I'm putting this here because everything is so much harder, it seems, when you're a senior..!
On Thursday, just before everyone took off for the Fourth, my bathroom exploded. This was just after someone sent my mailbox flying down the street. My cats and dog were already nervous wrecks from all the explosions, and I wasn't doing much better than them. The mailbox immediately got pushed to the back of the priority scale and I dug in to deal with the bathroom. First thing we did was took what little money we had and rented a hotel room for the night. Should say our SS checks weren't due to come in til the 8th of July... so we, of course, were sailing on very little money in the account, and had already pushing the credit cards to what felt comfortable. I was a basket case. The first plumbing co we called was talking multiple thousands of dollars and I had no idea where that was going to come from! First, they said a cleaning crew would have to do their thing before they'd even touch it. None of this was going to happen until Monday. That means lots of trips to 7-11, a few miles a way, every day. I've said before what a wonderful insurance office I have with State Farm here in town. Today, I called them first thing and explained the outline of everything. She had me come down to the office to talk to me, in depth, to see what we could do vs what we have to do. I've got the first "have to do" down in the basement right now. He's getting a clean up estimate so I can give it to my ins agent. Estimate came in at $50 less than my deductible. But clean up could be done today. Plumbing, probably would have to be tomorrow.
I'm going crazy, but I'm being guided by a really good person in my agent, and also by a really close friend. If I make it through this, it will be because of them. I just have to figure out where I come up with $3600 now!
= new reply since forum marked as read
Breathe...deeply!
Check with your insurance agent to see if they offer service line interruption. It should cover from your water meter into your home & all sewage related issues out to the sewer.
I have State Farm & it was about $240/yr, but it has a $500 deductible & pays up to $10k!
My home is about 50 yrs old, as are all thd homes in my neighborhood. Went outside one day & neihhbor had a plumbing truck there & thdy were digging around. The next day, heavy eqpt was digging up ths yard! Neighbor later told me his sewer line collapsed. Yikes!
So I called ins agent. They could only add this rider at annual renewal, but it is now in place, thankfully!
Some years ago, a fridnd's septic line froze (Chgo region) & toilet became a poop fountain, spewing everywhere. What a mess! Fortunately, their ins covered it, but they had to live in apt while hardwood floors, etc. Were replaced.
I hope you can get some help, V! Hugs to you. 💞
Oh no! I hope he can fix sump!