I could use some prayer!

[Twinmom]

Some may have seen my thread a couple of days ago about a 150 year old oak tree falling on my house...trunk alone was over 8,000 lbs! Well, the tree is off the house and we now have a 10 ft hole in the roof, plus holes in the ridge vent, shingles damaged all over the roof and some busted beams. We have interior water damage...falling plaster, busted windows, broken/warped trim and a smelly carpet. We also now have 1/2 of a tree still standing, but standing in such a one-sided, top heavy way that it will likely fall on our neighbor's house in the next storm. Keeping in mind that the tree is nearly 4 stories tall, we have a real problem here!

I could really use some prayer because today when the insurance agent came out, he gave us some bad news. Apparently, they will only fix the most "damaged" part of the roof rather than replace the whole thing (though we have pockets of damage everywhere), they won't replace the carpet because it isn't wet or smelly enough, they won't take down the rest of the tree because they are only responsible for trees actually on the ground (despite the liability and assurances from the tree guy that it is an extreme hazard), AND we've called 5 roofing companies and NONE have shown up. We can't afford to take down the tree (minimum $3,000) and replace the rest of the roof ourselves. (Who knows how much that could be, but it has to be done...tree was so large it actually came all the way over into the front yard when it fell from the back!) Not only do we not have that kind of money sitting around, we are already going into debt to pay for medical care for two of our special needs kiddos...insurance denied on them both, of course. Right now, we are at least $20,000 out of pocket for this year alone on them, mainly on credit cards and a CareCredit acct.

Anyway, I'm stressed, DH is stressed, we are trying to keep our chins up and trust God. Things just look bleak right now. We have been trying so hard to save money...even moved cross country to do so...but we are further in the hole now than ever. I know God has a plan and has our good in mind (for example, said tree did not hit our three boys, who were standing 10 ft from it when it fell! :eek:), but I'm struggling with the financial pressure.

Please pray that we get the coverage we need and that God will show me what He's up to eventually! Or, at the very least, that I can get some much needed sleep sometime this week!

Thanks,

[hmschoolmom22]

prayers coming your way!!

[mamao32001]

I hesitate to even write this but I will...are you tithing? I find when our money is tightest, my release through tithing gives increase. If you already are, of course ignore this part of the post!

I also just want to give you a big hug:grouphug:! I can relate to those types of pressures. Thank God your kids are safe!

[starlashine]

:grouphug:s for all of you. I will pray.

[GSMP]

Praying for you ......:grouphug:

[Twinmom]

Thanks, ladies, for your prayers and encouragement!

[WTMindy]

Some may have seen my thread a couple of days ago about a 150 year old oak tree falling on my house...trunk alone was over 8,000 lbs! Well, the tree is off the house and we now have a 10 ft hole in the roof, plus holes in the ridge vent, shingles damaged all over the roof and some busted beams. We have interior water damage...falling plaster, busted windows, broken/warped trim and a smelly carpet. We also now have 1/2 of a tree still standing, but standing in such a one-sided, top heavy way that it will likely fall on our neighbor's house in the next storm. Keeping in mind that the tree is nearly 4 stories tall, we have a real problem here!

I could really use some prayer because today when the insurance agent came out, he gave us some bad news. Apparently, they will only fix the most "damaged" part of the roof rather than replace the whole thing (though we have pockets of damage everywhere), they won't replace the carpet because it isn't wet or smelly enough, they won't take down the rest of the tree because they are only responsible for trees actually on the ground (despite the liability and assurances from the tree guy that it is an extreme hazard), AND we've called 5 roofing companies and NONE have shown up. We can't afford to take down the tree (minimum $3,000) and replace the rest of the roof ourselves. (Who knows how much that could be, but it has to be done...tree was so large it actually came all the way over into the front yard when it fell from the back!) Not only do we not have that kind of money sitting around, we are already going into debt to pay for medical care for two of our special needs kiddos...insurance denied on them both, of course. Right now, we are at least $20,000 out of pocket for this year alone on them, mainly on credit cards and a CareCredit acct.

Anyway, I'm stressed, DH is stressed, we are trying to keep our chins up and trust God. Things just look bleak right now. We have been trying so hard to save money...even moved cross country to do so...but we are further in the hole now than ever. I know God has a plan and has our good in mind (for example, said tree did not hit our three boys, who were standing 10 ft from it when it fell! :eek:), but I'm struggling with the financial pressure.

Please pray that we get the coverage we need and that God will show me what He's up to eventually! Or, at the very least, that I can get some much needed sleep sometime this week!

Thanks,

Oh, I'm so sorry!!!! I'm praying for you now.

[Vicki]

Praying.
God bless,
Vicki

[Dana in OR]

((((Jennifer)))) I hope you can fight with the insurance company to get them to cover more - how in their right minds can they deny so much coverage when there is clearly damage and danger?

