Living with a Mess

A few weeks ago our home insurer sent out an adjuster to look at our buckled tile floor; he poked around and said "I don't know what caused it; we'll have to get a structural engineer to look at it."

Let me translate that for you; what he meant was "I'm going to deny your claim, but I'll send a guy to make the determination I want who is an expert, just in case you try to sue us."

I know, I'm cynical; we went through the same thing after a hail storm damaged our roof. We're prepared to have our claim denied, and intend to fix the tile ourselves so we can just live with it. It's a matter of spacing out renovations so we don't have to take too much money out of our IRAs at once; this for tax reasons. This year we need to replace our very old and still damaged roof; next year we'll replace the floor.

Anyway, the structural engineer the insurance company hired to deny our claim hasn't shown up yet. We can't fix the floor until he does.

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Rayen

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