
Thursday, September 17, 2009
Can't Sleep, Clowns Will Eat Me

Friday, September 4, 2009
Guess What I'm Doing This Labour Day Weekend?
Tuesday, September 1, 2009
The Accidental Gardeners
Sunday, August 23, 2009
(a note on the previous post)
Saturday, August 22, 2009
You Can't Go Home Again (and why would you want to?)
Wednesday, August 19, 2009
Bon Appetit!

BUT, while I've got you, on the subject of Julie & Julia, it's a charming little movie and well worth the exhorbitant price of admission. Nice balance between the two stories, some deliciously over the top acting (there's a scene featuring Child and her sister and you'd think they were Muppets the characterization's so ridiculously animated), interesting chemistry between Tucci and Streep and lovely set decoration. The set for Julie and Eric's apartment had so many elements and bits and pieces that the husband and I own, it almost looked like home. If our home was eclectic and clean, instead of eclectic and on the verge of being condemned for mess.
(On that subject, we got to the movie theatre too early so walked over to the bookstore for a browse before the flick. I picked up an astrology book on a sale table and it opened to a section about Taurus (me) and Cancer (him) and the first sentence was, "Taurus and Cancer will have the tidiest house on the block", a sentence that makes liars out of both of our birth certificates.)
Kara
Tuesday, August 4, 2009
Yo, Noah!

If you’ve ever wondered why our insurance premiums are so high and we get so little for it, I’ll tell you why. It’s because insurance companies waste a lot of money and time and extend those costs to you, the consumer. Listen to this:
I called our insurance and explained the situation but since I was calling after hours, I wasn’t speaking with an insurance agent of any sort, merely a very pleasant operator who couldn’t do anything more than take down my information and tell me not to touch anything and that an adjuster would call the next day and that they’d be sending out a damage restoration contractor soon after. Okay, fine.
Over 2,000 homes in the area were affected, many severely (houses condemned as floodwaters wash out foundation walls, etc), so I was trying to be patient while also creeped out by the amount of wet crap just sitting there, rotting, while I was at work the next day. When I really hadn’t heard anything, I called them. Again, I didn’t talk to an actual insurance adjuster, just a very nice operator who sympathized and told me to just follow the process through and wait for the adjuster to call and the restoration guy to come over. Okay, fine. At this point, I was hoping to find a copy of our policy so that I could read it for myself but that was proving impossible in the oversized hamster nest we call a home office.
However, other than giving me a craving for crawfish etouffe and blackened catfish, I figured living over a swamp was less than optimal for us and decided to begin the clean up a.s.a.p. Fans and dehumidifiers were set up and several loads of laundry were done to save the clothing that had gotten soaked in the flood, and a box of TSP was purchased to help sanitize hard surfaces that had gotten soaked by stormwater (and possibly sewage) that came up the floor drain.
By the time the insurance-company-hired- damage-restoration guy was able to come over on Friday (four days after the first call to the insurance company), the basement was actually looking pretty good. Yes, we’d lost boxes of personal, sentimental papers. Yes, we’d lost about 4 cases of wine. Yes, there were books and cds and dvds and our huge magazine collection (we’re hopeless packrats and great lovers of all things magazine) that were irreparably sodden and destined for the recycle bin and/or landfill (boo!), and yes ,the subfloor was going to have to come out. But, all things considered, it wasn’t bad. The fans and dehumidifiers were doing a great job and the house didn’t smell like beets/cat box any more. I was feeling pretty upbeat and lucky about the whole thing.
So you can imagine my surprise when restoration dude (who, I cannot stress enough, was sent to us by our insurance company) told me that anything that had been touched by stormwater (which likely was about 10 inches in depth during the flooding) would have to be destroyed and that he’d have two guys in to start the job within 30 minutes.
Wha?
In seconds, I went from feeling like a survivor to feeling like a victim. Was the flooding really that serious? Was my home in danger? Was water, at that very moment, threatening the very underpinnings of our home? Were they really going to start demolition that fast? And, more importantly, was this all going to be covered by insurance???