I will absolutely keep you and your family in prayer.

:grouphug:
Dana

[Tammyla]

:grouphug:Prayers

[Robin Hood]

((((Jennifer)))) I hope you can fight with the insurance company to get them to cover more - how in their right minds can they deny so much coverage when there is clearly damage and danger?

I will absolutely keep you and your family in prayer.

:grouphug:
Dana


I, too, think you should investigate. Insurance companies do not want to pay out. Is there some sort of insurance commissioner in OR where you can find out your rights and to make sure that the terminology is explained correctly? You did pay in and I hope you get more out of it than you've been told. I'll keep you in my prayers.

[Twinmom]

Robin, I'm going to wait to pass final judgement on the adjuster until after his actual quotes come in. Right now, I am going only on what he had to say this morning when he came out...and, nice guy though he was, he was very discouraging as to what would be covered. However, in his defense (partially, though I don't feel like defending him!), he didn't even go up on the roof so possibly couldn't see the extent of the damage. The roof is too steep and too damaged to climb, so we gave him all the pics that the tree guys took and sent him home to look them over. Maybe he'll be more sympathetic when he takes a look! I will fight him to the death over that blasted tree, though. If it were to fall, it would take out my neighbor's master bedroom, where she is currently housing her newborn baby boy!

Please keep on praying, ladies. I can use it now more than ever. DH finally broke under the stress and we had a big ole fight. It was just awful....we never, ever fight. I did my best to calm everything down but eventually couldn't stop crying. He was really upset about that, so I left the house...leaving him with all the kiddos. I'm currently hiding out across town, wondering when I should head back home. This is SO not like us.

[Jennifer in MI]

:grouphug::grouphug:

I'm so sorry you are going through this. I'll pray that the insurance company will pay. And, that you and your dh will be able to come together and be even stronger on the other side of this mess.

But, if it ends up that they won't, are there people from your church who could help? Is there someone who would take the tree down for free? Or, maybe for lunch or dinner? Is there a roofer who would help you out with that? Is there a business owner who could offer you a discount or even free carpet? This is the kind of thing churches should be helping out with!!!

:grouphug:

[Twinmom]

Thanks, Jennifer. Some of those things might be a possibility, but we have a small church in a small town. I know they'd all want to help, but might not be able to. I cannot see any way that the tree removal could be free. It will require professionals and a crane to remove, as it is nearly 4 stories high and the base of the trunk is between 8-10 ft across per the tree company. And, I don't know anyone who could repair the roof for free...maybe a discount, but not free. The jobs are too big and expensive to impose.

I'm sure God will help us work it out. He's never abandoned us in the past, even with much worse situations! I do hope, however, that DH and I will make it through tonight without another fight. That one, I'm not so sure about. :crying:

[Sahamamama]

((((Jennifer)))) I hope you can fight with the insurance company to get them to cover more.

:iagree: I agree with Dana, although I realize that you are already stressed out enough with everything that's happened. Lots of adjustments, lots of responsibilities and pressures. Even so, it seems from reading your post that your insurance agent is trying to get the company off lightly, and if it were me, I would APPEAL. Read your policy, read the part about appealing the insurance company's decisions about settlements. I would appeal this, in writing, with photos, and include an "impact statement," if necessary. I realize that an insurance agent is looking at the situation from a "purely business" perspective, but where's the compassion? Your three boys were nearly killed, your house is a mess, where's the empathy?

Also, when you get this whole thing sorted out and really settled, I would change to a different insurance company. You can't find one worse that what you already have.

:grouphug::grouphug: and prayers. Hang in there, Twin Mom!

P.S. Aren't twins great! :D:D

[Robin Hood]

Robin, I'm going to wait to pass final judgement on the adjuster until after his actual quotes come in. Right now, I am going only on what he had to say this morning when he came out...

Maybe he'll be more sympathetic when he takes a look! I will fight him to the death over that blasted tree, though. If it were to fall, it would take out my neighbor's master bedroom, where she is currently housing her newborn baby boy!

Please keep on praying, ladies. I can use it now more than ever. DH finally broke under the stress and we had a big ole fight. It was just awful....we never, ever fight. I did my best to calm everything down but eventually couldn't stop crying. He was really upset about that, so I left the house...leaving him with all the kiddos. I'm currently hiding out across town, wondering when I should head back home. This is SO not like us.


Waiting is good. I didn't realize that it was just this morning that you received your 1st review. Hopefully, like doctors and we've had to deal with, they give the worst case senerio and after that all that, anything looks good and hopeful. Maybe they'll come through. I am so sorry about the conflicts that are happening.

I am praying for your situation. I hope it passes quickly.