So tomorrow the insurance adjuster arrives to assess the flood damage done by Tropical Storm Debby and let us know whether or not it is check/cash/money/moolah/payout worthy. Hopefully the man will be like “You are right and we owe you money as a valued customer and so here’s a large floppy take your picture next to it check for 100,000 dollars!” and confetti falls from the sky.
Reality: “Sorry to tell ya ma’am but this here aint covered by your policy but here’s a 20 spot for yer troubles. Oh and I clogged your toilet. Have a nice day.”
Should I be really concerned that my insurance company won’t pay up? What is the norm? Laughter and pointing or just doing the right thing for the homeowner and paying out?