I was assured it was. All of it.
And then I snapped back to my senses and began to question the whole thing. So, restoration dude was going to demolish my entire basement and throw everything out? Oh, hell no. There was something wrong with this picture. Yes, I agreed the subfloors would need to go, absolutely, because they’d probably trapped water beneath them. But what little drywall there is in the basement wasn’t displaying a whole hell of a lot of capillary action water damage and might need, at best, a few inches removed, not a whole two feet or more. And what about the few precious (to me) pieces of furniture that were being temporarily stored down there? I’m not throwing out a Danish modern loveseat from the 60s when all it needs is a little refinishing on the feet. It seemed like a whole hell of a lot of overkill to me.
And, more importantly, I had a feeling this wasn’t going to be covered by insurance. Although no adjuster had actually called to discuss our policy with us during the week, a cursory look at their website indicated that unless you had specifically purchased a special policy to cover water coming up your sewer drain, you weren’t covered. And no one had ever tried to sell me a specific policy to cover water coming up my sewer drain. In fact, I hadn’t known such a thing existed.
So, in the time it took for restoration dude to leave and his crew to arrive, I called the insurance company again. When I finally got through to an actual person, I was told that no, we don’t have sewer back up insurance so none of this demolition would be covered.
Are you $#%@ kidding me?
What makes me crazy about this story is not that we don’t have coverage because chances are we’d never have been able to get it in the first place, as this sort of flooding has been known to happen in our area before. What makes me crazy is this:
- That the insurance company could have saved itself and me AND THE OVERWORKED RESTORATION CREWS a lot of time if they’d just had an adjuster call us and say No, You Don’t Have Coverage For This Type Of Damage, Sorry. Then we would have really gotten into the clean up immediately, instead of only doing the minimum in order to keep things in place for the adjuster to see.
- That the insurance company sent the restoration guy over without checking to see if we were covered by this also means that, had I not been outraged by the waste (see point #3, below) and questioned the process, his crew would have gone ahead and demolished everything and we would have been on the hook for the bill. Without knowing ahead of time how much this kind of work would cost us! Who buys any service without knowing how much it will cost ahead of time?
- That the restoration company was ready to just destroy everything in our basement (I’m presuming this would have included our fully functioning washer, dryer and furnace as they were also touched by storm water) and toss it all, and then invoice their total cost to the insurance company. This makes no sense, given the limited damage we (luckily) suffered. What a waste of money to destroy salvageable items! Yes, there were many basements that were completely decimated by water that rose up to 5 feet in depth, and then stood there a long time before draining – BUT OURS WASN’T ONE OF THEM!
All of this is a huge waste of time and money that eventually trickles down to us, the consumers. We bear the brunt by having to pay increasing premiums for insurance, because the insurers are incurring larger costs by not paying attention to the details. And it’s bred a weird attitude in people, a weird “What does it matter, let insurance pay for it” culture that denies the very fact that in the end we all still pay for it through increased premiums and decreased coverage.
So, take this tale as a warning, gentle reader, or just a reminder to take care of yourself and your belongings by:
a) Finding and reading your home insurance policy, and purchasing extra insurance while you still can
b) Keep valuables of any sort in waterproof containers (or, profit from our loss by purchasing Rubbermaid stock)
c) Never trusting a story that seems too good to be true (What? You’re going to rip out this subfloor that I’ve been planning to remove myself and rebuild it all for me, and insurance will cover it? Hot dog!)
Now, where did I put that crowbar? I’ve got some anger issues to deal with and luckily, there’s some subfloor that needs some attention.
Kara
PS For those who were wondering, the archive of homemade naughty snaps (http://kate-and-kara.blogspot.com/2009/03/treasures-of-home-renovation.html) found during renovations did, in fact, survive the flood. Of course. THOSE were above high water, while my husband's early columns and various other bits were not. Sigh.
Thursday, July 30, 2009
Going to the Chapel.
I lose my nut on the wedding world....but I have hurt my back and have to go put ice on it again.
Kate
Wednesday, July 29, 2009
Let's See How This Goes...
