Then we noticed shingles all over the yard.
We called our insurance company. From my cell phone since the tree had taken with it our electrical stack to our house.
As I tell you this story, please keep in mind that although it is frustrating and taking seemingly forever, everything that has been replaced has been replaced with better quality and is an improvement to the house.
The insurance connected me with a lovely adjuster. They also connected us with a company we will call Contractor #1
Contractor #1 got our electrical stack repaired and power restored within 2 days so that the heat was back on by the time the 2 feet of snow hit (while we have a gas furnace, the thermostat is electric).
Because the house is from the 1970s, the electrical box and stack had to be brought up to code, which means we now have a more modern electric box and stack. The bad news is that when they replaced the box, it was bigger and they lowered it about 2 feet, leaving a big hole in the siding. We assumed someone would be back soon to fix that, or cover it up, or something.
Someone came from Contractor #1 to do an estimate of siding repairs from the stack being pulled out, roof repairs, electrical and tree remove. That person also used some 2x4 boards to nail tarps to our roof to cover the damage.
Contractor #1 sent out someone to cut up the tree off the fence. It took a few more calls to get them to send someone to clean up said wood.
About that time we were switched to another adjuster, Tina since there were so many claims from the storms, they had to redistribute the work. After 3 weeks and MULTIPLE calls and e-mails to Tina with NO response (to the point I started wondering if she even worked there anymore) we got out rakes to level the wood chips left and spread grass seed. We never have heard if relandscaping was supposed to be part of the claim, only that they wouldn't replace the tree.
After 2 months of me calling Contractor #1 3 times a week with no response regarding when our roof will be repaired (I know they are busy, but an estimate would be good) they finally decided they were too busy to deal with it and sent out Roofer #1. A young guy comes out to look at what is involved. Contractor #1 apparently had only sent him 2 of 4 pages of the estimate so I printed all pages out and he realized it was a much bigger job than he'd thought. He says he can be out within a month. The line by line estimate from Contractor #1 includes diagrams. Through confusion and the power of geometry we discover that the entire roof is to be replaced except for a very small patch at the back of the house. Which seems strange to us that they are replacing the entire garage roof which was not damaged, but not this little patch, but whatever. We figure out how much they are replacing and using algebra determine that the back portion should be roughly $400 and decide that's a cheap new roof.
Well, Roofer #1 comes back and says it will be $2300 because TWO slopes of the roof are not included. The diagram clearly shows damage on the slope he says is not covered and I do the geometry again to compare what the company says is being charged and it's clear that the slope is included. We fire Roofer #1 who apparently can't do geometry which is a little concerning.
Around the time we are firing roofer #1, I'm out in WA with the kids and Paul's about to follow us out a week later and he discovers mold in my office. See, the hole in the siding never did get covered and water has run down the wall and damaged drywall and flooring. The flooring runs through 1/3 of the basement. I had been complaining of a weird musty scent for about 2 weeks.
We call insurance company and reopen our claim. I insist on a new adjuster and am given Stephanie who is much more helpful and communicative. We also fire Contractor #1 now that we have additional damage due to their ignoring us. Husband spends a week with us and makes calls to a sponsor of his baseball team, Miller Restoration and they agree to come out when he heads home after a week to look at the damage.
Husband gets home to discover mold on the ceiling of V & H's bedroom closet ceilings from the roof that after 5 months has still not been repaired.
Miller comes out and says to call the insurance company to work out living expenses because the kids can't sleep in their bedrooms. They also start working up an estimate and tell insurance company a mold remediation specialist needs to come out and do samples.
The kids and I get home and go to stay directly with my inlaws. We all stay with them for 4 weeks while the roof is redone and the mold is cut out, samples are taken, air cleaners are running, cleaners are wiping everything down and I do about 20 loads of laundry.
Staying with my inlaws was a total Godsend. We looked into hotels in the Niagara area. They ran about $200 (yes insurance was paying, but we had to put the money out first and wait for reimbursement) and it was hard to find something. Everything around here tourist wise is by Niagara Falls which is crowded and touristy and congested in the summer. I try to avoid the whole town all summer long. Other nearby towns were all booked up. My inlaws graciously moved down into their basement letting us having the upstairs bedrooms, we had a beautiful pool in the backyard, I barely cooked. All of us got along aside from my husband and my short tempers the last week as we got frustrated with the waiting the last week.
My inlaws had just had their roof done by Parent Roofing and called the owner to see if they could find a way to help us out (no point in doing all the mold remediation if the roof was still leaking). Within a few days they sent over their longest-running employee. He worked alone for an entire week and that roof is amazing. They did the entire roof for what Contractor #1 said they'd only do all sides but one for and it's way better than what we had originally. He added vents to the roof (Miller was happy about that as our attic where they were doing mold remediation was an oven) and 3 vents to the garage where we had none. One is even available to set up with a fan connected to the garage door opened that can run 10 minutes or so to let carbon monoxide out.
As soon as the mold was found, we were switched to Adjustor #4, G who is in the area and came out to take a closer look. The gist of that conversation is that the insurance company is rightfully as unhappy as we are that Contractor #1, who they sent us, left us with even more damage than we started with and are approving what we need done with little argument. He also wrote a check for living expenses for the first two weeks right away.
The siding repair is set to happen next weekend (9/16) though the check for that has apparently gone missing. Adjustor G is working on that.
Bob the Mold Guy came through and tested and sent a protocol to the insurance who hired him, then it went to Miller, that all took about 10 days , then a week of cutting drywall, air scrubbers, etc. then another 3 days of waiting again for results and being cleared to move back into the house.
Since we moved back in last Thursday (right before labor day weekend) we've cleaned more and realized nothing can make you into a Minimalist more than something like this. We've gotten rid of V's dresser and bed (a 10 year old IKEA set), H's dresser (a put together kit from about 20 years ago that had moved 4 or 5 times). Husband and I are sharing our small walk in closet and our dressers are now to V and H and the bunk beds are debunked and they each have one. C is perfectly happy in the upstairs original master bedroom with a queen sized futon that while from husband's single days was a very nice purchase (high end with springs in the mattress, etc.) and a dresser we got last summer when husband's single days dresser became too small for his preteen sized clothing (that dresser also found a new home with a friend moving into her first home).
All 3 kids are back into their original rooms and we cleaned out the playroom to find really just the Lego Table and Nerf toys are jointly used-they are in a corner in the living room where they started along with the art desk that will move downstairs into my office (now art studio) when that room is repaired. All other toys are distributed amongst the kids who play with them. Books will be redistributed once the bedrooms are repaired.
The current estimate is that drywallers will come in 8-12 weeks (hopefully before Christmas). Then paint and flooring. A flooring person has come to do an estimate and we need to head to his shop to pick out new flooring. As part of that, we think we are going to spring to replace the kids' dated (C & V have 1970s parquet; H has a very cheaply done laminate) flooring to carpet now that everyone's potty trained. So again, we'll end up with something nicer than we started with. Because V's ceiling was damaged we'll get the texturing scraped off and her walls painted to match the new Pokemon bedding.
The biggest hassle now is that all my office/art stuff is spread out downstairs and not in my office and will be for the forseeable future. The kids' bedrooms will have to be emptied or covered when the drywallers/carpet installers come but they are comfortable for now.


















































