The Insurance Thing is NOT Finished After All

SUMMARY: Insurance companies are not your friends.

I finally received my final check from the insurance company a week or so ago and started looking more seriously at cameras and lenses. But wait--my annual renewal notice just arrived--

I'm trying hard not to be brokenhearted, but really-- Travelers Insurance pays me $1400 for a $2500 loss and now my premium goes up by $350/year for the next 5 years? This = $1750! How can this be right? Thought I could maybe afford a replacement camera but guess I can't. Have to save the insurance money to pay insurance premiums.

The lady on the phone was sympathetic but explained, "We're insuring you for a total loss of your home, not smaller losses." She said that (a) I lose the no-loss discount AND (b) I get a penalty for making a claim! Isn't that double jeopardy?

I haven't made any kind of claim in maybe 25 years. And this was someone ELSE breaking into my car, committing a crime against me! And *I'm* paying a penalty?

It is true that my policy says that I get a discount, but it doesn't in fact say how much, nor does it spell out a penalty for making a claim. So I had NO CLUE that it would cost me that much--and in fact it never occurred to me to ask (doh! you'd think at my age I should think of these things with insurance companies)--but it bothers me immensely that the insurance person with whom I dealt never even hinted that it would cost me more in the long run than I would ever get out of the claim.

Here's the catch--now no one else (so far with a couple of samples) wants to insure me except at about twice that much because--ka-ching!--I made a claim! For an amount less than 2 years of premiums!

Today I feel more violated than when the original break-in occurred. Then, I cried a bit here and there. Sometimes these random acts of evil fall on your doorstep and what can you do. Today, I bawled my heart out. Then threw up. Then found that I couldn't do anything for about an hour and a half after the [long] conversation with the insurance company. Couldn't read. Couldn't work. Couldn't think. Couldn't blog. Nothing. Shaking. Betrayed. Stunned. Angry. Shocked. Hopes for a new camera dashed. This is not a random act of evil; this is a systematic, institutionalized screwing of customers.

The other thing that really hurts is--I spent SO many hours getting the claim processed, for which I will never be reimbursed. And now I have to spend more hours checking with other insurance companies and/or trying to get this claim removed from the record, if that's at all possible. Hours for which I will also not be reimbursed.

And no camera. I don't know what I'm going to do. I'm sure I'll think of something eventually.

THANK YOU SO MUCH TRAVELERS INSURANCE. Funny that just last night I was commenting to my renter that Consumer Reports rated them the lowest in customer satisfaction for homeowners insurance, and I said I wasn't sure why, mostly I was satisfied with how they handled my claim. Today--well.

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Updates

SUMMARY: Random things, agility, blog, life, and a Boost shocker.

• Still waiting for my final insurance check from the MUTT MVR break-in. I think they said that they have 60 days to "conclude their investigation" or something like that. THEN I can go camera shopping.
• Boost just gave me quite a shock--because she gave herself one! She was lying there quietly next to my desk, chewing on a stick, when she suddenly yelped and leaped away, tail down, to hide under the desk. I looked--and she had given up on the stick and had switched to the end of my extension cord, for crying out loud! That thing has been there all winter for my heater to plug into. Why now? Isn't that supposed to be a puppy kind of thing, not a 4-year-old dog kind of thing? Jeez, Boost! Well, maybe that taught her--
• I try to keep my "Complete Archive of Posts" (link under Archives on the right side) but sometimes forget. Just updated from May through today.
• I also forget to update my "Complete list of labels" (link at bottom of each post). Just updated for the last year! Ooops!
• Maybe I'll get around to updating the photo album sometime soon, too.
• In this post, I uploaded actual digital versions of the photos rather than scanned from the prints. They look better; thanks again, Erika.
• In this post, I added a couple of other clarifying comments in [square brackets].
• Updated this post with the course map of the course in my yard that I was using last week (just now got my updated CourseDesigner activation code).
• I just realized that Tika has now competed in 7 Performance tournament events (3 each Steeplechase and Grand Prix, 1 DAM Team) and has qualified in every single one of them--AND placed 1st, 2nd, or 3rd in all except one (competing against 10-20 dogs usually)! How amazing is that? She really likes that 22" jump height!
• My knee held up beautifully all weekend despite my pedometer showing about 8.5 miles covered each of the 3 days, 15 courses walked repeatedly (but not obsessively), and 28 runs with my dogs. So it's not just the activity that sometimes aggravates it; it's got to be how I'm moving it, and I'm suspecting more and more that it's certain kinds of twists, turns, torques, pushes, or pulls.
• Tika looked fine all weekend, and I never even gave her any rimadyl! We middle-aged ladies are hanging in there.
• On the other hand, Tika never gets up into the 6 yards per second range any more, even on jumpers courses, so I know that she's slowing down gradually. This weekend's smooth, lovely jumpers was at just 5.2 yps; winner's time (the amazing World Team tryouts winner Icon) came in at 6.12.

