Tuesday, December 21, 2010

Happy Holidays

Just a quick note to say Happy Holidays to you all and to give you a quick update on the house.

We are now at 7 1/2 weeks since the house first caught fire. I can tell you, it doesn't look much different than it did 7 weeks ago.

All of the drywall has been removed, the studs have been cleaned, and have been sprayed down with this white dusty chemical to lock in the smoke smell. It works pretty well because the house doesn't smell as much like smoke anymore... now it's more of a chemical, kill you in your sleep, kinda smell. Hum... not sure about that tradeoff.

I do have updated pictures that I took with my fancy new camera, however, I have yet to upload them. I'll work on that over Christmas holiday.

I finally got my initial estimate from the insurance for the base of the contents. What that means, is that the initial list covers everything I could remember at the time but there's still lots more to be put on there. I'm happy to be finally getting an initial check and getting that process started.

On the other hand, I have yet to receive a check to get the house rebuilding started. I'm lucky to have contractors who are willing to start without having a check in hand, but my insurance adjuster is just very very slow. I think he's close to retirement and just doesn't care anymore. For those of you that are curious the process for payout goes like this:

1. Get check from insurance for initial amount (of course it may need to be adjusted as the process continues).
2. Sign check and send to mortgage company (they own most of my house, so their name is on it also). Must also submit lots of other paperwork (go figure).
3. Mortgage company pays out 1/3 to contractor to start rebuilding.
4. Inspector goes out, looks at work, approves next 1/3 to be released to contractor.
5. Inspector goes out, looks at work, approves last amount to be released to contractor and/or me.

It is an understandable process, but it just takes a while. Ugh. Hopefully after the new year this can start moving faster.

So that's the update. Fortunately I'll be spending the holidays in PA and won't even have to think about the house. :)


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