Tuesday, March 29, 2005

Easter 2005

We flew home to Omaha on Saturday, 26 March 2005 so we could spend some time with our mothers, children and especially our five gorgeous granddaughters. (Hey, we're Grandma & Grandpa, wattaya expect?) We had a great time. we spent Easter Sunday at our son's home. He and his wife will give us GD#6 in late May. Family, Easter Egg Hunt, and great food. Life is good!!

On Tuesday, 29 March, we spent the day at the Henry Doorly Zoo in Omaha, probably one of the best zoos in North America.

Monday, March 28, 2005

Florida/Alabama Update #5

BOB & CAROL’S EXCELLENT ADVENTURES #5

February 1, 2005

Guess I haven't done an update since December 18 and now it's February. This is still coming to you from Mobile, AL. Doesn't look like we'll be finished up anytime soon.

For those of you who might not have kept track, we are now working Hurricane Ivan in the Mobile, AL / Pensacola, FL Panhandle (guess the "panhandle" is in Florida), after working Hurricanes Charley, Frances and Jeanne in the Central Florida (Orlando) area. We're now working "clean-up" which means we're coming behind some very inexperienced (or just plain bad) adjusters (who are no longer here) and the re-inspection requests keep rolling in.

Several of the condos on the beach areas are still closed to residents and many of the condo associations are "gutting" each unit, meaning they're having their contractor remove all the ceilings, walls and flooring (primarily due to the threat of mold). This means it's going to be months before these unit owners can get back in their condo, or rent it to others as that's what many of these condos are for.

Carol has a 12-story condominium which has 72 units in it. I helped her scope it with the association manager and the contractor a week or so ago. It took about 6 hours to walk through the whole place. This association has three policies from three different insurance companies: one for flood, one for wind and one for wind-driven rain.

All in all, though, we still like what we're doing and plan to stick it out a while longer. We do get to "play" once in a great while. We've been to the casinos in Biloxi, MS, a couple of times and usually have Saturday night dinner with our supervisor and a couple of other adjusters. Our main supervisor is from Arizona, another from Montana, and two of our adjuster friends are from Texas.

We did go home for Christmas for a week and had a great time, especially with 4 of our 5 granddaughters!! (Sheri & Greg didn't come back from Chicago this year, so we didn't get to see Lauren.) Got home on Dec. 23 and returned to Mobile on Dec. 30.

Sunday, March 27, 2005

Florida/Alabama Update #4

FLORIDA (& NOW ALABAMA) UPDATE #4

December 18, 2004

It's time for another Florida Update, but this time it's coming from Mobile, Alabama. A lot has happened since my last update. Sorry, but we were so busy in Orlando that I just didn't have the time to do another one.

I think I sent the last Update on Sept. 24 a couple of days before Hurricane Jeanne was rolling our way. We decided not to evacuate this time, but we weren't sure if our 2nd story condo would hold up, so we booked a room at a Holiday Inn near Disney World, thinking that it would be a sound structure with a back-up generator in case power went out. We were a little dismayed when we got there and found we were on the 12th floor (top). We arrived about 6 p.m. Saturday night, Sept. 25 and around midnight Jeanne arrived. The wind howled and it rained sideways for about 14 hours. All day Sunday we were reminded of a howling Midwest blizzard, but without the snow. The patio door to our balcony rattled all the time and we thought it might come down, but it didn't. We didn't have any leaks in our room, but the hallway outside our door sprang a dozen or so. You had to walk around the buckets to get to the elevator. There must have been at least 75 buckets around the main lobby. The hotel was filled with people and dogs (literally). A boxer and a poodle mixed it up in the lobby but the bout was broken up shortly and there was no blood.

The damage from Jeanne was minimal compared to Charley and Frances, but it aggravated the whole situation as many of the tarps blew off allowing more rain to enter houses and more trees came down. There's a lot of confusion as to the number of deductibles these people had. Some companies said they were only applying one while others said each hurricane was a separate event so the deductible would apply for each claim, even though most people hadn't had a chance to have repairs made from the first one or two.

We finished up in Orlando the end of November and thought we might do some tourist things for a few days and then head home. But the folks we work for called and said they needed help in the Mobile, AL/Pensacola, FL panhandle for the damage they had from Hurricane Ivan (which missed Central Florida) so we headed there (here). We checked in at the storm office in Mobile on Friday, Dec. 3 and began work the next day. The hours were 7am to 7pm, 7 days a week!! We are file examiners, reviewing the work of other adjusters, doing re-inspections, and handling supplements. I said the hours "were" 7am to 7p.m because the other day they assigned both of us files to re-inspect, so we no longer go to the office everyday and can set our own hours. We both have files in the Mobile area and the Pensacola, FL area (about 70 miles east of here). These are mostly files where the first adjuster either missed something or the policyholder isn't happy with the first adjuster's estimate. Carol also has some big assignments including an 80-room Ramada and a 5-building golf course. She also has some non-hurricane related files, including a three-unit apartment fire. I've got several high-rise condominiums on the beaches in Pensacola Beach and Destin.