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All the News That's Fit To Blog--Plus Clothing

SUMMARY: Boost jumps and dogwalk and weaves, Tika jumps, flying your dogs, Disneyland, Sylvia Trkman, facebook, insurance--whew! Anything else? Oh, yeah, it's all about the clothing!

• In class last night, Boost hit bars like a new 21-year-old on amphetamines. Argh. I was jumping her at 24", not the 22" that we usually do in class (although often use 24 or 26 at home). Will be doing a private with our instructor this weekend to work on bars.
• Also: Contacts! Last week in class Boost left her dogwalk contact early once and I punished her severely ("Oh! My! What happened!" (lean over and grab her as if to pick her up, and in a low voice:) "You have to stick those contacts! Don't be leaving early!") and all of a sudden she wouldn't blast to the end into 2on/2off but instead stopped halfway into the yellow. I immediately put her back on 2 or 3 times until she got the 2o/2o and rewarded lavishly. This week, first dogwalk, stopped halfway into the yellow. OMG have I broken her perfect dogwalk at age 4 and a half?! Dang sensitive dogs! We repeated the down-ramp part 2 or 3 times until she got it, then rewarded lavishly.
• On the other hand, Boost's weaves were perfect all evening! Even the hard ones!
• Jumped Tika at 24". Have been jumping her at 22" lately, too. She knocked several bars. I have to remember before a USDAA trial where she'll be jumping 26" in a couple of runs to get her back up to 26" probably at least a couple of weeks before the trial with plenty of bar-knocking drills at that height. It's always something!
• Southwest airlines is now accepting small pets in the cabin on a trial basis.
• I'm going to Disneyland! Nov 7-8. Staying with my sister & husby at their favorite place, the Candy Cane Inn, which has a convenient shuttle that I almost never use. Which means I won't be doing my club's (Bay Team's) November CPE. Instead I'll do either the Turlock USDAA right before it or the Turlock CPE a couple of weeks later. Nice to have choices! Disneyland, yayyyyy!
• Sylvia Trkman is coming to the Bay Area to do 4 days of seminars! I can't afford all of them, but signed up for a one-day Masters Handling with Boost and two evenings of tricks as an auditor.
• I'm going to try to get onto the FaceBook brand-new choose-your-username-URL land grab at 9:01 this evening to get my choice! I think I'll go for Ellen.Finch if I can get it; if not, maybe TajMuttHall. What do you think? (You have until 8:30 PDT today to tell me what you think. ;-)) The thing is, I'm mostly taking as friends only people that I really already know in one way or another--e.g., local agility folks, relatives, people I've communicated with in blogland--not the world at large. So my own name might be more appropriate. We'll see...
• Still waiting for the final insurance paperwork to arrive for me to sign and send back to finish the settlement on my auto break-in. They said it went into the mail "late last week or early this week." I haven't gotten it yet. Hm. Starting to look into what camera & lens I can really afford on that settlement. And haven't even started looking for a replacement for my Perfect-For-Everything Coat.

A Few Adventures of The Perfect-For-Everything-Coat

Finding the right replacement coat is crucial because--after all--agility [and everything else] is all about the clothing!

Photo junket at Almaden Quicksilver Park Winter 2009Touristing at Cannery Row Dec 2008Hiking at Big Basin Redwoods Park summer 2008Beterphoto.com seminar at Monterey Bay Aquarium Oct 2008
Flying home from Montreal Sept 2008 (reflected in seat-back TV)

Hiked up Black Mountain Spring 2008
Hunkering down at Grand Canyon May 2008

With Tika, hiking at Truckee March 2008
With Boost at Power Paws Camp 2007 (on back of chair)
With Jake and Top Turkey Team, Nov 2005
Tika's C-ATCH Nov 2005

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Insurance Part 2

SUMMARY: Looks like things will turn out as OK as they can under the circumstances.

Following up on my previous post, I must say that my homeowner's insurance company (Traveler's) has been quite responsive and without giving me any grief about my issues and requests.

When I finally understood how the claim worked, I asked to resubmit the claim differently, and I just got a call that it's OK to do so.

Here's the story, if you want it:

• My deductible is $1000.


