I’m not the only one who is shocked and dismayed that just 2 days from the one year anniversary of my house fire, the rebuild is not done. The insurance company has said “Enough!” too.
I have until the end of February then they cut off my housing allowance .
It’s ironic. When the settlement was made with Liberty Mutual, my insurance company, I was told by my personal adjustor and others advising me that they, Liberty Mutual, would be involved in every step, that they would hold the money and send out inspectors to check each milestone and funds would only get released when they said so. Those I was working with told me this was unavoidable and unfortunate because it would add time to the process – waiting on insurance to inspect and approve. Then, in what I was told was a stroke of “good luck” the insurance company wrote a check to me for the full settlement and said, get the job done. I now realize what a stroke of bad luck that was. I wish with all my heart that the insurance company had been my partner in this process. As it is, I am the only one who is arguing with the contractor, staying awake at night worrying about the costs and schedules. I have no ally, no partner, no help at all. I have never felt so completely alone.
This has been and continues to be one of the most difficult things I have ever dealt with. If you knew me, knew what I’ve managed through, you’d understand what that really means. I’ve dealt with dementia and debt, with incredibly stressful jobs and people. I’ve bought homes. I’ve dissolved marriages. These are supposed to be the most traumatic events in ones life but they were nothing compared to the absolute isolation and frustration of this rebuild.
I could stay in my apartment on my own dime, or (for less money) move into a local dive motel but I’ve decided that I will move back into the house at the end of February, in whatever state it is in. I know it has a roof, window and doors. I will make it work. If this is the case, then I will fire this contractor and hire individual craftsmen and piece by piece, room by room, finish the house myself. This decision has given me some measure of peace because it gives me a plan.
If, as I’ve mentioned in earlier posts, the fire was a result of devine intervention (on the part of my mom in heaven) to give me a brand new home, I’m sure she’s looking down with shock and regret because no one, not even the devil and certainly not my mom who was an angel, could have anticipated how badly this has gone.
Yes, some progress has happened, work was started 9 months ago after all, but you tell me – is this 9 months work of work?