Life’s like a yo-yo. It goes up, comes down, goes up, etc. It was “up” when my Bad Neighbor moved to Arizona. Then came last Friday…
Picture this. I’m sitting reading the newspaper at my dining room table when the doorbell rings. It’s the neighbor on the other side of the neighbor who moved out of state. (Four town homes are attached.) Anyway, he’s in a highly excited state. It seems when he was backing out to go to work, he noticed that the empty townhouse between ours had its garage door open and water was pouring out! Not good. He urged me outside to look in the front window. Even worse! I could see that a portion of their living room ceiling had come down! After getting permission from the Realtor, he and I got into the house through the garage to look for the source of the water, which we could hear running.. Entering the basement bedroom was like entering a rain forest, water dripping down and our feet squishing in the carpet. We ran upstairs, past the first floor, which had ceiling stuff all over the floor and parts of the ceiling still coming down. Zipped up to the upstairs hall bathroom – nothing. Checked the master bath, where it sounded like the shower was on. It wasn’t. The stool hadn’t overflowed either. Just to be doing something, the neighbor turned off the valve to the toilet, and the water STOPPED. Total quiet except for the existing dripping.
Leaving the place was like wandering through a disaster movie. As I mentioned before, they had left all their furniture until the house sold. When we were looking for the main water shutoff in the basement, we discovered they left clothes in the closet, as well. Everything was a sodden mess. We went over to check my place, because it was my shared wall, but my living room and bedrooms on that wall all seemed dry. That was an “Up.”
When I was leaving for an appointment about twenty minutes later, I entered my garage, only to discover that the corner of my garage ceiling was soaking wet and had run down the wall. Definitely a “Down.”
The Realtor got a water restoration company right out, and they, too, checked my upstairs and found it fine. They said, the garage needed to be taken care of immediately, because the insulation was most likely wet and could cause mold. They could get started on it right away. I only needed to sign a little document.. Of course, you already know what the document said. It was agreeing that I would pay for anything insurance didn’t cover. When I asked how much that would be, they couldn’t say. Instead I put a fan on it and waited. The Realtor said she would have the Bad Neighbor in Arizona ask her insurance guy about this. Judging from the woman’s behavior in the past, I seriously doubted she’d bend over backwards to make things right. On the other hand, I wasn’t about to make a claim with MY insurance and pay a deductible for something I didn’t cause. Definitely another “down.”
Here I’m going to compress the story a bit. Finally the Realtor, who is really a nice lady who is being used by the Bad Neighbor to do all the dirty work, left a message for me with the claim number and the insurance company’s telephone number. I called to determine the protocol of these things, and talked to a really nice man who was going to report my claim to the liability department. Before he did, however, he explained to me the law in my state regarding situations like this. What an eyeopener! In Missouri, if water from your house damages an adjoining structure, you are not responsible for that damage unless it can be proven that you were somehow negligent. How fair is that? In other words, if you forget that you were running bath water, leave the house and it causes damage to your neighbor, you are responsible. But, as in this case, if a pipe just spontaneously bursts, causing harm to your neighbor’s structure – no worries! For them. Worries for me. Another “down.”
Rather than call their liability department, I called the woman who headed the water restoration team to tell her I wouldn’t be using their services, but thanked her for her concern. And she DID seemed concerned, but understood what a crappy position I was in. She said she’d be over in twenty minutes because she wanted to check the moisture levels in my ceiling again to see if they had dried a bit. She and a colleague checked, and the moisture meter practically screamed in a section one foot wide by six feet long. She suggested that I get a handy man to cut that part of the drywall ceiling out so that the wet insulation could be removed. She said they could do it, but that they were really expensive. I asked if they would mark it for me, which they did. They were totally nice and absolutely not pushy. When I thanked her for this extra effort, she said, “Well, I could tell you were ‘good people.'” Wow. An “up!”
So here I was, needing to find someone who could do this work immediately, someone honest who wasn’t afraid of hard work or getting dirty. I needed someone who could cut through that ceiling, which wouldn’t be easy, and pull out that soaked insulation, which would be nasty. Someone I could rely on. Fortunately, I knew just the person! I went upstairs to change into my “Workman Star” uniform.
Not a bad job for an amateur, huh? When I finished, I was hot and dirty and tired, but I was also proud.
You might be wondering why I didn’t decide to fight with her insurance company…Well, first of all, even if I eventually got them to pay for it, which I probably wouldn’t have, it would have been too late. Even when I pulled out that insulation three days later, it was starting to smell. And second of all, I’m at a phase in my life when I choose my battles carefully. If it had been something bigger – maybe. I just decided to opt out of the stress.
So yes, the yo-yo had some downs. But look at all the “ups.” (1) It could have been so much worse. (2) I met some really nice people who bent over backwards to help me just because they cared. And, (3) I proved to myself once again that I’m pretty darned self-sufficient. Everything is dried out now and ready for some nice new fresh insulation.
So even though this situation might have been shocking, unfair, and a bit frustrating, I’m going to choose to declare it a win – for ME.