• When the agent sat down and added everything up, the total loss came to a bit over $2800. [Sigh--so much!]


• So I'd get a check for $1800, right? Nope.


• The fine print says that, if the claim is over $2500, they give me the depreciated value up front (minus deductible), and then I have 6 months where, as I replace things, they give me a check for the difference between depreciated value and replacement value until we reach the full $1800.


• The depreciated total value is about $1600--actually they were generous with this amount, which was nice on the face of it. So, subtract $1000 deductible, they sent me a check for $600ish. [Follow along: $1000 deductible +$600 given me so far +$1200 they haven't sent me yet]


• They estimated my replacement cost for my camera at around $550 and its depreciated value around $400.


• So, if I go out and buy a camera at $550, do I get a check for another $550 of the unpaid $1200? No. I get a check for $150. ($550-400)


• Likewise, one lens replacement around $350 and depreciated around $200. If I buy a new one for $350, I get another $150. ($350-200)


• So now I've spent $950 and received $900 ($600+$150+150). $50 out of my pocket so far, and they still "owe" me $900.


• How do I get the rest of that $900? Answer: I have to buy replacements for EVERYTHING ON THE LIST--which would cost approximately my deductible ($1000) plus $900--that's the definition of their replacement costs--to get $900 back. In other words, $1000 out of my pocket.


• And, guess what--I don't have $1000 available! Which means I'd never get the rest of that $900 back.

So--I can see where this makes sense if you're talking about one large thing--like maybe--uh--I dunno, your back porch was torn off by a tornado and it costs $2800 to replace it. Well, since you can't go out your back door without your porch, you'll probably be spending that $2800. But to lump a whole bunch of small things together--argh.

But as much as I'd *like* to replace everything I lost, there's no way that I can afford to. I'll have to pick and choose. And if I can't get more of the settlement, then I'd be able to pick and choose almost nothing at all.

Sooo... I asked to resubmit the claim, removing one lens from the claim, which brings the total loss under $2500, so they can send me a check for the full--well--$1500 now, not $1800. But that's better than only $900 or so.

OK, sorry, it's complicated. That's why I didn't quite get it when she explained it on the phone. Got the papers she sent, thought about it, and called back to clarify things.

And so that phone call just now saying it's OK to do it and I'll get a check for the whole $1500ish is such a relief. Although it means I'm "giving up" $300 in claims, still, that means that I don't have to spend $1000 out of my pocket to get any more back. And I'm thankful that they didn't make this hard for me to do. Sigh. Now I'm really glad that the loss wasn't a lot higher, because I'd never have been able to make up the difference.

Guess I have to rethink the high deductible. It makes sense for *building* loss--but for personal property... ugh.

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Insurance

SUMMARY: Settlement for car break-in gets complicated.

I will get money from the insurance company for the things stolen from my car, minus my large deductible. But because the total amount is over a certain limit, they pay me up front only the current cash value (not replacement value) minus the deductible, and then I have 6 months to replace the things, send them my receipts, and get the rest of the replacement value.

I tried to make sure I understood it before we hung up, but now I'm not sure and will have to call her back in the morning. So, let's say that my old camera cost me $400 but its depreciated value is $100. So they send me $100 (plus all similar values for everything else) minus my deductible. If I go out and buy a $600 camera, will they send me the additional $300 or do they apply $500 to the deductible and I still have to go out and buy more until I'm over the deductible? This is a little confusing.

But, yes, the good news is that I will get some money back and, if they don't force me to spend the amount of my deductible (which is large) before I start getting more back, then I'm sort of OK. Won't be able to replace everything by any means. It'll be starting all over accruing camera gear. Even basic little stuff like the remote control, polarizing filter, and lens cleaner start adding up pretty quickly. But if I have to spend the whole deductible amount first and THEN spend more beyond that to get $ back--yikes--I don't have that kind of money!

She's sending me more paperwork with the initial check to clarify everything, and I do have her phone # and email.

I really didn't have in mind spending time researching cameras right at the moment. The one I want is still too expensive--unless I just don't get any lenses for it. (That's a joke...) Sigh.

What I really resent about the jerk who probably spent 30 seconds taking my stuff is that he has taken days and days out of my life--finding info on what was missing, trying to track the original stuff down, talking to assorted folks on the phone about it, reporting it, researching replacements, shopping--on top of the money.

I hope they got what they needed out of it.

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Aftermath

SUMMARY: More on the break-in

So--here is why they never bothered to open the door, which is why they took only the things they could reach through the front passenger window:
("Protected by Chapman vehicle security system".)

