The insurance Company sent their adjuster over and he said the house was a total loss. they would issue us a check for the value of the covered amount. I found a guy from St George, KS that would take the carcass of the house as an even trade on hauling it away. Last time I drove through St. George it was still there and he was living in it. Good deal for both of us. The only good thing about having a tornado rather than a fire was I was able to rebuild using the existing foundation and plumbing up to the ground level. I figured I saved about $10,000 when you also throw in the landscaping. I would include fencing in that but some son of a bitch stole the fencing I had collected up. In a way the tornado did us a favor by not blowing the house apart. Most of our stuff was there but not where it was. The fridge moved across the kitchen and slammed into the cabinets on the far side. It scrambled the contents and made recovery a lot more cleaning than replacing. I had an old dresser that I had bought for about $10.00 and it split like a hog on ice when one side of the rollers wouldn't roll and the other side did. The insurance Comp[any paid me $100.00 to have it fixed and I did it with some pipe clamps and a bottle of Elmer's glue. I spent less than $5.00 on the repair.
|Gone but not forgotten|
My sister was a real estate agent in Topeka and had a customer that needed a tenant in a newly purchased rental property to finish closing. It was heaven sent as there were a lot of us in the same boat. The new location was fine for us and Barb taught school at the same school Dave attended. We spent the next month trying to find out the details so we could start rebuilding We added 6 inch walls and kept the same floor plan. The only real addition was a bunker on the south side so we could be sure the house was not going to ever fall on us again. The State wrote that plan up and it is one of their hand guides for people that want a shelter. We built a sun room on the top of the concrete bunker and it was a great place to sit and read the Sunday paper on Sunny days.
|1st step was to put the house up on rails.|
I guess another thing I should mention is for those of you that really don't understand the insurance racket. The insurance company we had used the depreciation method to replace the interior of the house. Thank god a lot of what we had was only slightly damaged and not destroyed. I recommend you have replacement value on the contents. Get a digital camera and take pictures from the middle of each room in the house and put that card in a safety deposit box or at least a fire proof safe. Send a cop to your brother or sister for safe keeping but take the damn pictures. You cannot imagine having to figure out the stuff in a total loss scenario.
Let me tell you that I don't ever want to go through that again but in the end the fact that my family survived and we all are doing well in the aftermath is a blessing. We only lived in the rebuilt hose another few years and found property out here in the country and got to rebuild the dream house we will probably live in until we die.
Have a great week