Nevermind coal in our stockings – we got a letter in the mail on Christmas Eve telling us our homeowners insurance policy was being canceled.
Merry Christmas to you too, Met Life.
I guess I shouldn’t be surprised, but I was. They did the inspection over a month ago. No agent called with concerns, so I thought we were in the clear. Instead, they’ve let us know they’re cancelling the policy on January 22nd. The reasons they gave are as follows:
- Presence of knob and tube wiring
- Overall condition and maintenance of the house
- Crumbling chimney and foundation
- Paint peeling on back annex & broken window needs replacing
I tried to argue our case, but the rep said there is no way they will insure us until the knob and tube wiring is completely replaced. This means the whole house would need to be rewired in less than a month.
I’m working on getting a policy through a different company – even if we do get the wiring done, I don’t want to be involved with Met anymore. Teague called up an electrician friend who is coming by the house on Wednesday to give us an estimate. I don’t know if we can afford to rewire the house right now, all at once like that….. our original plan was to do it little by little as we tackled each room. Growl. One more frustrating obstacle……. but, it could be worse, right? We could have been hit by a tsunami.