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Pastimes : Where the GIT's are going -- Ignore unavailable to you. Want to Upgrade?

To: mph who wrote (167705)	10/13/2008 3:44:51 AM
From: Naomi	1 Recommendation Read Replies (1) \| Respond to of 225578

Thank you for your information and yes, we will ask the insurance company many questions before deciding to settle with them. I have already started to think of some questions I would like answered and have been told they welcome them. I'm glad we have time to think about these while filling out the contents questionaire. We have received a letter from the State Land Office informing us we can rebuild like same, even repair our pier as our pier permit has a couple more years before it expires, but we have not communicated with them about it. We have also not told our insurance company we are not going to rebuild as we have not been approached about that. We will only have a year to rebuild our home like it originally was constructed and if we don't we'll have to apply for new building permits to change it and wait for them to be approved. That could take a couple of months to receive approval from the State and our City with all the rebuilding going on because of Ike. Our adjuster did tell us after looking at our damage he did not think we would have any problems getting everything covered. I hope he was right. When we see what the insurance will settle for then I think that will really make up our minds for us. We were told by the Adjuster it might take several months to receive our settlement and we do want to see that before we decide anything. I am all for a weekend home just think it might be less stress by doing so in a new location and buying one already constructed and get us back to normal quicker than trying to build one and having a hard time to find someone to build it for us. I just thought of something, I am going to reread our policy as I think I remember reading that the day after Ike hit, it said we do have the right to build on another lot if we so choose without losing any of our rights. I hope I am correct about that cause it surely would make a difference for us in our choice of what to do. Our insurance is with Delta Lloyds of Houston and others have told me they do right by their clients so I am expecting that to happen. Our adjuster told us he had many clients to see while here. His home office is in Chehalis, WA and he drove his surburban all the way down here. I never thought WA had hurricanes at any time and why would they send someone here that far away from our climate to claims adjust if they didn't have hurricane experience? I forgot to ask him that. He did have on cowboy boots and a cowboy hat though and looked like he was a Texan. Maybe he used to live in Texas and had experienced a hurricane before to be picked for adjusting here.