The last of the black mold has been removed from the attic and the area was all treated, so I just need to transfer $782 from the emergency fund to pay the credit card and that part of the black mold disaster is over and we can decide whether or not it is worth it to submit a claim to the insurance or not. The new policy starts April 1st and the rates went up $200, so it will not cost $1000 a year instead of $800. The year before that they were $600. Way to go Washington state insurance commissioner, looking out for the people, as always.
There has never been a claim submitted on this homeowner's insurance in all the decades my mom has had it, but we just know they will jack the premiums to kingdom come if we put in a claim. So we need to figure out if it will be worth it. So far, the costs have been close to $6000, but the insurance may not pay the $850 for the dumpster rental, so maybe $4550.
Then there will be the cost of replacing the bathroom that was torn out and they will pay the minimum they can get away with, so it will probably be the cheapest sink, cabinet, shower/tub, walls, paint, flooring, toilet, light fixture, door, water resistant drywall, etc. on the market they will reimburse, not what we will actually spend on it. We can't actually put a shower/tub combo in, because the house was built around the original one and you can't fit one through the doorway, even with the door and frame off.
So we will have to do a tile shower that runs the area the old combo was in, because the way the space is set up, you can't put in a corner shower and get into it without blocking the toilet the one way or climbing over the toilet to get into the shower the other way. It is a small bathroom. And if we put it in straight, we'd have to build a wall, making the shower area two narrow for a fiberglass one and also being right up against the toilet, which violates building codes. A tile shower will be better in keeping mold at bay anyway. I don't know if they will pay for any tile, and definitely they won't pay for the price of the tile we want, but anything towards it would be good.
Then they will want to know why we can't use the old toilet and the old sink. Which we could use the old sink, but the cabinet that held it was infected with mold, so we'd have to get a custom made cabinet which would cost more than a new sink and regular cabinet. And the toilet needed to be replaced, so we might be out on that one. But they had to cut up the shower/tub to get it out.
I'd say if they will pay $8,000 or so then it is worth it for the claim, but otherwise, probably not. There is $1000 deductible, so we are out that regardless. I am hoping to cash flow some of this. I don't want to run the emergency fund into the ground. I'd be happy to get the bathroom finished enough to have the the flooring, sink, and toilet in, and the walls painted, and then we can use it while we wait on the shower until we have the money to start working on that.
This was really not the way I wanted to start out the new year. It's not all bad, though. My son had his sinus surgery and it went way better than the doctor expected. The doctor had thought that at the most he would have a 40% tops improvement in his breathing, but he wouldn't know until he got in there.
Well, when he got in there, though, there was a lot more cartilege to work with than he thought and he was able to repair the collapse with that and barely had to use any artifical cartilege at all. They didn't even have to pack it. The doctor is confident that he should see somewhere from 90 to 100% improvement.
Tomorrow will be one week out and even though his nose is still swollen, he is breathing so much better. He can take the tape off tomorrow. We won't know if it has changed the shape of his nose or not until all the swelling goes down, but the doctor seemed to think it would just make him symmetrical again. We go back in another 3 weeks for a follow up, and since it will be his birthday we will stop at the Red Lobster on the way home for his birthday dinner. It'll be the first time I've set foot in a restuarant in...well, I can't even remember when. I need to remember to put that in the next budget.