Sep. 5th, 2006

bobquasit: (dot)
It was a good weekend; friends came over, I barbecued and then ran a RuneQuest scenario that went well enough. But on Monday the basement was flooded.

We've had problems with the main drain line blocking up every six to ten months. Roots grow into it, and we have to call the plumbers to power-snake it clear. So once again we called. But this time things didn't work out well.

We've always known that it was possible that the main drain line itself could break or collapse. If it does, we're not sure what that will mean; in part that depends on where the break is. Here are the possibilities:

1. It could break between our house and the sidewalk, on (under) our property.

2. It could break under the sidewalk or street, in which case we believe it's on city land.

In either case, the pipe would have to be dug out and replaced. We weren't sure what the cost would be, but we were sure it would be very, very high - more than we could pay for.

But would we be liable for the repairs if the break was on city property? Would insurance pay for some or all of the repairs on our property? We don't know. So now I'm waiting for a plumber to come out with a camera to take a look at the break, and we're also waiting for a call for our insurance agent. They covered the repairs in our basement when the main drain line trap shattered and had to be replaced; maybe they'll cover this, although it's probably in our front yard rather than actually under the house. But right now, we just don't know.

The plumber who came out yesterday thinks that the break is 10-12 feet out, which places it in our front yard. His guess is that the pipe has a break and that there's a pretty severe offset - in other words, part of the pipe has shifted inside the ground, and the two parts of pipe don't line up. He was able to get the snake cable itself through the hole, but not any of the attachments on the end of it. That means that what was normally a 4-inch pipe is now effectively less than 1 inch.

LATER - I was stopped in the middle of writing this by the arrival of the plumber with the camera. He took color video (!) down the pipe. It's not quite what I expected, but it's not good.

The portion of the pipe that extends out from the foundation is rotted out, and the bottom is simply gone. A huge mass of roots have grown into the area, almost totally blocking the pipe. Fortunately the damaged area is limited, since the rest of the pipe is clay rather than cast iron; it's clear all the way out to the sewer. But the broken pipe will need to be dug out and replaced.

It looks as if our insurance will cover almost all of the cost, which is good because we don't have a spare $3,000.00. More when I know it.
bobquasit: (dot)
It was a good weekend; friends came over, I barbecued and then ran a RuneQuest scenario that went well enough. But on Monday the basement was flooded.

We've had problems with the main drain line blocking up every six to ten months. Roots grow into it, and we have to call the plumbers to power-snake it clear. So once again we called. But this time things didn't work out well.

We've always known that it was possible that the main drain line itself could break or collapse. If it does, we're not sure what that will mean; in part that depends on where the break is. Here are the possibilities:

1. It could break between our house and the sidewalk, on (under) our property.

2. It could break under the sidewalk or street, in which case we believe it's on city land.

In either case, the pipe would have to be dug out and replaced. We weren't sure what the cost would be, but we were sure it would be very, very high - more than we could pay for.

But would we be liable for the repairs if the break was on city property? Would insurance pay for some or all of the repairs on our property? We don't know. So now I'm waiting for a plumber to come out with a camera to take a look at the break, and we're also waiting for a call for our insurance agent. They covered the repairs in our basement when the main drain line trap shattered and had to be replaced; maybe they'll cover this, although it's probably in our front yard rather than actually under the house. But right now, we just don't know.

The plumber who came out yesterday thinks that the break is 10-12 feet out, which places it in our front yard. His guess is that the pipe has a break and that there's a pretty severe offset - in other words, part of the pipe has shifted inside the ground, and the two parts of pipe don't line up. He was able to get the snake cable itself through the hole, but not any of the attachments on the end of it. That means that what was normally a 4-inch pipe is now effectively less than 1 inch.

LATER - I was stopped in the middle of writing this by the arrival of the plumber with the camera. He took color video (!) down the pipe. It's not quite what I expected, but it's not good.

The portion of the pipe that extends out from the foundation is rotted out, and the bottom is simply gone. A huge mass of roots have grown into the area, almost totally blocking the pipe. Fortunately the damaged area is limited, since the rest of the pipe is clay rather than cast iron; it's clear all the way out to the sewer. But the broken pipe will need to be dug out and replaced.

