Barn Destroyed

wy wh wolf - i will keep that advice in mind

we will have to use some of that wood somehow, someway. it is part of the history...

still no insur. folks

read the policy today, enough to make your head spin :baby04:

the only way they could weasle out of it would be to claim that the barn was deteriorated and that is why the wind leveled it. there were a few rotted beams, but they were no way enough to cause it to go. plus there were 3 other barns that went down that day, at least one of them was a new addition onto an older barn.

the policy said that you need to make a list of everything that was damaged/destroyed showing in detail quantities, costs, actual cash value, and amount of loss claimed. SURRRRRRE, no problem. lol 4 1/2 pages of a steno notebook. and that is Just the list of items. how in the world am i suppose to come up with costs, cash value, and determine what amount to claim. for some reason i thought that was the adjusters job

Jamie

Don't know if your question was rhetorical, but you might want to start by googling the items to see what pops up.

And truly, while it may be the adjuster's job, you probably don't want the insurance company's employee who (no matter how nice and kind and friendly) is mostly concerned with the insurance company's bottom line.

You'd be surprised at the difference in the prices we comped on our Jeep and what the adjuster came up with. We used car dealers in OUR area; the adjuster used dealers in the area from which the car was stolen.

Pony!

Wow,that's terrible. What in the world is going on in Ohio lately? Good grief

Yipes BlueBird - lets hope the insurance adjuster has no way to link your barn to your post #here ... lol

WyWhiteWolf gave you the best advise so far.

Hugs
marlene

__________________
It is the one with persistence and determination that brings great ideas into being.

It has been 2 months of hard work, but dh and I got 'er cleaned up! We did like boleyz suggested and made piles of the various types of wood. The insurance is all settled. Had to point out a couple of things to the homeowners insur. guy that they didn't catch (like the +5% cleanup cost, and the coverage of the untagged, used for the maintenance of the property only snow plow), but they covered that when it was brought to their attention. Both the car and homeowners insurance were fair enough. The cars COULD have been totalled, but dh didn't want the insur. co. to take them so we settled for a bit less. :baby04: We will try and build something (pole barn probably) next year. We will still need to have someone come in and remove the old concrete and prepare the area for something new. BUT done for this year! (it feels so good woohoo! ).

If something like this ever happens to ya here is what I learned: Pray! God has His reasons for everything and ya got to trust Him! I swear he was with me everystep of that cleanup, giving me the energy,strength, and determination I needed to accomplish the task He had set forth for me. I have a history of back problems, but even with all that heavy lifting it never hurt even one day while cleaning that up. You may not have friends and family and community coming out of the woodwork to help you, but HE will be there and that is all you really need! 2- Read your insur. policies (a couple few times!) Know what they are gonna cover and what they won't. 3- go ahead and take lots of pictures and start cleaning up! If you wait for insurance you will be wasting lots of time! lol It will be a while before they show up! WEEKS! and 4- Keep in mind the whole while that it WILL get done! "This too shall pass."

dh has listed the wood on ebay. (We tried the barn salvage place, but I had a bad feeling about the guy. He never would give dh a straight forward offer. dh was gonna let him buy/ take is more like it! the wood anyway, just to be done with it...but I held my ground about it.)

(http://cgi.ebay.com/HAND-HEWN-BARN-B...QQcmdZViewItem)

Thanks everyone for your kind words when all this happened! It sure was appreciated!

Jamie

We had a storm with the high packed winds hit us about 5 weeks ago. It threw three trees into our house roof. It is only now getting around to having it fixed because of the back log of area contractors and roof fixer type people. I can understand your feelings. We had never had an insurance claim before this one either. Our insurance sent an adjuster to us within the first week and he took a look, asked us to get quotes to fix it and then when we got the quotes he went through them and talked the guy down and came to an agreed price.

It was nice though. I got 500 dollars to clean up the trees within the yard. My husband was paid to take the trees off the roof. It overall was a good experience so far but i wish my roof would finally get fixed :P


I considered it all a blessing. We are trying to sell our house but the money we will get will replace some of the things that needed replacing anyways so we will end up ahead in the end! its amazing how even horrible things can be such a blessing

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Farmer Manda
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Today is yesterdays tomorrow

I hope your roof gets fixed soon Farmer Manda! That's why we really tried to be patient about insurance adj. showing up for our barn....we knew there were folks out there that had trees down on their homes and they needed them more than we did!

When all that happened the electric line got yanked hard and pulled the ground to the house off.....it caused two of the lights in the house to blow...dh finally got to replacing those and boy oh boy it is nice to flip the switch in the kitchen and have a light again! You gain a new appreciation for some of the little things LOL

Jamie

I agree, hang onto that wood. The house we purchased and are remodeling was built in the mid-60s using old growth wood. Every trade that has worked on it curse the wood as it is so hard. Take some time and inspect, sort, and stack - you may find you have enough for a couple of rebuilt buildings (or a good start if nothing else).

HappyBlueBird, Just read throught the thread.

DW and I were through something similar in 2004, we were where 3 hurricanes paths crossed in a month ( the center of the X ). Long story short the house got trashed.

It took us 1 1/2 years to get it all back together again. The funny thing is that it made us realize how resourceful we could be. Right after the first storm we were without power for 2 weeks, we survivied even without a generator. We ran from the 2nd storm, but rode out the 3rd and managed to survive ( this time with a generator ).

Even though we were hit hard, when I looked at some of my neighbors, I felt pretty lucky ( roof was damaged and leaked like a sive, but at least it was all there ).

So take heart, it may look bad but it could always be worse. Just keep plugging at it, and thank God that you have an understanding Insurance company and adjusters ( and no I don't work for a insurance company, I just had a good one when I went through all this ).

Bob D. in FL.

A few years ago the front of our barn ( metal ) was destroyed by a big tree falling on it. I didn't touch anything until the insurance adjuster saw it. If you already have cleaned up I hope you took plenty of photos. I did get an estimate from the company that built the barn originally. It cost as much to fix as it cost to build the whole thing in 1984. Luckily we had it insured for replacement value. They had to replace the front with the big doors, one side and the front half of the roof. The insurance also payed for clean up of the tree so maybe they'll pay you for cleanup if you've already done it.

Insurance co allows you to remove ,cleane ,repair any thing that will cause further damage. like a tree through your roof. But common sence and instinct to protect the family will over ride insurance company policy.
I'd salvage all the lumber I could .There is sure a smaller barn in all that wood scrap. maybe two. Wood is very costs a ton of money today. I live in a town in va that was hit by the eye of a hurricane, flooded wind damaged trashed beond belief. It was some thing that made the town stronger neighbor helped neighbor. We all got through it and now after a few years there is still some work being done but the town is back to the drama it once had maybe even more so. Every one has forgotten the damage and moved on

We did salvage all the wood that was good from the barn. We have stacks of the hand hewn beams, 5x6 and 4x4 support beams that are just really super nice pieces of wood - solid! All the siding, all the log rafters, all the oak planks that went over the rafters that the roof was then nailed to, some oak boards that are like 4" thick (they sure don't make lumber like that any more)...we even saved the 2x4s from the newer section of the barn. If it was still in good shape we saved it! You can see them in the ebay pictures. We have to sell it though, clear the area out for something new. Use the money we get from it to help rebuild.
Jamie