Friday, October 24, 2014

The Insurance Saga Continues - Sort of

As my regular readers know, we recently had some issues with our insurance company.  They threatened to drop us if we didn't get our roof replaced.  When we couldn't get it done by their deadline (which was unreasonable mind you), they did in fact drop us.  I submitted proof of the replacement on the same day they sent us a refund check which meant I then had to send them payment for the rest of our policy year in order to get reinstated.  I'd even gotten a notice saying that our policy was reinstated a couple weeks ago. 

To my horror, when I got the mail today there was a refund check from the insurance company.  My first thought, "Oh no!  They dropped us for good this time."  As soon as I got inside, I called the insurance company and found out that not only had I paid for my insurance policy, so had my mortgage company so the refund was valid.

But.... that meant that my escrow is probably low, so rather than wait for the bank to call me, I gave them a quick call to see how quickly I needed to deposit the check and then send them their payment.  Much to my surprise, I was informed that only a portion of the amount of the refund check needs to be sent to the mortgage company to cover the shortage. It turned out to be only 16.5% of the check in fact.

This particular snafu, meant that rather than my insurance company refunding me the overage in my escrow come March, I got it today.  Wahoo!  Oh, and I also found out my mortgage payment will be going down soon (although only slightly), because our new insurance premium is going down as a result of the new roof.

Sometimes the thing in the mail that you think is scary isn't.  Sometimes it's God helping you out when you need it. 

Wednesday, October 8, 2014

Overdue Updates

A Thing of Beauty
I've been asked about our roof a few times, so let me start off by saying that our homeowners insurance company is no longer breathing down our neck.    Yay!  The metal was installed over a 2 week period (only half of the metal was ordered at first - oops!) and installation was completed about 2 weeks ago.  The same day I submitted the paperwork letting them know it had been completed, they mailed us a refund check - ugh.  Rather than pay them the exact amount of the refund, I was told to wait till we knew what the new rate would be (new roof = discount).  I got that figure earlier this week and paid the insurance company yesterday so we are now good to go.


Front of business card
Back of business card
I also mentioned in an earlier post that I was changing real estate companies.  It's now official (I got my business cards and name tag yesterday), so I am happy to share that I am now working for Sarasota Bay Real Estate!  I also have my own website (KarrieMeHome.com) where you can search for homes in Sarasota, Manatee, and Charlotte Counties of Florida.  One of the really awesome things about this site is that you can set up your own search so that it emails you every time a new home becomes available (and I can see what you've been looking at in case you want to give me a call about a specific house you've seen).  If you want to make an adjustment for some reason, you can do that as well.  This is a wonderful feature I didn't have with my last employer.  Oh, and I can now list homes for sale too!  It's so nice not being restricted by the team I was on before.  And if you are curious... I love my new company!  The people there are wonderful.

Hubby's had some interesting goings-on at work lately too.  A few weeks back he was asked to come in to the weekly management meeting (he's not management).  We thought he was going to get in trouble, but he didn't.  The issue really stemmed from the day guy complaining about hubby fixing things (uh, that's his job) without talking to the day guy first (you want a phone call at 2AM or don't you want the paper to print before you get in at 6AM?).  Upper management gave hubby the okay to keep doing what he's been doing, so we were able to breath a sigh of relief.  In fact the only way the meeting could have gone any better for my hubby was for them to have offered him a raise (from what we understand no one has gotten a raise in 3+ years).  So how surprised were we when last week hubby was called in to work during the day to help the day guy try to fix something he couldn't figure out.  Day guy is almost eligible to retire and claims he knows how to fix everything there.  Guess not.  And how proud was I when they called hubby in because they trusted that he could do it?

As for the kiddos, my son has officially started with his FLL (First Lego League) robotics team.  They have their pre-qualifiying tournament on Nov 22 so they are meeting twice a week for at least 2 hours each day trying to get ready.  Fun times for Mommy and Daddy.

video

This year my daughter is signed up to participate in a mini-horse class.  She meets every other week for 3 hours each time and is learning how to care for a horse as well as how to train it to jump (and maybe pull a small cart later in the year).  She's having a blast.

My daughter walking "her" mini-horse Headliner


Brushing Headliner
We've also gone on a few field trips already this year to a science museum, aquarium, and zoo.

Making a stop animation film

"They are really soft."
So cute
Needless to say, my family is very busy these days.  Especially considering in a couple days we have grandparents coming into town for a week.  We have some fun stuff planned with them, so I'm sure I will have more pictures to share after that.