3babes is online now
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December 20, 2007

I am hoping to have more definite answers tomorrow as to the total damage and what's salvagable. I was in there today and looking at the damage and all the water and everything, the girls' bedroom is pretty much a total loss. And I mean everything. Their bunkbeds and dresser are like maybe 6 mos. old or so, as well as their mattresses. And then all their toys and clothes and books, coloring books. *sigh* I don't know if I'm gonna be able to break it to them that all of their stuff (barbies, barbie clothes, barbie computers, baby dolls, cabbage patches, doll clothes, book, coloring books, strawberry shortcake stuff, just everything) and clothes/shoes is totally destroyed. Even the clothes in Anna's closet are very damp and very smelly from the mildew/mold that's growing the trailer now. Undecided And in Maddie's armoire, it is soaking wet about 4-5" up and starting to swell a bit and the moisture has caused the back of it to warp and all her clothes are so stinky and musky smelling and very damp feeling as well. And then their mattresses and bed sets..... I'm just sick thinking about it. I think the ONLY thing that can be salvaged from their room is Eli's play kitchen we moved in there out of the living room (so we could put up the tree). And it's totally plastic.

I'm still just trying to come to terms and grasp all of this. It still feels like a really bad dream. I'm just so sad right now. It's very overwhelming. I hope you guys don't mind me coming here to vent my feelings. I almost feel like a broken record w/my emotions, but it's all I know to do to get them out. And getting them out still doesn't make me feel much better.

And then as I type this, another knot forms in my stomach as I think back to all the crap, just a total pile of crap that we've had to endure this entire year. Well, really since TJ and I have been together. Honestly, it's a wonder we're not headed for divorce. kwim? But we're still together and stronger than ever. He is my rock and foundation and support.

Linda
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Posted 02-12-2008 at 02:34:04 PM by doulas3babes doulas3babes is online now
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December 20, 2007 - more update

The 2nd contractor was there today for about 2 hrs. He did alot more in depth stuff than the other one. Like measuring the moisture in our walls which is about 3'-4' up the walls in the trailer. We did get the estimation of repairs from the 1st contractor which is $14,600. I was REALLY shocked by that figure actually. To hear them talk was like we had like $5,000 of damage or something. And the 2nd contractor that was there today found even more damage than the first contractor. Sooooo.... if logic plays out, then their estimates should be higher than the first. And I'm still praying that they deem it a total loss and let us pay off the lien, but it's not much higher than the $14,600.

The only HUGE drawback right now............................................... ......... are ya ready?Huh...........................

Our stuff is mildewing/molding and we need to get it out ASAP!! Our house is basically like washing a load of towels and then letting them sit for 5 days or even longer. That's what my house smells like. Now, TJ has no more vacay days and the 2nd contractor does that sort of thing but he is short staffed and way overworked right now w/new jobs. We have no real help w/getting it boxed up to be moved. I've called around looking for a storage unit to try to move it ourselves and they either don't have climate controlled building or the ones that do have them, they are already occupied. There are a couple of other place that will come in and box it up and move it for us and store it, but the earliest they can do it is next. Wed. Which will be way too late.

If we can't get our stuff moved and the rest of our furniture and belongings suffer extensive mold/mildew damage, the ins. won't cover it b/c it should have been removed some way by us, irregardless if our hands our tied and we have no way of getting it moved. I'm stumped and feel even more defeated than before.

I do have more bad news to report................... EVERYTHING and I mean EVERYTHING in the girls' room is a total loss. I have a knot in the pit of stomach over how I'm gonna tell them that it's gone, it's all gone. All their stuff has been destroyed or ruined. I know I said this earlier, but the 2nd contractor confirmed today that it's a total loss and confirmed what I thought was true. I took more pics today of the damaged items. My adjuster w/the ins. co. told me to go in, take pics, and then haul everything outside to a pile, take another pic and then put it in a big dumpster that we gotta rent.

And then my big standup medicine cabinet in the bathroom w/all my stockpile stuff is ruined as well. My couch, lay-z-boy, computer, computer desk, end table, entertainment center, 3 rugs and some other misc. stuff like Eli's Elmo chair is all gone. It's all ruined. And if we don't figure out a way to get the rest of our stuff out, it's all gonna ruin as well. All my stockpile stuff and everything. And what makes it even worse is the fact that it's SO INCREDIBLY cold in there and we can't turn the furnace on b/c of the damage it sustained and they still haven't gotten anyone in there to fix it or look at it or anything. I'm still trying to thaw out over being in there today.

