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Here we go again

July 25, 2017

I saw a friend today that suggested that I should write a blog post tonight. As if for inspiration, this letter arrived in the mail.



It probably isn’t a surprise that we’ve had difficulty finding an insurance company that will cover the BAB. Companies that provide traditional home owner’s policies, like Flo and the Gecko, are nice on the phone at first, but quickly stop returning our calls.  We can understand their reticence when we start to ponder insurance-y things like ‘replacement cost’ and ‘liability’.

Our creative, intrepid, much appreciated, insurance broker, the company that provides my business with all the policies we need, found the Lloyds of London policy in 2013. We’ve managed to make that work until today. The unperturbed broker is back on the job- everybody loves a good challenge, right? They remain purposely unnamed, however. I’m not sure they are actively seeking out more challenges like this.

Good news: We do have a more insurance-y friendly story to tell this time. Our state historic tax credit application is wrapping up. We can soon (relative term) start on the renovations, including the all-important last bit of the roof. The first insurance company dropped us after doing a site visit. They didn’t appreciate our very intricate system of indoor tarps and buckets.


Mad tarp skills!

It will be a happy day when that last section of roof is finished. And once we get builders lined up, the progress should be much faster (relative term).


4 Comments leave one →
  1. Brian Jones permalink
    July 26, 2017 8:08 am

    What was their reason for cancelling? Did you file a claim? I claimed water damage of $1,700 and State Farm cancelled me. They don’t like paying out.. that’s for sure..

    • Sue permalink*
      July 26, 2017 8:42 am

      We’ve never filed a claim. They haven’t given us a reason, but Lloyd’s is different than other insurance- it is investors betting that we won’t file a claim. If they don’t have investors willing to make that bet, we don’t get coverage.

  2. Nancy permalink
    July 25, 2017 8:28 pm

    My work boots and work gloves stand at the ready. Let me know when you need “woman power” for the roof project. 🙂

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