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Adventures of a Suburban Kitty: Insurance Companies are Strange

Thursday, June 10, 2010

Insurance Companies are Strange

My furriends, I'm telling you insurance companies are just strange. They pay you not to do stuff. What sense does that make?

The insurance man came for the roof yesterday and to see what else was broken. The roof definitely needs to be replaced. The insurance will also pay for some other stuff the hail (I finally learned what the ice cubes were called) broke that needs to be replaced. He also said there are dents in the gutters that they're going to pay us for. He recommended we don't replace the gutters because the dents don't affect how they work and whoever put them in did a really good job (the gutters, not the dents). They're also going to pay us for dents in the garage door (that Mom can't see). He said don't replace the door, it's not worth doing. Now my furriends, you tell me what sense that makes?

It's good for Mom that we're getting this extra money - it will probably cover the deductible and she's not worried about whether or not she can get the roof fixed anymore. But how much sense does it make to pay people for stuff that doesn't need fixed, even if it is a little banged up? My little kitty brain says if you pay people to fix stuff, they have to fix it. But no, that's not the way it works. They pay you for everything that's broken or dented. You only have to fix stuff that makes the house safe.

They did the same thing with the car. Mom's car used to have a fancy bumper that was low to the ground and got all scraped up. When Mom had it fixed, she had them put on the not fancy bumper that's not so low to the ground. Guess what they paid for? The fancy bumper. Mom is supposed to get a check for the difference between the fancy bumper and the not fancy bumper. I guess it's lucky for us that they did that because the garbage disposal quit working yesterday. I hope nothing else breaks!

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At June 10, 2010 at 5:40 PM , Blogger Brian said...

I agree, that is pretty darn confusing, but that humans fur you!

At June 10, 2010 at 5:44 PM , Blogger Amy and The House of Cats said...

Wow that is crazy - we have never heard of anything like that before! But it is good they are covering everything so your mom doesn't have to worry anymore! That part makes us very happy!

At June 10, 2010 at 5:52 PM , Blogger Inigo Flufflebum and d'Artagnan Rumblepurr said...

I'm so glad it's working out for you my friend! We've been really worried about you, you sounded so down in your post the other day!

At June 10, 2010 at 9:24 PM , Blogger Mariodacat said...

No wonder insurance rates are so high. I'm happy for you tho!

At June 11, 2010 at 10:13 AM , Blogger Cathy Keisha said...

It's better than medical insurance which don't pay for ANYTHING! Glad things are starting to work out for your Mom.

At June 11, 2010 at 12:35 PM , Anonymous Anonymous said...

It's ridiculous! Mom wishes they'd pay her NOT to have to work!

At June 11, 2010 at 5:16 PM , Anonymous Anonymous said...

That's good to know. It means us cats can be help earning the money by denting and scratching and not breaking lots of things. We are very good at that.

At June 12, 2010 at 12:43 AM , Blogger The Indulged Furries said...

Insurance is strange. They pay to fix the damage, but that doesn't mean you have to fix it. Tell your mama to have the roofer take a really good look at the gutters to see how badly they are damaged. Depending on how your roof & gutters are built, it can cost a lot less to replace gutters before the roof is on than it does after the roof is done. But if the gutters are ok, then just use the money for stuff that needs to be fixed.


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