709-218-7927 The Landfall Garden House 60 Canon Bayley Road Bonavista, Newfoundland CANADA A0C 1B0 |
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Tuesday, July 09, 2019
I contact thePersonal 866-989-4754 at 16:23 and speak with Paul (“Dolt?”) with three questions (1) Coverage amount$ (2) Premium drops to $?? When I get rid of the oil/stove and go to baseboard (3) Chimneys, flue, roof my affair?
Paul doesn’t have the answers. Six times has to go to someone else. Says “All we need is the amperage”, and when I ask “That’s it? No problems with the oil/wood?” he trots out the lame “Computer says” story. This firm doesn’t know enough to be able to tell me what the premium will be, nor even to tell me the next question after the “amperage”. Strange, since I have a SouthCoast questionnaire in front of me as I type!
I did not get to discuss the coverage figures: A replacement dwelling here in Bonavista will NOT cost me $180K; The store is NOT worth $45 to me; My personal property would NOT cost $126K to replace. Paul had never heard of high-risk/low-risk, yet both Kims use the terms. Paul’s computer does not, apparently, let him “take out” the wood and oil, even though I tell him that the wood is gone and the oil will be gone. He stumbles to a halt at “Amperage”. He can’t send me anything printed, so this is all hot air. After 45 minutes (mostly on hold) he says that the wiring must be 150Watts. “Watts?” I say, “or Amps”. “Amps!”. Well I’m glad that we got that sorted out. Clickety-click (which he could have done 45 minutes ago) and he says that the premium would drop by only $83 p.a, $11 p.m pro-rated. That is not good enough.
He winds up by saying “I am saving this”, which is quite pointless because I will never have a copy under my eyes. I pour another mug of tea and embark on a mini-plan – to be rid of the Personal by August 4th, or September 4th at the latest. I will do this by dragging contractors in for cash quotes, consulting with SouthCoast, getting a loan from SB to cover whatever it takes to upgrade the board to 150A and do the rest later. Unhooking the oil stove is $250; I can sell the oil. Rewire to 150amps and baseboard heaters and I am DONE!
What does SouthCoast need to know?
Fire Information |
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(1) Distance to nearest hydrant |
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(2) Distance to nearest fire hall |
1 Km |
(3) Monitored fire alarm system |
No |
(4) Number of Fire Extinguishers |
2 |
(5) Number of smoke detectors |
3 (what is the correct answer at $15 each?) |
Property Details |
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(6) Main water shut-off valve type |
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(7) Type of plumbing (pex kitec etc.) |
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(8) Type of foundation |
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(9) Type and age of heating unit |
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(10) Year manufacture water tank |
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(11) |
[37] Why does chimney matter if no stoves exist? |
(12) |
[39] Oil tank GONE |
(13) Preventative measures for sewer backup |
Here then is my mini-project for getting rid of the[IM]Personal
GOAL: To be rid of the Personal by September 4th
Objective |
Deliverable |
Measurement |
Date |
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(1) Consult with Daniel Moody on one issue: All-electric with baseboard heaters. More to follow. |
List of questions to Daniel, confirmation I can go all-electric. |
Every question is answered with a quantitive value |
July 15 |
(2) Get answers to questions above (Wayne Connor) |
List of questions to Wayne, confirmation he can do it, we (me as much as possible) |
Every question is answered with a quantitative value |
July 16 |
(3) Consult with Kim |
Paper submitted; my written notes produced. |
Kim says she could go ahead and get me the lowest rate |
Jul 18 |
(4) Get quote of $60/month from Kim |
Paper estimate from Kim |
Is no greater than $60 per month. |
Jul 23 |
(5) Get quote for (a) rewire to 150?Amps (b) Install baseboard heaters (c) Install 32 EXTRA Outlets |
Issue request to three contractors: Wayne Connor; Andy Lodge; Jerry Russell? |
All three present a hard-copy estimate. A quote would be good, but I can deal with an estimate as long as it is written down. |
July 30 |
(6) To SB for loan, line of credit OR BMOM+CapOne for $8,500) |
Sheila Drake confirms a loan or line of credit can be arranged OR I put all charges on the BMOM (cash-back) |
Yes to L/LIC or go with Credit Cards. Get it DONE! |
August 1st |
(7) Start Work |
Issue written request for work to one contractor. Ask for firm quote based on that. |
Receive firm quote from contractor; pay deposit. Get going. |
Aug 5th |
(8) Apply for policy from Kim |
Policy is issued; |
Kim has all the data she needs at $60/month |
Aug 26 |
(9) Get policy from Kim |
Policy is issued; |
Copy of contract is in my files. |
Aug 29 |
709-218-7927 CPRGreaves@gmail.com Bonavista, Thursday, September 26, 2024 7:30 AM Copyright © 1990-2024 Chris Greaves. All Rights Reserved. |
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