View From My Window

Wednesday, September 21, 2022 — Some days, it’s just too much stress to deal with. It’s going to be a moment by moment day today.

09/21/2022 Some things run as expected.

Opening yesterday’s mail I found a letter from our previous homeowner’s insurance broker, along with a letter from our previous homeowner’s insurance company. It seems the insurance company hadn’t received their premium. Well, we’d changed homeowner’s insurance companies last month, so I knew they weren’t going to be receiving another premium. I never gave it a thought that they wouldn’t be notified when our insurance company changed.

I had questions, so I called our insurance broker. I got my company names mixed up so there was a major misinterpretation that on for almost an hour of calling and trying to talk to people. I was finally informed that I needed to contact the prior insurance company to cancel the insurance. Did anyone tell me this when we changed insurance companies? No. Did I ever have to do this before? No. Apparently, it’s a HEPPA law now. The law that is supposed to help keep our medical and financial records private also prevents us from being assisted. My husband’s name was the only one on the policy and the representative said she needed to have him tell her she could discuss the policy with me. He happened to be unavailable so she asked me to write an e-mail to cancel the policy.

Such a simple situation, but it was complicated by the fact that the companies I tried to contact only served their customers with telephone trees. And, my mortgage company, Wells Fargo, was the worst of them all. They actually disconnected the call after saying they were sorry I was having trouble entering the correct option. Really??? I knew I didn’t like them when I had a checking and savings account with them. They have our mortgage because it was sold to them (without our knowledge/permission).

We’ve become too modern for our own good. All I’m hearing these days is that there are more jobs available than there are people willing to fill them. Yet my nephew called last night to say he’d lost one of his part time jobs because he isn’t vaccinated. I asked him why he wasn’t vaccinated and he said he tried to get his vaccinations some time ago but had a violent reaction to the vaccine–coming down with a COVID-like reaction that was really severe. His doctor told him to not try to get vaccinated as it was too dangerous for him. So now, in the wake of all the variations of COVID, more and more companies aren’t making allowances for instances like my nephew’s where he can’t be safely vaccinated. Needless to say, employment opportunities for him and others in the same situation are limited. I would hope that there is some drive to make an allowance for people in this situation. It seems really wrong, if not discriminatory.

I’m off my soapbox for the day. I hope everyone has a blessed day today. I’ve sent my e-mail to change the homeowner’s insurance so hopefully that is one positive thing to be put on the list for today. One thing at a time–one day at a time, and possibly, even one moment at a time. When life gets to be too much, break it down and take it a bit at a time. Take care. Be sure to tell those you love that you love them.

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About tehachap

Happily married and retired, my hobbies are quilting, reading and anything to do with trains (watching, photographing and running them in our G scale garden railroad). My husband and I have truly enjoyed our retirement, and have fulfilled one of our primary goals in life and that is to own a home overlooking train tracks so we can watch trains 24/7. We are sincerely blessed in this life.
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17 Responses to View From My Window

  1. Dan Antion says:

    I seem to recall a time when a new insurance company would notify the previous company. I hope your nephew has better luck soon.

    Liked by 1 person

    • tehachap says:

      Me too… which is why I was shocked that the information didn’t get related as it should have been. And yes, I hope he gets a job soon. I feel for him–his parents are gone, grandparents are gone; estranged from his only brother and has limited friends. No idea why as we’ve never been that close until now.

      Liked by 1 person

  2. It seems that just about everything has gotten more complicated as things are automated for our “convenience.” I’m sorry you had to go through this but I hope it’s all straightened out now.

    Liked by 1 person

  3. tehachap says:

    I hope so too… it’s always difficult when I have to tell people over the phone that my husband has Alzheimer’s and no longer handles our finances. More than this, he’s not usually agreeable when he has to speak on the phone–it’s stressful for him and causes him anxiety. Then I get to live with his moodiness afterwards. :/

    Like

  4. dkzody says:

    Glad that the trains didn’t stop running. That was a scary moment. Both rail tracks had trains stopped on all tracks last week at this time. Blocked streets every way I went.

    Liked by 1 person

    • tehachap says:

      Wow… didn’t realize it was that close to a full on strike. Our eldest’s crew was abolished the other day so he’s adrift until he signs on with another crew. He’ll find something quite easily, having friends all over the place and 25+ years seniority. Plus, he can do most anything required to maintain the tracks, including operating all of the equipment. Glad they averted the strike. It would have been almost the final straw for our economy.

      Liked by 1 person

      • dkzody says:

        I couldn’t imagine the country without trains abs to see those trains just sitting in the tracks, blocking the roads, made it very real. If all of the crews just walked away from those trains, it woujd devastate cities, communities, and bring the nation to its knees. I’m so glad the government stepped in.

        Liked by 1 person

  5. 67andgood says:

    I’m sorry you had such a hard time with the insurance. It used to be if you didn’t pay your premium, you were automatically cancelled. Guess that isn’t done anymore. I do hope you get a chance to relax. So much detail on things that should be easy. It seems like the new insurance company would have notified your broker or someone by now.
    You should probably have your name on all legal documents in case of unknown changes in your life.

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    • tehachap says:

      I agree. I didn’t realize my name wasn’t on the homeowner’s insurance–it should have been, and it should have been shown the same as it is on our title insurance. Someone goofed! Part of the problem in dealing with things like this is that companies no longer employ people to answer the phones. That used to be the hallmark of a really popular company–they had people behind their phone lines instead of computers and telephone call trees.

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      • Cop Car says:

        I’m thinking that we are now required to make notifications ourselves because of the unscrupulous companies that switched us without our permission (I forget what they called that practice.) By having us do our own cancellations, we are more protected from such scams – and, yes, it is inconvenient.

        I’m sorry that having your husband validate you to those with whom you do business doesn’t work better. Fortunately (knock on wood), so far my own husband is a bit more amenable.

        As to your eldest: I am not a lawyer nor a human resources person nor any other sort of person who should know, but I should think that an inability to take COVID-19 vaccination might be seen as a disability issue for which a company would be required to make reasonable accommodation????

        Liked by 1 person

        • tehachap says:

          He’s actually my ‘nephew’ (son of a cousin), but in discussing the situation with our older son (who works for the railroad), he says that companies are no longer required to make sure everyone is vaccinated so “S” shouldn’t have any problem with the fact he’s not vaccinated.

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        • Cop Car says:

          I had written nephew, then looked

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        • tehachap says:

          Just an FYI … saw a post on Facebook from my nephew–he has a new job as a skydiving instructor at a nearby airport! Happiness is!

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        • Cop Car says:

          For some reason, my last comment displays only the first part of what I thought I wrote. I had apologized for my mistake and thanked you for the correction.
          As to your nephew’s being a skydiving instructor: great! Does he also live in the Tehachapi area? I used to fly into your airport on occasion, but all of my skydiving (4 jumps – wow!) was in Kansas.

          Liked by 1 person

  6. Ellen Abbott says:

    Sorry for your trouble. We don’t have a mortgage, bought the place outright, and the only insurance we carry is flood insurance after the house flooded and it’s required by FEMA if we ever flood again and we want their help. Insurance is a scam, a protection racket. I have never heard of anyone making a claim that wan’t denied outright or they had to fight for reimbursement.

    Liked by 1 person

    • tehachap says:

      Thank you! That’s exactly what I want to do when we sell this place — purchase the next home for cash so we have no mortgage. I don’t know that we’ll need flood insurance because of where the park is located, but will deal with that when we have to.

      Like

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