The snow is melting fast and it may go up into the 60s F. today. Monday I received the fire claim decision. Due to my studio ( a detached structure) being a place where paintings were produced and then sold through galleries, the homeowners insurance would not cover the removal and replacement of the structure, nor the paintings and painting supplies. Watercraft limit was $1000, so Annie's spars, sails, rigging and cushions were, for the most part, were uncovered. I had failed to read the 'finer points' of our homeowners policy. I hope that others with home-based businesses check their policies closely and avoid this type of situation. I surely would not want anyone to go through this.
On the high side Lingering Lunacy Eddie came by and we commiserated on how to rebuild. Eddie is a very capable architect (as well as a stellar boat builder/sailor) and together we are starting to plan a studio raising for the spring/summer. Many good folks have volunteered to pitch in. I foresee a tent city.
I also talked with John, shipwright and captain of the F.D. Crockett. He has a stash of spruce just right for spars. As soon as I get particulars on Annie's sails we will schedule a time to start ripping and laminating. I'm in good hands.
In the meantime I have been immersing myself in pottery. Taking it out on big lumps of clay. Its helping.
So, you were punished for telling the truth. Not surprising. Makes you wonder why you pay your premiums.
ReplyDeleteSounds like your friends are behind you, which is what really matters.
Typical of insurance companies - we all think we are protected by the 'spirit of the law' but it turns out to be all about the 'letter of the law' and small print that you need both a magnifying glass to read and a lawyer to interpret. My cynicism began long ago (don't get me started) which has meant I haven't insured my 30 foot yacht (except recently 3rd party only, compulsory condition of local Marina Trust) which I estimate has saved me over NZ$50,000 in premiums since 1979.
ReplyDeleteClay is good. So is walking. Spars will be a turning point, I hope.
ReplyDeleteHad my brand new unfinished 30' catamaran smashed by a barge in the small boat harbor after 1 month in the water - over 20 years ago. Just started the repair/rebuild/finishing of it a year or two ago. In the meantime, I'm doing pottery as well. Thinking of doing a blog but not much of a blogger. I do have photos (and we could probably pass for body doubles) at https://www.flickr.com/photos/jdory/
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