My biggest problem right now is that I have so damn much to blog about that I honestly don't know where to start.
I could talk about how thanks to an activity that one of my children is involved in I get to spend some time every week with the most negative woman in the world. Soul sucking negativity. Everything is a chore and a burden to this woman. The first time I met her she spent a couple of hours telling me every detail of her quest to become a mother. Since that first meeting she has spent every minute of our time together complaining about how hard motherhood is. I am going to make a very real promise to post more often because you will really need to hear all the details when I finally go off my nut and scream " What the fuck did you expect?" at her. And trust me that day is closer that you might think.
( Child #3 just appeared in the doorway to tell me that Child #4 is up from her nap)
I could talk about how if you are going to run a group or activity for children, could you at the very least pretend to like the little rug rats? How about when we arrive at the door for Gluesticks and Glitter Art Camp, I'm not greeted ( and by greeted I mean totally ignored) by a gum chewing teenager, who stands slumped over a table and glares at me and my child. Seriously, this summer we have an activity scheduled every night ( Mon- Fri) at 6pm and every Saturday morning. We have a couple of weeks of day camps and hockey school too. Of course all of these are commitments of our time and our money. So if 6 people have to rush through dinner, and then chug across a rain sodden field to get to mini soccer could you at least introduce yourself, find out who the hell I am and then at least make an attempt to learn my childs name, so you don't accuse her of not listening when you call her Hannah.
I could spend some time bitching about Jennifer Weiner and asking why she gets the big bucks to write books when the last two have had the exact same freaking ending.
( Just so you know, since I started this a few minutes ago, I was told the baby was awake, I have received a request for a drink, a request to start dinner, asked for the 4000th time since 2pm about when the 7pm showing of G-Force starts, and was given one bulletin that the aforementioned baby has made stinky pants)
I am going to go now and deal with my family, but I am making a promise to you that in the next 24 hours you are going to get the " Since When Did Planning a Wedding Get So Weird" post.
I may just include a review of G-Force
( This has nothing to do with anything, but I lost my reading glasses a couple of weeks ago, and read a review of G-Force and thought that it said that that Zack Galifianakadacawhatever guy played a "super-gay guinea pig" instead of a "super-spy guinea pig"
Kate
Unusually Warm & Fuzzy
But the other nice thing about the weekend was the affirmation that old friends are sometimes the best friends. Our annual visit to Chicago is partially about letting me get my fill of burritos as big as swaddled infants (La Pasadita, I heart you) and letting the husband go nuts at Sam's Wine & Liquors (lunchbox let down this time, but we still think American wine stores are like Disneyland for adults) but it's mostly about seeing our friends Jeff and Seann, a pair of fun, intelligent, warm and wonderful people who let us invade their home every summer for a long weekend.
It occurred to me this visit, as Jeff reminded me of some embarrassing aspect of my past, that one of the benefits of being in your mid to late 30s is old friends like him. I've known Jeff for 15 years, and as much as I don't need him to recount the Dreaded Bucket story of 1994, and he doesn't need me to remind him of the time he McGyvered spats out of tape when his middle school marching band was on its way to Comiskey Park and he'd forgotten that essential piece of marching band regalia (this makes my cry with laughter but it would take too long to explain why), as much as neither of us needs to remember this crap from the past, it's awfully nice to have someone around who does remember it. It's awfully nice to have friends who, though they live far away and you only see them once a year at the most, can just pick up the conversation where you left off the last time and keep talking. It's nice to know someone for long enough that they've seen you change from a bewildered-recent-university-graduate to the adult you are now (and vice versa), even if it does mean that the dumb, dumb, DUMB crap you did in your 20s had a witness who is unlikely to let you forget it. But that, in itself, is a benefit. It's good to have people around who won't let you forget who you once were and appreciate who you are now.
I feel like I should wrap this up with some sort of pithy, kick ass conclusion but frankly that's enough Jack Handey-esque warm & fuzzies for today. Suffice to say, old friends are the best friends and La Pasadita burritos are totally worth a nine hour, cross border drive.
Kara