So, I just figured I'd post an update. I'm pretty bummed right now. I wanna go shopping so bad at Target and CVS to get the deals at Target and roll my ecbs, but I don't have anywhere to put it. I'm so sad right now and upset and just plain 'ol ANGRY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Thx for letting me vent!!!!
Linda
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Posted 02-12-2008 at 02:35:52 PM by doulas3babes doulas3babes is online now
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December 20, 2007 - more updates

Servpro is our 2nd contractor. We have gotten 2 estimations of damages so far. Should know what Servpro says from today, tomorrow sometime. We actually had a hard time finding one other contractor in our area that will A. travel the distance to us and B. someone who actually deals w/mobile homes. That's been an uphill battle. All the while my stuff is mildewing.

I started investigating it 2 days ago and can't find anyone in my area. I'm having a hard time finding someone that will travel all that way to our house and box up our stuff and it not be a wk or so before they can do it. This is actually quite challenging.

As far as the food thing goes... They will give us above what we normally spend on food for the month.... w/a budget of less than $300 for EVERYTHING (hba, cleaners, food, etc.), well, we should be blowing that out of the water rather quickly!! BUT, I have to shell it all out upfront and then try to recoup my money back.

We still are not in a hotel. TJ, myself and Eli are at my mil's again tonight and Anna and Maddie are enjoying some quality time w/my parents. I got quite a bit of work done in the house today w/removing some things. I'm going back tomorrow and my ex-husband (who has the day off) and a few others from the community are coming to help me box up some stuff and start pitching the stuff that's ruined right out the front yard to make a pile just like the adjuster said to.

I think we're gonna go in and get what we'll need like we were on vacation and then pack up the rest and just wash what we gotta wash over and over for now. I do know that I am going to pack stuff up and organize it and pitch some stuff that's prob. long overdue of needing to be pitched. So a positive of all of this is my house is gonna get a major cleaning out!!!

I don't even know where the stuff I can salvage is gonna go, unfortunately. I'm hoping to have some more definite answers tomorrow. I do know that I now need to start wearing a respirator while working in the house b/c of the mold. It aggravated my asthma something awful yesterday and today. I feel like I'm being suffocated.

I will post more tomorrow when I hope to know something more definite from Servpro and their estimation of damages and what the adjuster has to say.

Linda
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Posted 02-12-2008 at 02:37:51 PM by doulas3babes doulas3babes is online now
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December 23, 2007

Where to start??? *sigh* I hate to sound like such a downer, but honestly, I am having a really difficult time dealing w/this situation.

I'll try to bring everyone up to speed w/what's happened over the past 3 days. I rented a budget truck on Friday. We got the majority of our stuff moved yesterday w/the help of my parents, my bil/sil/nephew, my ex-husband, TJ's parents (watching Eli), and my ex-in-laws (who kept Anna & Maddie). We still don't have everything out yet. We've got to try to go up there today and get the rest of the truck loaded up and then drive it down to TJ's grandma's house where we'll be trying to put my hba, canned goods and cleaners at till I can try to find a climate controlled storage unit on Wed. We put some stuff in my van and TJ's truck last night and TJ went out there this a.m. to get a few things and he said that both vehicles smelled like the trailer.... musty, mildewy, nasty.

Also, we noticed last night that the floor in our living room has a 'dip' in it now where the floor is rotting and caving in. And so being in there working has now become a huge safety issue. I know that it's an issue w/breathing in the moldy/mildewy air, but this is another issue. Which btw, we are wearing respirators.

The whole reality of it came crashing down on me yesterday and hit me like a ton of bricks. I know that the living room, bathroom and girl's bedroom were a total loss, but it really sunk in once we were taking stuff out and throwing it outside and filling the girls bedroom w/black contractor trash bags full of ruined stuff. My heart aches and is so heavy right now. Cry I believe this is the most difficult thing I've ever had to endure.

My children, particularly Anna, is having a difficult time w/it all. She wants to go "home" and sleep in her own bed and play w/her stuff and she can't. And trying to explain that to her has been rather challenging. I broke it to both of them on Friday of the damage done to their room. They were both crying (expected that Cry ) and I tried my best, as best I could to tell them that they will get a new bed (their's was just recently bought though) and will get new, better stuff than what they had. I threw out 26 prs of ruined shoes/boots/tennis shoes between the 2 of them.

To make matter worse, it seems that my wonderful husband is just dragging his feet and not doing a whole lot to help. I don't know what his issue is and quite frankly, I'm getting tired of doing it all and pulling his weight. Honestly, I wish he would just go somewhere. Instead of using this to be productive, he's just shutting down. Remind you guys of anything??? Like when he injured his back and couldn't find a job? I called Kristi last night bawling my eyes out (again) and told her that there's a part of me deep down inside that wants to get in my van and just keep the wheels a-movin'. And I feel like a terrible mother/person for even saying that.