Because of the massive damage in Central Florida from Charley and Frances, all the well-trained adjusters were elsewhere and when Ivan hit the Panhandle, this area had to scrape the bottom of the barrel for adjusters and ended up with lots of rookies and (we're finding) incompetent adjusters who are no longer here. So we're doing what's referred to as "clean-up." We're flying home for Christmas on Dec. 23 and will return here on the 30th. It appears we'll be here for at least a few months and maybe most of next year. Our supervisor told us we can be the last to leave if we want to. We found a very nice furnished one-bedroom apartment in a gated community in a nice area of Mobile, so guess we'll stay with it for a while longer. Won't mind missing the snow and cold for one winter, although it got to 29 here the other night. Our blood has thinned out from being in the heat in Orlando.

We did have a great Thanksgiving. We flew to Columbia, SC, and visited my aunt & uncle, Norma & Tom Thompson and their family. Norma is my dad's sister, the daughter of my grandparents, Robert & Anna Anderson, Anna being the daughter of Han L. & Christine Andersen.

Guess I'd better wrap this up for now. Just wanted to give you all (notice "you'all?) an update of Bob & Carol's Excellent Adventures and of course wish all of you a most happy and blessed Holiday Season. Drop us a note when you get a chance.

Saturday, March 26, 2005

Florida Update #3

FLORIDA UPDATE #3

Sept. 24, 2004

Things have been such a blur since we’ve been in Florida I just haven’t had time to send off another update. There are so many hurricanes this year we’re having a hard time keeping them straight! We arrived in Orlando on 21 August to work Hurricane Charley and were given about 150 houses to look at between us. We’d looked at about 30 when Hurricane Frances threatened. So we packed our computers and files and took off for Georgia, not knowing how far up we’d have to go. When we crossed the FL/GA border we stopped at the GA Tourist Info Center and they said the only place up I-75 that had rooms available was in Macon (Atlanta was completely sold out) and only two hotels had rooms. So we called the Wingate in Macon and drove on up. The total trip (about 325 miles) took 11 hours. Our car computer said we averaged 32 mph, but that was only because there were a few stretches where we could go 70. The rest of the trip was 12-25 mph. We couldn’t get gas in Orlando before we left but were able to get some at an Oasis on the way. We had to wait in line about 45 minutes.

Once in Macon we set up our “office” in our room and were able to complete a few reports on houses we’d seen, but Frances soon visited Macon and knocked out the power in our hotel, so we didn’t get much accomplished.

We returned to Orlando on 8 Sept and the trip took only about 8 hours this time. Once back we had to re-schedule all the appointments we had made before we left. We decided to stay put for Hurricane Ivan. Got a lot of rain and some wind but of course Ivan went on to the panhandle and destroyed Pensacola and parts of Alabama. Many of the Florida and Alabama adjusters here bailed out and went home, so we took over a lot of their files. We have about 15 houses left to see in our initial Charley bunch, but the other day they gave us 78 more files . . . many are still claims from Charley but a lot are Frances claims and they’re north of Apopka. So we’re now covering about a 100 square mile area.

Now we’re keeping an eye on Hurricane Jeane and thinking we may have to vamoose again for a while. A writer in the Orlando newspaper said the Atlantic is hurling hurricanes at us like bowling balls. Guess we picked the right time to go back on the road, but we sure didn’t expect anything like this. The Orlando metro area is beginning to look more cleaned up but there are still many large trees still down and piles of debris all over. Roofers and contractors are so backed up people are being told they can’t get repairs done for 3-6 months. So as you drive through neighborhoods you see all sorts of blue or white tarps on the roofs to cover the missing shingles and exposed decking. The tarps became scarce so people got very creative. We got on one roof and found Sponge Bob and Nemo looking at us. The homeowner had used shower curtains to cover his roof. We drove by another house where the front slope of the roof said in huge letters: BUDWEISER. They had apparently "procured" a Tyvek billboard which had presumably come off a billboard and used it for their roof cover. We can tell that it’s pushing October as the humidity is not so high and the afternoon rains have decreased. We can actually feel a cool breeze in the evenings.

Looks like we’ll be here through October and probably into November and maybe even beyond. There are so many catastrophes around the country that there are just not enough adjusters. We’ve been contacted by many other companies begging us to go here or there and they’re offering $5,000 signing bonuses. We heard on the news that FEMA (which only goes into areas that have been declared catastrophes) are now in 35 states. But we feel we’ve committed ourselves to the company we’re with and they’ve been good to us. We finally know our way around and can remain in our condo at least through November. So we’re going to continue to dodge incoming hurricanes and ride it out here.

We celebrated our 31st anniversary on 17 Sept by looking at only 8 houses that day and we actually stopped for dinner before coming back to the condo.

Better get back to work before another hurricane comes rolling through. Hope all
is well with you. Let us hear from you when you get the time.

