There is no reason whatsoever to cancel my renter's insurance. I truly believe that someone up in North Carolina saw these pictures when my apartment looked a wreck from the water and damage and taking us 3-4 months to straighten it out. We had maintenance who have never said nor management nor their "maid" say my apartment is inaccessible or it needs cleaned up. We had to quickly move things to higher ground off the floor with flood water filling up my place and maintenance rushing upstairs after coming in here realizing we had a very serious problem. When the adjuster finally came, he didn't know us or our agency coming from NC. We showed him everything and apologized for how it looked and the mildew/mold from them. He leaned on my apartment management heavily and was harassing my assistant manager with calls from my agent. He never once returned to see all the work performed by maintenance or knew that a door leading into my furnace and hot water heater buckled and injured my maintenance man who had to have stitches and be on workman's compensation a week and then back to light duty. We also had a holiday in that time frame. We had been provided for free from my apartment complex the person that needed to close off rooms and seal them shut as mold and mildew was speckled green and black on walls and ceilings. They immediately sent a person to dry up wall to wall carpeting and to use machines to pull up the water from it and the clothes closets. This was NO CHARGE to the insurance company but a freebie. The water had been coming in through my ceiling light in the laundry room...very dangerous and a fire hazard. Having serious asthmatics in our apartment home we never asked for any motel stays. The smell just leeched through under the doors and all though my home. We were coughing as well as guests who couldn;t stand it here. My Siamese cats weren't even safe. My family and I put up with a lot and shut up the same not wanting to take any more than we should and short changed ourselves. WE never bothered or asked about our check for damages and told the adjuster it was up to his discretion what he wanted to give for our damages to clothing mostly suits, dress clothes, shoes, purses, casual clothes, antiques worth $1400, dressy jeans, expensive men and womens t-shirts, a camera, and suitcases to name a few. Y'all know these things add up and are not "hoarding items" when you wear them everyday, special occasions, and vacation, I am blessed to have ":drive-in-closets" in just about every room we have for all our clothing and needs. To receive such a letter as was sent to us had to be someone who saw the pictures BUT NEVER laid foot in our apartment again to see how things looked or was to our satisfaction. How does one make such a judgement call when they never came back? And to be truthful to me does $3000 worth of money seem a lot when it comes to your family's clothes, any accessories, camera, suitcases, men's suits (some cost $200-400 each). I had price tags for them. I had 12 pairs of cowboy boots of mine that cost $150-300 each well kept. I had 15 - 20 cowboy shirts that are special and $30 a piece. I had 12 special umbrellas with ducks heads $15 each bought from a child to a mom over the year as gifts. Other stuff I just threw away and marked it up as a total loss. I told the adjuster I was not going to count anything that I tossed and couldn't prove I owned it or was worth it. I paid for the best policy they had 10 years ago as that's what was sold to me. I faithfully paid premiums for 10 years. Add it up! My washer and dryer fairly new I never included for fear I was costing them too much. The dryer has not dried clothes properly since then taking 2 - 2 1/2 hours to dry a half dryers load, and I add a dry towel to try to dry them quicker. Think about my electric bills! Again, am I or my mom litigious?
Now to her car accident 2 1/2 years ago with none other on her record. I would be glad to provide 10 years and if they provided more I'd include a copy for all you to see if they had 20 or 30 years worth. We are squeakly clean all the way around. Give us any drug or urine tests or FBI checks (use to work out of Washington, DC, having mine and background checked back to childhood with a special security clearance). It was late at night on a major hi way when a car coming off an upper ramp ran and drove her off the road into a guard rail. I had no idea where she was or if alive or dead. This jerk had his record. He then swerved as he was so drunk running into the wall which flipped his car. He climbs out and approaches her to say where is the person? She can't understand what he is talking about. He said a person ran across the highway. She said she was on that highway and nothing was there. A few moments later, his car being in the middle of the road, wasn't seen by this family who ran onto it! Police came and wrote him up for a few things: DUI and history of DUIS., failed the sobriety test,