Saturday, 26 February 2011

Insurance

Having got two different insurance policies, or is it three, because the House and Contents policy, where payment is made to one company seems to be administered by two companies, I actually phoned our other insurer;the Emergencies insurer. They were wonderful. A man arrived today and reassured us that the wasps nests were redundant, and that there was no life in them. He removed the nests, though he said that may be tempting fate for a return of wasps in the spring. The wasps never return to an old wasp nest, but they will return to a place with appeal that my home has being made of wood shingle tiles. The opening now left that they got into before, could become another nest!
When a roof fell in during heavy rain last year we used our 3 insurers to deal with the matter of a leaking roof -or the two insurers! We phoned the one company that we paid and they said we are not fully covered because we do not have contents cover-then they checked and realised we did have it-after three weeks. Communication was appalling, nothing was resolved for weeks and the two subcontracted insurers never liaised. We phoned our emergency insurers and they came and gave us some temporary arrangements-within 12 hours. The temporary cover had to last for ages, as the rain came down, and the two other insurers did not do anything. Then the roof collapsed well and truly and it was far worse. In the end an independent assessor had to make things happen! And it still took weeks- 6 months in fact, before everything was sorted out. Because of the delays things actually got worse and more expensive.

Anyway the wasps nests are sorted, and our flat roof extension is now all sorted too! The timing of this saga has been virtually twinned with my hospitalisation and surgery, and the recovery. The wasps hopefully bring the negatives to an end and some optimism for the year. Maybe I will work out the sort of the work I can do in the future too, as going back to teaching will be very difficult, as it is a physical job with carrying, moving about, bending-a lot, standing and walking, and it is in a very big campus, a massive one with far too many doors, loads of rooms and three blocks that are only connected on the ground floors.

And England won!

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