I checked my policy and it seemed that I was paying for the extra rider that covered sinkholes.
(I’ll tell you more about those laws and stuff later.)
So I called my insurance company and left a message. I held my breath for a few days waiting for them to return my call. On Monday I realized that I had left the message on Wednesday and it was now Monday and, of course, because of the weekend, that felt like a long time to wait.
I called again and got the same message about please leave a message with your name etc., if you are filling a claim. I searched the insurance company’s website and saw you could have a live “chat” with an agent. I tried that only it kept crashing. I called back and left my information again – telling them this was my second call.
The next day I received an email from an agent saying she had tried to be in contact with me on the chat, but I closed it down too soon. Guess what I found on her email? You betcha – a fax number and now I at least had an email address that appeared to have a person at the other end. I wrote a letter saying I was concerned about my home. Now that I decided it might be a sinkhole and that I needed to act – well, it seemed like there might be some “urgency” to the situation. You hear all the time about sinkholes that “suddenly open up” and swallow a house or two.
I didn’t hear anything the next day so I sent the email and fax again – but on Thursday, a week after my first call, I received a fax, an email, and a phone call from three different people in the company.
It was the phone call that helped the most; the fax said I had no claim entered, the email said I did, and the live person said I didn’t, but she would now get the information she needed. The agent was very apologetic about the glitch that had been causing all her incoming calls to go to voice mail, the glitch that wouldn’t let her open her voice mail, and the glitch that forced her to spend time listening to each call before she could respond to any.
She explained to me that as she had started the claim (per our conversation) I would get a call from a local inspector. He would make an appointment to come out and look at the house to decide if it really was a sinkhole. It seems sometimes it could “just” be your house settling for example. She said I would only have to worry if it wasn’t a sinkhole and the damage I was seeing was caused because my house was built on, say, a garbage heap that had begun compacting through decay and erosion.
I didn’t think I was living on a garbage heap. I did wonder how many more glitches there would be.