It looks as if our insurance will cover almost all of the cost, which is good because we don't have a spare $3,000.00. More when I know it.
bobquasit: (Default)
Allstate won't cover ANY of the cost. Given their track record in New Orleans, I suppose I shouldn't be surprised.

They quoted the policy, and it sounds as if they covered themselved well.

I don't know what we're going to do now.
bobquasit: (Default)
Allstate won't cover ANY of the cost. Given their track record in New Orleans, I suppose I shouldn't be surprised.

They quoted the policy, and it sounds as if they covered themselved well.

I don't know what we're going to do now.

Options

Sep. 5th, 2006 04:30 pm
bobquasit: (dot)
Here are our options:

1. Pray that the drain doesn't block up until we get $3,000.00. That will be...you fucking guessed it...next year, because it's going to take ALL our tax refund (and my annual bonus, if any). Translation: I've lost another fucking year of my life.

2. Borrow the money. A three-year loan for the amount will be hellishly hard to cope with, but we might just manage it.

3. There is no other option. We hope we get lucky and make it long enough for the cost to wipe out everything we were going to get next year - the money that would finally have given us a cushion, kept us from being literally hand-to-mouth - or I take out a loan and we tighten our belts even more, if that's possible.

I can't think about this any more.

At Teri's request I have deleted my final sentence, which expressed what I hope happens to every single person at Allstate. In any case, we'll cancel our policy with them as soon as possible, and after that I will never do business with them again - and, of course, I urge anyone looking for any sort of insurance to avoid Allstate like the plague.

I should have Googled it: Allstate Sucks

Options

Sep. 5th, 2006 04:30 pm
bobquasit: (dot)
Here are our options:

1. Pray that the drain doesn't block up until we get $3,000.00. That will be...you fucking guessed it...next year, because it's going to take ALL our tax refund (and my annual bonus, if any). Translation: I've lost another fucking year of my life.

2. Borrow the money. A three-year loan for the amount will be hellishly hard to cope with, but we might just manage it.

3. There is no other option. We hope we get lucky and make it long enough for the cost to wipe out everything we were going to get next year - the money that would finally have given us a cushion, kept us from being literally hand-to-mouth - or I take out a loan and we tighten our belts even more, if that's possible.

I can't think about this any more.

At Teri's request I have deleted my final sentence, which expressed what I hope happens to every single person at Allstate. In any case, we'll cancel our policy with them as soon as possible, and after that I will never do business with them again - and, of course, I urge anyone looking for any sort of insurance to avoid Allstate like the plague.

I should have Googled it: Allstate Sucks

Why

Sep. 5th, 2006 09:41 pm
bobquasit: (blank)
I just...I know this is ridiculous, that's there's no meaning behind this, but I just want to know why this keeps happening.

Ten months ago our furnace died and our car suddenly developed an $800 problem. Now this. I've been living without any goddamned luxuries for years, and I'm used to it (and by luxuries I mean things like coffee, CDs, DVDs, and books). Hell, I don't even CARE any more - I no longer remember what it was like to be able to buy a DVD on impulse, or actually at all without using a gift card that someone gave me. But that means I have nothing left to give up - every remaining thing I've got (like this LiveJournal account), all of that together would only add up to less than $150.

Per year.

Total.

We were five months away from paying off the goddamned car and finally, maybe, getting some breathing room. This just killed any hope of that. I can't tell you how tired I am of this shit hammering us, over and over and over and over.

And now I'm fucking whining about it here. There's no point.

Why

Sep. 5th, 2006 09:41 pm
bobquasit: (blank)
I just...I know this is ridiculous, that's there's no meaning behind this, but I just want to know why this keeps happening.

Ten months ago our furnace died and our car suddenly developed an $800 problem. Now this. I've been living without any goddamned luxuries for years, and I'm used to it (and by luxuries I mean things like coffee, CDs, DVDs, and books). Hell, I don't even CARE any more - I no longer remember what it was like to be able to buy a DVD on impulse, or actually at all without using a gift card that someone gave me. But that means I have nothing left to give up - every remaining thing I've got (like this LiveJournal account), all of that together would only add up to less than $150.

Per year.

Total.

We were five months away from paying off the goddamned car and finally, maybe, getting some breathing room. This just killed any hope of that. I can't tell you how tired I am of this shit hammering us, over and over and over and over.

And now I'm fucking whining about it here. There's no point.

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