We were going to go up today and move the rest of our stuff but don't know if we're gonna get to b/c my in-laws told TJ that they needed a break and were going shopping all day today. Well, we can't exactly move the rest of our stuff w/Eli and we can't take Eli in the house at all and there's no one else that can take him. And tomorrow will be a total wash b/c of Christmas plans that were already made, family members coming in and no one willing to budge on the plans made. And then of course the next day is Christmas and we won't get to and then TJ goes back to his 12 hr. days of work on Wed.

I feel helpless... in every sense of the word. And I feel totally and completely defeated. Those 2 words don't hold enough meaning for me right now. And maybe they do. Maybe they have all the control..... helplessness and being defeated.

Linda
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Posted 02-12-2008 at 02:40:41 PM by doulas3babes doulas3babes is online now
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December 24, 2007

Well, it is official...... we are now homeless. Everything we own fits in a 24 ft. Budget rental truck. How sad is that?? We still have no real 'home'. You know, it dawned on me tonight that since TJ and I have been together, we have been jobless, car-less, and now homeless. It's amazing. I do however count my blessings and I realize that while my situation is bleak, it could be worse. Alot worse. At least we had some belongings we could save and pack up.


Merry Christmas!

Linda
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Posted 02-12-2008 at 02:41:51 PM by doulas3babes doulas3babes is online now
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December 25, 2007

MERRY CHRISTMAS!!!

It really doesn't feel much like Christmas. We've been busy working since 9 am on getting all our stuff that we just through together of thinking that we'd need and tried to save all organized and put together. I'm still trying to finish up our laundry as well.

The kids got things for Christmas. Prob. not what they were wanting "exactly", but gifts none-the-less. And we have life, and I keep reminding them of that. And besides, for us, Christmas isn't about all the 'commercial' hype, it's about our saviour Jesus Christ. And I keep reminding them of that as well.

An update............ we still don't have anything determined yet. I didn't expect to b/c of the holidays and all. We are still waiting for the estimation of damages from the 2nd contractor. I spoke to him yesterday and he was supposed to call me back yesterday afternoon and fax over the estimate, but I guess he didn't get it done. Maybe I will hear something tomorrow. I will be calling him. I'm still praying for a total loss. We've been looking at homes, double-wides, modulars and so forth. We haven't really found much we like or can really afford yet. That's frustrating in itself. And there are some other financial burdens that plays into this scenario too that's making it alittle more difficult. Mainly my van and needing to pay that small personal loan off before we can finance a bigger place w/a higher payment than what we have now. Undecided I will be on the phone alot tomorrow trying to find a storage unit, getting an extension on our rental truck b/c we can't get any of it moved until this weekend when TJ has another day off.

I believe we will be in a hotel tomorrow evening after TJ gets off work. Prob. the Holiday Inn Express. That's the only one that has the accomodations that we need. So no more internet access for me, unless my little brother lets me borrow his laptop that has wifi access. We'll see.

Linda
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Posted 02-12-2008 at 02:43:18 PM by doulas3babes doulas3babes is online now
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December 27, 2007

As I type I am in the hotel room. Not sure how long this is goin' last b/c they have booked us 2 king rooms b/c they didn't have any double beds and won't for the next several wks (mostly due to remodeling) and it's running us $180/night for both rooms. This room is SO big that we would really only need the one. I'm thinking of getting the girls a little pop up tent and putting it here in front of the couch to "camp out" in. And doing away w/the un-needed second room.

I've rented our Budget truck through next Wed. We're getting an Allied dumpster brought in on Friday to the house to start getting all the damaged stuff in it. We have some ppl from Anna's school, mainly the principal (a woman) and some of the PTO members to come and help. I am SO thankful for them!!! I LOVE my little town and it's time like this that makes that little town that much better.

Ok, so now for the BIG update........ my ins. adjuster w/my actual ins. co. was gonna send the contracted adjuster back out tomorrow to reassess the damages and redo the estimation. Well, that contracted adjuster and I had words today and I hung up on him b/c he was being SO INCREDIBLY rude to me over the phone. Well, I get this call from my adjuster w/the ins. co. (while in the middle of the mall getting Eli a new pr of shoes at the shoe dept. for $12) that the first contractor has gone back and redone the estimation of damages and they've now revised the estimation and he told me we're at $19,838.89 or something around that figure. Honestly I don't remember the exact amount. He said that if we don't hear from the 2nd contractor w/in the next 24 hrs., he will be going ahead and issuing a check to us for that amount and we'll be paying the loan off.