It's funny to see that in the remnants of my side window, but not funny in that having the alarm in fact DID probably protect most of the other stuff in my car. I am grateful for that.

The glass company came out and replaced my window--he finished exactly 24 hours after the break-in occurred (within the same 20-minute period), which is a nice symmetry. Just under $200. Much less than my auto deductible, but still a good chunk of change--although I'm trying to keep that in perspective, too; it's not much more than one dog's full entry for an agility weekend, and I write those checks all the time!

Shattering that one window threw glass all the way through my van. Found bits in the far ends of the dogs' crates in the very back of the van. The repair guy vacuumed a lot, and then I spent another half hour vacuuming in even more detail. And every time I turned around, bits of broken glass had reappeared where I had just cleaned. Even big chunks of the safety glass. Which mostly breaks into chunks, but there are tiny shards and slivers among them.

I am truly grateful that the dogs weren't in their crates at the time; I vacuumed up some sharp bits. (Although--would the crated dogs have deterred them? Dunno. No way to know.)

My homeowner's deductible is much larger, but when I actually added up everything that was taken, it was way over the deductible, so I'll get some money back. Not enough to replace everything (because it's minus my deductible). But at least some small comfort. For the 12 or so hours that it took to research my losses, report them on the SJPD web site, report them to the insurance claim adjuster, go dumpster diving, make a flyer and post it in various locations, talk to Kaiser security, and so on and so on. Of course insurance doesn't cover THAT time, either.

Take a last look at my camera, telephoto lens, belt case holding another telephoto, and black and teal all-purpose jacket that I've had for 13 years and hardly shows the wear. It'll be tough to replace that. (Thanks, Steph, for the photo.)

But they didn't get my favorite Pluto Unleashed hat, thank goodness, which was behind the seat (covered with broken glass). Nor my hiking boots, nor my agility cleats, nor cell phone or digital camera, nor any other dog gear, nor the tools I carry for auto repair--All a great relief.

All things considered, I'm not feeling too bad. Concentrating on the "grateful for"s and just holding up a mental "STOP!" sign every time I catch myself thinking "If only..." and either dismissing it or turning it into "what did I learn that I can apply next time." It's tough to do but I think it's working pretty well. Like--oh, well, I do still have my point-and-click camera. And I still have a ton of unsorted, unlableled photos from the last couple of years that I can be working through instead of taking lots more photos with my "real" camera.

And I'll try to be satisfied with the point-and-click for a while. Its quality for tough lighting situations isn't great, but I can get SOME semblance of shots for things like these sunsets--April 20 and last night, after the break-in--which lightened my heart greatly, stopping to admire it--both seen from my car and dashing for the nearest place to pull over and get a photo. Not great, but OK after a little photoshopping.



Whatever gods or physics daemons are responsible for the universe--thanks for making it a beautiful place to live.

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Mixed Blessings

SUMMARY: Sigh.

On Sunday, we had a lovely Mother's Day dinner at my parents' house. I took my camera bag just in case I wanted to take some photos. I picked up my video camera to take it, too, for my sister in Nevada, but decided at the last minute that there was about a zero chance that I'd want to take the time to video something, upload it to the computer, etc., so it stayed on the table by my door.

Today, for the first time in a year, I decided to go work in my company's office about 45 minutes from here instead of at home. To get me into a work-social setting and to help me focus on getting more hours in, because I am very sadly short on available money.

I've been working on this version of this 500-page manual for well over a year. In the process, I have printed 3 versions, but I have also been scribbling change notes and questions--and applying these wonderful colored tags to dozens and dozens of pages. Well, maybe hundreds of pages among the 3 copies. I've been working lately on trying to get all of those changes folded in because I'm tired of staring at 3 copies of the 500-page manual (single-sided) on my desk. Make that 4 copies, because the PREVIOUS version had some handwritten notes about things that were never resolved.

Gads, OK, to go up to Mt. View to work, I had to haul all those with me. Plus my daytimer with all my schedule notes and where I track for my timecard and all that, my nice black leather daytimer that's been with me since 1989, with my name on a blass plaque on the cover.

What on earth to carry all that with? Much too much paper to fit into my document bag. BUT--ta-da!-- I have cleverly saved lots of sturdy bags in the garage, and there were two double-walled Apple Store bags with drawstrings--VERY sturdy for all those papers that I had to haul.

What to wear? Not one of my many $15 flea-market fleeces like I'd wear to agility. To look "dressed up," I donned my very pricey brown "Grand Canyon condors" embroidered fleece, my one souvenir indulgence from my hike last year into the canyon.

