Insurance Insurance, Starting the Process, Work by feel, Sad sounds

I think I mentioned in the past the ridiculous increase of my homeowners insurance for the upcoming policy year, somewhere in the neighborhood of 25%.  Well I got another letter in the mail from Tower Hill that ticked up my degree of anger a few more clicks.  The letter states that thanks to some organization called the FIGA (Florida Insurance Guaranty Association) my premium will be going up even more.

Basically FIGA is designed to be a safety net for an insurance company that goes insolvent.  Recently St John’s insurance went that way.  So based on this agreement FIGA assumes any outstanding claims of St Johns and assesses policy holder of every solvent insurance company a fee to cover this expense.  So if you run your insurance company poorly, no worries all the other homeowners in the state will prop you up, sigh….

Property insurance in the state is a huge problem for everyone.  It’s so bad I heard they are trying to schedule an emergency session of the state legislature to try to get things under control.  Insurance companies across the board are all reaching for a cash grab at the same time, leaving homeowners little choice but to bend over and take it. There are many contractors that basically advertise they are willing to commit insurance fraud on your behalf.  It’s this type of abuse of the system that hurts the rest of the population that isn’t looking to deceive for personal gain.

I reached out to have someone give me an estimate for window replacement next week.  The windows in the house are low quality and non-impact rated.  A couple of them have broken internals that don’t allow them to stay open or in some cases open at all.  The house does not have a ton of windows so I am hoping the quote I get is not too heart attack inducing.  I do plan to get several estimates to weigh against one another. I scheduled it for next week because I scheduled another week long staycation.

I am not sure why this popped into my head recently but it did.  I was thinking about how despite my being very analytical in some regards, much of my life is done by feel.  I have often talked about how many of my projects were fluid in nature with plans that were not on paper but in my head and subject to constant change based on feel.  When I meet certain people I quickly get a feel for them.  With my most recent hire for our department, even though she was only the second person I interviewed, I almost immediately knew she would be a great fit, because I felt it.  Hell even when I was an avid bowler growing up, I did it on feel. Instead of utilizing the arrows on the lane that were maybe 10 feet away to aim your ball I always looked right at the foul line when bowling.  I knew how the shot was supposed to feel coming off my hand.

Of course there have been times in my life where my tendency to act based on feel has not always served me well.  It can lead to impulsiveness or just poor end results as some situations deserve more examination than just acting on a feeling.  As I said I’m not sure why this thought tangent was even present but it was, so here it is.

Last night I took Sadie back to Ali’s place.  They weren’t back yet from their flight so I dropped her off.  Elsa was disappointed that Ali and Shugs were not home.  I didn’t get up there to drop her off until almost 9PM because of running around the house tending to tasks.  By the time Elsa and I returned we were ready to hit the sack.

I may be imparting my feelings onto my interpretation of how Kathy has been since Fiona died, leaving her solo, but to me, her little noises she makes when I am out there sound sadder.  When I was at the bar Saturday night I was going to turn off the coop light remotely, I figured Kathy would already be on the perch but I checked the inside Ring cam.  She wasn’t there.  I checked other cams and saw her standing by the front fence, staring in at the house, despite it being dusk.  I immediately felt sad, thinking she was waiting for me to come out to put her to bed.