Friday, March 25, 2005

Florida Update #2

FLORIDA UPDATE #2

September 2, 2004

Thanks so much for the nice emails you've sent. Sorry we can't respond personally but it's been pretty chaotic around here lately. Carol and I have decided to head north today as they are predicting sustained winds of over 100 mph here in Orlando, maybe beginning Saturday afternoon. It's still a little early to know the track Frances will take, but we're concerned that if we wait another day we'll get caught in bumper-to-bumper traffic. Obviously we want our bodies to be safe, but we're also worried about our van and equipment. We've seen over 30 houses so far but have not finished their estimates. If something should happen to our computers, camera or files, all our work so far would "go with the wind." We live in an area that has large palm and oak trees that might smash our van. And, although the cities and counties have been picking up the debris along the curbs, there's still plenty around that could become shooting projectiles.

As they're saying Frances will affect the whole state of Florida, we're heading for Georgia, although she could follow us up there. We just want to find a place that has power and air conditioning so we can work on our files while we're waiting things out.

They say it's been about 44 years since a hurricane hit Orlando, and now we're looking at two in less than a month. Having witnessed the damage that Charley did and seeing how much bigger Frances is, we can't imagine what things will be like when we return. We sure did pick a fine time to visit Florida, huh?

Thursday, March 24, 2005

Florida Update #1

FLORIDA UPDATE #1

August 27, 2004

Carol and I arrived in Orlando on Saturday, 21 August 2004. We left Omaha Thursday the 19th and drove through rain from St. Louis almost all the way to Orlando. At times we had to pull over as the rain was so heavy we couldn't see. Stayed in Paducah, KY Thursday night and Tifton, GA on Friday night.

We arrived in Orlando around 1 p.m. on Saturday, stopped at our storm office, got our assignments, talked to another adjuster who gave us the name of a broker through whom he had rented a furnished condo, called the broker, met him at the condo and moved in . . . again all in a driving rainstorm. But it was great to find this place right away so we could get settled in.

We have about 150 files between us, a combination of homes and small businesses. We are just amazed at the damage here in Orlando in the middle of central Florida. Charley was still a Cat 2 when it hit and as we drive around we see thousands of oak and palm trees uprooted, huge piles of debris along the curb, and shingles missing from almost every structure. We've only seen about a dozen houses so far but the first one we visited had a flat roof and the rolled roofing was completely gone as well as several sheets of decking. When we went inside there was still an inch or so of standing water in every room. All of his furniture and personal possessions are saturated with water. We've estimated the damage to his home around $100,000.00 and his possessions around $45,000.00. The county has condemned his house so he's been staying with friends and family until his adjuster arrived. We've requested a $5,000 advance for him so he can find an apartment as he will be out of his house for at least 6 months

We're learning to live with the 90+% humidity and you can set your watch to the afternoon rains and storms. We can only see properties in the a.m. as the afternoons are just too hot and humid to work, plus we can't be on roofs in the rain.

All things considered, all is going well. We do have language problems as many of our claims only speak Spanish and some Oriental, so we have to wait to talk with them until they have a friend or family member who can interpret.

Time to get back to work. Will try to do additional updates as time permits. Drop us a line.

Bob & Carol

Wednesday, March 23, 2005

Hello World!

This is the beginning of our blog. We are catastrophe insurance adjusters from Omaha, Nebraska, and travel around the U.S. helping people recover after a major disaster. Last August (2004) we arrived in Orlando, FL, to "work" Hurricane Charley which came ashore in the Gulf near Punta Gorda on August 13. Little did we know when we arrived that we would greet Hurricane Frances about three weeks later (it came ashore on the ocean side of Florida near Fort St. Lucie on Sept. 5) and then Hurricane Jeanne about three weeks later (this one came in about where Frances did, on Sept. 25).

We were in the Orlando area until the end of November when we were asked to go to the Florida Panhandle to "work" Hurricane Ivan which came ashore at Gulf Shores, AL, on September 16, 2004 (between Frances and Jeanne).

We arrived in Mobile, AL, the first of December and have been working claims in Alabama and the Florida Panhandle. Looks like we will be finished up soon, probably the middle of April. Who would have thunk that FOUR hurricanes would hit Florida in a span of six weeks??

But this blog is more about our travels than it is about claims adjusting. We have been to so many places around this great country of ours and have had so many great experiences and found so many wonderful places that we want to share with anyone who cares. Although this is our first post, as we build this blog with reports of our previous adventures we will post them chronologically to maintain some semblance of order. So you will find many articles and photos appearing on dates BEFORE this first post. Just check the index on the left for items in which you might be interested. An exception: occasionally we sent family members what we called "Florida Updates" to let them know where we were and what we were doing. In order to keep these updates together we have inserted them above this post, showing the dates they were actually written and sent.

You are invited to leave comments on any of our posts. Just click on the word "comments" under any post and a window will appear allowing you to post your comment.


Florida Hurricanes 2004 Posted by Hello