As for our care of Ryan, yesterday’s storm was uneventful. Except for the lights flickering two or three times, the power stayed on. That’s not to say we didn’t have issues. The roof began leaking and I had to go up into the attic to slow it as best I could. I also determined it’s an exterior problem so there was no way to fix it from within. To deal with the rain making its way in, I punched a hole in the upstairs’ ceiling (so it wouldn’t puddle in the rafters) and put a huge tub under the leak. There was nothing left to do but call my insurance and file my first-ever homeowner claim.
Already this morning they called me back. That’s impressive. What’s not so impressive is all the reasons I was told why they might not cover the claim. When I hung up I was actually wondering what would need to happen for any related claim to be covered. It’s not that I didn’t ask. I did. But, for all the agent’s knowledge of what’s not covered, the opposite was true of what is covered. The best I could get is that an adjuster would need to come out (in a few days) and make a determination. In effect, I’m screwed. So, I’m bracing myself for a huge repair bill.
This storm gave me an understanding of what we’re up against if we ever did get pounded and lose power, drinkable water, communications, and so on. We are prepared, yes, but not to the extent I felt 100% comfortable. Having the ability to easily bug out is not viable. For Ryan’s safety we must be able to “shelter-in-place” for an extended period. I now see why hospitals fill-up so quickly during severe weather events. We are fortunate to have caring people always ready to help, but what about those who are alone? I worry about them.
For us, I’m not just talking about the loss of electrical power or drinking water either. For one, how would we keep up with laundry? Even more, this gets seriously complicated with all the medications and care items Ryan needs. For example, we rely on delivery services (USPS, FedEx, and UPS) to get his supplies and some medications to us; what would we do if they suspend services or are delayed in delivery? Sure, we try to inventory what we can, but insurance doesn’t let us have much of a buffer. It’s common to receive supplies a day or two before (and even occasionally the same day) we run out.
I need to get to work on figuring this out.