Where Common Sense Does Not Apply

We met with the insurance adjuster today. Apparently this is one area that common sense just does not apply. When we first talked about demo-ing the 2nd floor and roof, I wondered how the walls would stand with no roof to support them. Common sense told me they would fall, and as it turns out common sense was right. The dining room wall (pictured here on the right side) is leaning out but even after meeting with the adjuster today, we did not get approval to tear it down, just to remove the drywall so they can see if it's structurally sound. I say if it needs to be braced from the other side to keep it from falling into the neighbors house, it isn't structurally sound but then again, I've come to that conclusion using common sense and we now know for certain, it does not apply.

So after our meeting today, nothing has changed. The poor demo guys have to continue carefully stripping the house to the moldy framing so that the engineer can write a report and Allstate can the decide if the house needs to be completely scraped. Meanwhile we have been informed of what our mold policy says. Not sure why it matters. Our sofa is being replaced by the fire insurance because it was damaged by water in an effort put out the fire. In the same way, mold is in our house because of damaged caused by the water to put out the fire. So...fire insurance should cover it, right? Oh no, wait, there I go using common sense again!

The good news is the answer wasn't no, the bad news is, more waiting and more $ coming out of our benefit and timing ticking away from our reimbursement on living expenses - oh well this is the game we are being forced to play so I guess we'll have to play. I can't help but wonder though, what if everyone refused to play, would the game change?

Here is a link to some more of our new interior. When I was in college my final project was based on a style of Architecture called Deconstructionism, it reminds me a little of that project only the project was way cooler.

http://www.kodakgallery.com/ShareLanding.action?c=19l58mqd.8jgr4iw1&x=0&y=fg992g&localeid=en_US&cm_mmc=site_email-_-site_share-_-core-_-view_photos_button