I've got over 200 pics sitting here to help me fill out the inventory sheets for the damages done to our personal property and the ins. adjuster said to get them filled out and faxed over and he will start issuing checks to start replacing our stuff. We are still unsure as to what we're going to live in right now. It's all up in the air.

It's not official yet, BUT it appears that our prayers have been answered and they are going to deem it a total loss and pay off the loan. It's the best news and the worst news. We're on a time frame now to start looking for a home. And the ins. co. is only gonna give us a time frame of 4-6 wks for our loss of use coverage to find a new home and be ready to move into it b/c that's the length of time that was given for the initial repairs. *big deep breath*

I hope to post a definite answer as to the outcome by Friday of this wk. PLEASE keep praying for us!!

Linda
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Posted 02-12-2008 at 02:45:04 PM by doulas3babes doulas3babes is online now
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December 27, 2007 - more updates

Covering our contents is entirely separate from the dwelling coverage. We will be up there on Sat. w/some help from our school principal and PTO members and they are gonna help us get rid of all the contents to the big dumpster that's being delivered tomorrow. I have to make inventory lists of everything that was damaged/ruined and then fax it over to the adjuster. He will then begin writing checks out for the damaged stuff. I'm prob. gonna hold off and wait to send them in till we have a more definite answer of what we're doing, where we're living, etc. B/c I personally don't want brand new furniture sitting in a storage building. Wink

Our biggest dilemma right now is what exactly to do. We do have to stay within our budget w/what we buy (obviously), but since the trailer is going to be paid off and we own the land outright, we are going to be free to do whatever we want to do.... within reason. I mean we could even leave there and buy a house somewhere that is within our price range.

Which leads me to some questions....... for those of you that have bought a house or maybe someone on here works at a bank and deals w/mortgages.... do you have any suggestions to make the process a simpler, easier one for someone like me that is on a MAJOR timeframe (very limited time)?? Should we go to the bank to see about pre-qualifying? Should we go through a realtor? Look on our own? Is it even possible to think that we could get it all took care of and completely moved in within 4-6 wks?? Am I just dreaming?? I greatly appreciate any and all advice/suggestions that you ladies may have regarding this, esp. if I am leaving out any questions that I should be asking for answers.

Also, we have the option to go and buy a small doublewide, modular home or a 16x80. They all pretty much have the exact same square footage, they are just laid out differently. At least the ones that we are looking at that are within our price range. And we wouldn't have to move our family and uproot Anna out of her school and her friends and everything that we all have grown accustomed to and have adapted to. It's like being stuck between a rock and a hard place, kwim? Sometimes when you pray for a specific answer and you get it, another set of probs occur.

We have a lot of decisions to make and they are really difficult decisions. I don't know which is worse.... the initial stress or the stress now b/c we have a very small time frame to work with. A time frame that the ins. co. is fitting the bill for us to find a new home.

This entire process has been quite a learning experience, to say the least. I know exactly what to do should this even (God forbid) happen again. And I know that my family is growing stronger both as a unit and each as individuals through this process. It's just getting through it that's always the difficult part. I'm not crying as much as I was, but I still have my moments. It's almost an hour by hour sort of thing. But it is getting better. Sometimes I cry so much that I end up laughing and then I'm laughing so hard that I'm crying. What a roller coaster. My body is physically starting to show signs of the stress w/stomach pain, indigestion, and chest pains. I know it's all just signs of the insurmountable stress I'm under right now. TJ is feeling the same way.

Linda
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Posted 02-12-2008 at 02:46:44 PM by doulas3babes doulas3babes is online now
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December 28, 2007

An update...... this morning has been a little rough. I finally had the opportunity to make a w/l of things/cpns we need right now. That was really hard. Trying to come to terms 'in writing' of everything that we've lost. I dread doing my inventory sheets this weekend. And I really dread going back up to our place tomorrow to load all the ruined stuff into a Allied dumpster. It still all just seems so unfair.

The girls, esp. Anna seem to be doing a little better. Today is her b-day and unfortunately, I have to go to the dr. for an earache and we've got a TON of errands to run and business to take care of. I don't even know where we're gonna have a little get-together at this evening for her. I'm at a total loss. I gave her 3 presents last night that I had stored in my building and I had to give it to her wrapped in a black garbage bag b/c I didn't get the opportunity to get wrapping paper and ran out of time to try to wrap it in mil's Christmas paper. She seemed to handle it ok.

