DobbyIsMySpiritAnimal
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This was the size of the hail five hours after the storm.
The hail broke a window in our screened room. At least it was only one!
And none of the windows in the main part of the house broke, so that's good
And made a new skylight in our bird feeder!
We have to get all new siding now, as well as roofing on both the barn and the house
At least our insurance is covering most of it!
It also destroyed mom's flower gardens
She's a huge gardener, and her flowers are her pride and joy. Living up north with a relatively short growing season, there will more than likely not be enough time for any of it to grow back before it gets cold again.
And my parents' flourishing vegetable garden
It was my parents' first veggie garden in almost a decade, and it was coming along beautifully. Now it's all gone
But the biggest problem is all the dents on our camper
It wouldn't seem like a big deal, except apparently according to some stupid law written in a few years ago, despite the fact that there was no structural or functional damage done at all to the camper, the insurance company will consider it totaled and take it away from us whether we want them to or not. Camping is our life in the summer, and it will be awful to lose it. We would be more than happy to continue camping with it, dents or not, and I know a lot of people who wouldn't think twice to use it as long as there was nothing else wrong with it (which there isn't), so I don't know why the government seems to think it's a lost cause.
Sorry about all the ranting! I know it could have been a lot worse. This storm just came out of nowhere and took us all by surprise, and I wanted to vent my frustration, mainly about losing our camper. That was my childhood since I was about nine years old, so it's really depressing to think we won't have that anymore.
OutOfContextPuns
Broken puppets for sale. No strings attached.
ialwaysdootrotties
i hope you;re insured
iFavoriteNSWFstuffButtAlsoOtherStuff
NOOOO NOT THE VEGGIES
DobbyIsMySpiritAnimal
Tl;dr Storm took a shit on our house and now our camper is being taken away because of it
wouldratherbefishing
Nodak?
BikesBaconBoobsBourbon
Hi, many insurance companies will allow you to buy back totaled property for a reduced value and still give you a check for the value
E7018
Tulsa?
Messyart
You'd think two hundred years living there might make people see the benefits of decent building materials.
ahhngelahhhhh
The insurance company can't take something away from you... Don't file a claim on the camper. Thus, it isn't the insurance company's problem
TheLivinLegend
That's a hail of a lot of damage
theelvesoflothlorien
Someone had to say it!
Straulin
With a car, the insurance will total it out but you can reduce your payout by the salvage value and keep it.
theelvesoflothlorien
Depends on the insurance company actually.
DobbyIsMySpiritAnimal
You guys brought up my pathetic status of "neutral" to the slightly-better-but-still-fucking-depressing status of "accepted!" I love you all
sharkb8tt
I'm sorry about the insurance... Its because people charge so much more to take out each dent, so it would be cheaper to replace. It sucks..
uptaco
That's very unfortunate. But, using a camper or RV isn't camping. Try a tent, friend. - Ron Swanson
DobbyIsMySpiritAnimal
After this, we may have to!
smithsmithson
A tent? Hell, he probably builds a new cabin every time he goes camping
gavmar
Could you just file a claim on everything except the camper, or is it under home owners insurance?
DobbyIsMySpiritAnimal
Home owners insurance, I believe
theelvesoflothlorien
You can tell them to back that part out again, it's up to you.
IAmNotAWitch
How are the cars?
DobbyIsMySpiritAnimal
No one was home at the time, and none of the cars got hit by the hail, so that's a relief!
IAmNotAWitch
Well that's fortunate!
theelvesoflothlorien
So you're claiming through FEMA? Not sure why - if this is your homeowner's insurance you can tell them you're not filing on the camper.
sharkb8tt
This is true! Home and camper are different insurance. Camper is auto. (in America at least)
ahhngelahhhhh
Wondering this myself.
theelvesoflothlorien
AFAIK, FEMA only does the flood insurance, not hail damage. Maybe OP doesn't know the details?
ahhngelahhhhh
I'm thinking so. The only way you have government insurance is if you've had so many claims that regular companies won't take you. (1/2)
ahhngelahhhhh
And that's usually only auto from my understanding/if I'm remembering correctly. (2/2)
theelvesoflothlorien
Didn't even know there was an option for auto ins. through the gov. That should be eliminated. IMO of course. FEMA does administer flood ins
ahhngelahhhhh
It's one of those dumb necessary things because people. AM traffic, I see a guy paging thru a notebook. PM traffic, guess who hits me?