Not much new going on here. I am still fighting w/ the insurance company.

I have also never seen so much RED TAPE before in my life. Even gov. forms are easier than this!!!!!
Here's how we have to get money from the insurance carrier....
1. Actually get a competent adjustor out here to PROPERLY evaluate the damage.
2. Get a detailed report from adjustor and a check stating exactly how much and what they will pay for. But, mind you, it is only made out for about 80% of the actual total value of the items lost/damaged. The remaining 20% stays w/ the insurance company til you get the work done.
3. Take said check (which is made out to us and our mortgage company) and turn it over to the mortgage company. Mortgage company will now only cut a check for the items after you get an estimate from a contractor and THE WORK IS COMPLETED!!!

4. I ask you what contractor will do work for you and then WAIT to get paid weeks after the work is complete???? They are also asking for money down. So out comes our credit card but only for small items as we don't even have enough credit for things like the roof, siding, windows, etc.

WTH???
5. Once the work is performed and completed, submit 1 bill to insurance company for 20% of payment while also sending the same bill to mortgage company for 80% of payment. Sit here and wait to get paid back.
6. Continually argue with insurance carrier because they did such a crappy job the first time estimating total damage. See if any of this makes you laugh...(or cry in my case)
We had 3 windows broken or badly damaged. They said they would pay for 1 window and gave us a total of $169 for said window.

ARE YOU SERIOUS???? $169 will barely pay for the glass let alone the frame and labor.
They only allowed for 3 sides of the house to be resided. Umm...what about the holes in the other side??? They want the contractor to piece together the 4th side.

Seriously????
$6.39 to sand and restain window ledge (inside house) which received major water damage and now is black and smells of rotting wood.
I think I feel my stomach problems coming back.
