Baby’s First Home Owner’s Insurance Claim

As noted on my Twitter and Facebook, the insurance company came back and approved our estimate for the porch, minus $250 for the tree. They are granted $3525, which is realistically $2525 due to my $1,000 deductible. The money will be in my account in 3-5 business days, so next week. Then we can get started on the new deck.

I’m not sure how much a new deck will raise the value of the house, but I’m hoping it’s considerable. I will have to do some research on what something like that does for the value of homes.

The most important part of this deck, is actually going to be a ramp at one end, that declines faintly onto the ground. The reason for this is because my dad’s legs hurt him a lot, and he often struggles with stairs. Should he ever be really sore, or hurt himself, then he can use the ramp instead of any stairs in the house at all, which I’m -very- happy about. It’ll be especially nice if I ever have to get him a golf cart or something to do things around our place on.

So I guess the tree is somewhat of a blessing in disguise. I need to take pictures of the carpenter ant damage at the base of the tree, and I plan to plant a maple in its place once I’ve destroyed the carpenter ant colony.

This entire insurance experience was ridiculously easy. I’m going to write a letter of praise to my claims agent and to the insurance company. Literally all I had to do was submit a claim through the website, talk to the agent for some details, submit pictures through their website, and submit a pdf of the estimate from a contractor of -my- choic through their website, and everything else was done for me. She even had my account number on file because I use it to pay off my dads loan, so she knew right where to put the money.

I thought dealing with insurance companies was supposed to be hard?