I packed up my laptop, too, figuring that it would be easier to transfer files to and from that rather than having to upload to some web site and then download again, but after hauling those heavy bags of paper out to the car, I decided that I really didn't want to haul that heavy computer bag, too, so left it sitting in the chair in my office.

And I hauled all that paper up to mountain view and into the office. When I got there, realized my camera bag was still in the car. But I have this nice lined coat with a black lining; tucked the camera backpack up against the passenger seat and tossed the black-side up coat over it. Looking through the tinted windows, you'd never know it was there.

At lunchtime, I took my wallet out of my purse (left the purse under the jacket, too). Bought my lunch. Tucked the wallet way back under my driver's seat because it was so much easier than digging out my purse, cramming it in there, and rehiding the purse.

Lunch was good, work was good, but those danged hot flashes--stripped off the Grand Canyon fleece.

Just so happens that I have a regular meditation session at 4:00 on Tuesdays down here near where I live. Normally I would just bip over there from home 10 minutes before, stay for that, and come straight home. Here's the dilemma: Leave all my papers at the office, which would prevent me from doing any work at home this evening, or take them home with me, since I've made good progress and am feeling enthused and competent and really need the extra hours of work?

OK, take them with me. I picked up my fleece, put the papers AND my daytimer back into the Apple Store plastic bags, tossed them casually onto the passenger seat in my van, and headed south.

Because I was so far away and going into rush hour, I left there an hour early. But, glory be, traffic was good, so I arrived 25 minutes before the class was to start. Feeling cheerful and like I had accomplished things today, I decided to take a brisk 15-minute walk around the block.

I am practicing being grateful for the following things:
* I didn't take my laptop.
* I didn't have my video camera in the car.
* I tucked my wallet under the driver's seat.
* My cell phone and point-and-shoot digital camera were buried between the seats instead of sitting on the passenger seat as they often do.

Because, 20 minutes later, when I returned from my walk, this is what I found:


Here's what I think happened. The car parked next to me when I first got there was gone. I think that they happened to glance in, saw Apple Store bags sitting right there on the passenger seat, smashed the window, took everything they could reach, tossed it into their car without looking at it, and took off. The alarm didn't go off, because they never bothered to open the door. So they weren't able to search for other stuff. My cell phone and small camera were still there. My wallet was still there. My garage door opener was still there. None of my dog stuff was removed from the back.

They took my nice leather purse (well--OK, it's very old and worn. But sturdy and just the right size and configuration and color and I have no spare change to buy an equivalent).

They took my digital SLR, 3 lenses, doubler, assorted filters, remote control, the flash attachment I'd always wanted, the nice purple backpack that I looked for for a long time to have just the right configuration of pockets (and color). I certainly don't have the money to replace that. So much for my budding career as a photographer.

They took my long, lined teal and black jacket that's my mainstay for anything out of doors--agility, hiking. Don't have anything else equivalent.

They took my Grand Canyon fleece.

And they took months and months worth of work, notes scribbled on thousands of pages in those two white plastic bags, that my brain categorized as "boring papers that no one would be interested in" but someone looking through the window categorized as "probably cool computer stuff from the Apple Store." It doesn't matter how much money I have or what insurance I have. I cannot replace that. I am heartbroken. I have spoken to my company about what to do about the client. Can't really charge them to do the work over again. Can't really afford to pay me to do the work over again without billing the client. Heartbroken is perhaps a mild descriptor for how I feel.

And yet.

It could be so much worse. For example, if they had taken my wallet with my ID and credit cards and ATM card and plenty of cash. For example, if they had taken my garage door opener and known my address. So VERY much worse.

And they didn't damage anything in the car except the window.

And all the other stuff that they didn't take because through sheer luck I didn't HAVE in the car.

Those little decisions worked both for me and against me today.

And yet--I am trying so hard to breathe deeply. Find the muscles tied in knots and relax them. Find somewhere the strength to figure out what to do and do it.

I spent 2 hours dumpster diving afterwards, hoping that maybe they'd pulled into a nearby shopping center or business to see what they got and dumped the papers. Of course--there are zillions of nearby shopping centers, with dozens upon dozens of dumpsters and trash cans in the parking lots. I also went up and down the freeway an exit and checked there. I'm sure I missed lots of places, but I sure did look in a lot of others, hoping I'd find something.

Maybe--maybe--someone will find the bags, with my daytimer in one of them, with my phone number (and address), and will think, "gee, I wonder if this person wants this stuff back?" and will give me a call.

I'm thinking I'll put a notice on craigslist.

I don't know what else to do.

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