Linda
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Posted 02-12-2008 at 02:48:12 PM by doulas3babes doulas3babes is online now
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December 29, 2007

Another update........ today was a really bad day. I went to our bank to take care of several things that needed took care of and I just about passed out at the bank in some guys' office!! With all 3 kids w/me by myself. I called TJ and then my parents and then my dr. They got me worked in and I have a vertigo prob. and an inner ear infection. Was put on antivert, phenergan and an antibiotic and told to rest and fluids.

Yeah right to the resting! I ran a ton of other errands... well, my dad drove me around and then helped me around like some 90-yr-old little lady. And then we went to McDonald's to have cake and let the kids play. As we were going in, TJ opened the door for me and let go of it to step forward and catch it w/his foot and he missed and it closed too quickly and smashed me into the stone wall outside the store. I had to file an incident report and I've got a big nasty bruise on my left arm.

Then, after we got in there, ordered/paid for our food and was trying to get situated, the mgr and asst. mgr come over. Well, we were informed that we couldn't do that b/c we hadn't paid or reserved a table. Roll Eyes But we weren't in the party area. So, I spouted something back (prob. shouldn't have b/c looking back I made a 'jack' of myself) and we moved out into the lobby so everyone could eat what they ordered and paid for. Then they come out and said we couldn't do that either. I explain to them our situation about living in a hotel and the loss to our house and how we would've had her party at the house if everything hadn't happened as it did. Things quickly became a diff. story and they moved us back to the place to a bigger area, brought us out plates/spoons/knife and said that if we needed anything to let them know.

I was so embarassed to say the least, but it worked out in the long run. I felt so bad for Anna too b/c I didnt' get to video tape any of it and it wasn't a 'real' party and her biological dad didn't even bother to show up. Roll Eyes Angry BUT, those that are important were there and that's all that matters, right?

----> Oh, yes, back to the the water damage thing.... I heard from my ins. co. and they are cutting us a check on Monday for the payoff on the trailer. We are free to make our decision. And we have no clue what we're gonna do. I rented the storage unit today, and we're getting the stuff in the dumpster tomorrow as well as getting the truck emptied out as well into storage. I've been doing the inventory lists as well and will be sending a ton of stuff to the adjuster for reimbursement next wk. We're working w/a woman at a modular home place and we're hoping to have a definite answer made as to our final plans within the next few days.

Linda
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Posted 02-12-2008 at 02:50:05 PM by doulas3babes doulas3babes is online now
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December 29, 2007 - more updates

We went and put all the damaged stuff in a 8'wx22'lx6'd dumpster that was dropped on-site yesterday. My parents were gonna help us, but my grandma is in the hospital for severe abdominal pain and they are unsure of what is wrong w/her. They're running a bunch of tests on her. PLEASE pray for her. She really hasn't been the same since my grandpa died 3 yrs ago this month.

We thought we were gonna have other help as well w/the principal and PTO members from the school, but none of the PTO members showed up and the principal got hung up in town and was about 1 1/2 hrs late. But she did help some and every little bit helps, right?? So, the trailer is completely empty and everything we own is either in a dumpster or in the back of a Budget truck. It was a little hard to see everything that was ruined again. We are hoping to be able to get the Budget truck emptied out tomorrow. I believe my sil/bil is supposed to help.

The check is supposed to be sent out on Monday to pay the loan off. We are still weighing all our options and don't have a definite answer as to what we're doing. It's really all up to TJ..... Roll Eyes He makes all the money and so the loan will be in his name solely. It would be of no use to put my name on there and so what he says pretty much goes sometimes. I have some input into this whole process, but we really has the ultimate say and to be quite honest, I am so sick of arguing over all of this, that I'm getting to the point where I really don't care.

Tonight at the hotel has been a little wild. There are some basketball players or something here on our floor and they are a little rowdy. I really dread being here Monday night w/3 kids. This place will be NUTS b/c of it being New Year's Eve that night. There are 3 bars right across the street and I know they will be packed. I've actually stayed in this hotel for New Year's and I know how it can get. I'm really hoping that my mil takes the baby and my parents take the girls that night. TJ and I will prob. go out for a little while w/friends if they do this. The girls will be asleep when the ball drops anyways.

I've been working on the inventory lists. What a CHORE that has turned out to be!!!!! And I have to look everything up and find exact descriptions and prices for everything. It's like a big cluster mess. But, I will get it done and hope to by tomorrow evening b/c I would really like to start seeing the money coming in here quickly. We have lots to do and take care of..... err, rather I do.

Linda
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Posted 02-12-2008 at 02:51:46 PM by doulas3babes doulas3babes is online now
 
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