As you all know, funding this renovation has been truly trying. Just when I thought it was smooth sailing I get the my player-hating insurance agent from hell trying to sabotage the closing of my HELOC. I’m not even mad to be honest..I knew he would try… why? Because he’s a hater. He hated on the fact I was insuring my house in the Village, he hated on the fact that I was young and getting ahead, he hated on my progress navigating the contractor process, he hated on my employment, he hated on me working directly with the insurance company to get his job done, he hated on me successfully navigating the lending process and now he’s hating on me trying to close.
My bank needed me to increase my homeowners coverage to meet the renovation loan amount 100K. He told me my house wasn’t worth that much… and he would not increase my coverage. I don’t know why he though he could make this decision, when comps next door were 200k to 500K and my house appraised mid-range. He has never seen my house to my knowledge but that irrelevant. Regardless if I had work to do on it he wasn’t qualified to make the decision… the insurance company was. When I challenged him he told me he needed the appraisal and some other made up BS. So I stopped dealing with him and went straight to the insurance company. They were no better in their requests but did not dispute the value. How could they with appraisals in hand. They increased it and added the bank to the policy.
Now here I am the day before close and the bank sees they messed up the lenders address. The bank calls the my cock-blocking insurance agent. He tells them he can’t make any corrections because …. get ready for this…
I have a payment that is due at the end of the week (keep in mind it’s Monday) and my policy is schedule to cancel after that day (Friday night at 12am)
WTF does a payment that’s not due yet have to do with you correcting my policy for my loan closing the next day. The kicker is when I requested for the increase I was told I’d get a statement in the mail for the difference, that statement I got 4 days ago on last Friday and the due date was 7 days later the up coming Friday.
So to recap…
My policy is active
My policy has not been cancelled
I am not behind in payments
My payment is due in 5 days
… Is he F#%^ing with me
To top it off I pay online to just “dead” the bullS*% (nearly a week before the due date) and he tells me … well it takes 24hrs to clear so I still can’t make any changes. Well GOD doesn’t like ugly or jealousy, just because it feels good to try to sabotage someone else doesn’t make it benefit you. As a matter of fact no one can stop karma, bad ju-ju only begets bad ju-ju.
