Sewing machine, telescope, Kleenex box holders, Cuisinart…
these things run through my mind as I am trying to return to REM this
morning. The dreaded inventory list,
still not complete and always looming. I
stunned another naive insured person yesterday by explaining what the inventory
process is really like. Most people have
no idea. I didn’t. Listing everything you owned down to the
minutia in order to get a fraction of it back from your “insurance” is a
painstaking process. Interestingly,
David awoke with a similar list. We
haven’t sat down to do inventory together lately. The clock is ticking. Things are popping into our heads, and some
may disappear forever into the folds of grey matter that we limited humans
still can’t access. It’s time to get
this sucker done. Operation Inundation
must proceed – and complete – soon. It drains
are beleaguered energy banks. I still
pant as I walk up small hills, but my psychological energy is replenishing. Until, that is, something happens…
The recent ‘happening’ was a trip to the bank carrying a
large check meant to represent “our structure”.
As you faithful readers know, this number has been grossly underestimated
(and that’s a whole ‘nother story). So
into my bank I go, pleased to have received this check from the insurance
company and ready to have some financial breathing room for our near future. The bank had other ideas. Even though we
continue paying our mortgage, the bank wants to keep the money and dole it out
at their pre-determined milestones along the way. To add salt to the wound, this would tie up
other monies that are coupled with that large check including our “outbuilding
fund” to replace sheds and our “tree fund” for the meager attempt to rehab some
of our trees which really means chop them down and haul them away. In that moment, I could not engage in the
one-sided proclamation that was heading my way.
I was beyond furious. The sympathetic
banker who was the deliverer of the bad news glanced at me kindly. I steamed out of there calling my attorney as
I fled.
Ya have insurance, dontya?
Jeeeeeeez. Once upon a time in a
galaxy far far away, I might have asked the same question. Never ever ever again.
A total loss is a devastating financial hit for most people,
it’s another thing entirely if you have a mountain property or anything with
acreage. There is NO coverage for the
land (besides my $10k for trees which is a completely funny and random figure
when you think of 37 acres of dense forest and groundcover...). At our last homeowners meeting, we discussed the
loss of value in acreages and views – and we heard from a forest biologist who
evaluates the devastation in ecosystems after a fire. We heard about decreased soil fertility, the
dearth of nutrients, and what it really might take to rehab the land including
the range of price per acre. He emphasized
that the land will never return to what it once was – in our lifetime
anyway. And, I believe he said “never”
just one to many times. My head felt
like it was spinning off. Ya have
insurance dontya? Yeah, right….
Who has time for all of this? Do you think insurance covers our loss of
time normally spent on living our lives, on developing our careers, on
writing? No. Do I sound bitter? There certainly is an edge I feel. It’s tiring to say the least. Yes, it’s a grand adventure and oh my my we
are so freeeeee after losing all our possessions. (oooops.
Sarcasm emerged again.) I do absolutely
love living in Flame. I am committed to
a world of adventure. I will see the
gift – and yes Bill, I will be the gift.
Most of the time, that is. I
practiced the spiritual principle of “shut up” with the hapless bank
representative who was the roadblock in my freedom to deposit our money. Instead of wailing like a banshee, I retreated
to rally the troops. I haven’t even told
David of the latest development in our bureaucratic journey. I will let him have his second cup of coffee
first and enjoy the morning.
Fear you say? Yes, it
triggers fear. It triggers anger
mostly. Just like seeing the sap scars
and ash stockings on my dogs, it brings up a deep sense of helplessness – and
yes, probably victimization. I feel
powerless and not the type of powerlessness we tout in the 12-step rooms. That powerlessness has inherent power as we
give up our old way of being, leap into the unknown and trust the process. And, yes, because I choose a path of
resilience, I still trust the process as in I know we will be ok.
The fight or flight response serves a purpose. I did flee the bank. I also chose.
I knew I was hosting my radio show within the hour and chose to calm my
ravaged mind as much as possible – realizing I could revisit this red tape
later. It would be there, patiently
waiting my return. My angsty moments
between leaving the bank and returning to Jessica’s to sit down with my guests
and my audience are a bit blurry. Upon
entering Jessica’s house, I was quite distraught and combined with hunger, low
blood sugar, a crunched schedule and a need to urinate suddenly peeing on the
floor seemed like a reasonable option.
For a moment, I considered how that level of psychological unraveling
might just do the trick. After peeing
outside so much recently and the realization that the harder the surface, the
greater the splash the romanticizing of peeing on her floor lost its luster
relatively quickly.
My day improved from that point. After writing this, I wondered whether I wanted
to post yet another rant. But ranting is
part of my process. I rant to you. I rant at God. I rant internally. Ranting helps to move the shit through. I have been tired, edgy and tender the last
few days. David and I have been a bit
angsty with each other which is to be expected and discouraging at the same
time. We keep re-promising to remember
that we are both spent and we recommit to bring an excessive level of patience. Today, smoke fills the air from fires burning
as far away as Montrose and New Mexico.
I feel for those people. The smog
fits my somewhat cloudy mood with bits of sunshine poking through. We stopped for breakfast at Einstein’s as we
headed into town to shop for flagstone.
It’s time to replace our Astroturf lawn with a more permanent structure to
surround Flame and make life a little sweeter.
As I sit in this fine establishment and look around at the collection of folks, I settle a bit. I remember how to take a deep breath. I breathe in the A/C and coffee fumes. I pause and reflect. And, then I choose: Today, I promise to be loving to my husband. I promise to be grateful for at least a few
things. And, I chuckle as I write that
as I know there is an abundance of things to be grateful for. Today, I will let the rant lapse. I will know I can come back to it when I
choose. I will use a proper bathroom, I
won’t pee on anyone’s floors, I will wash the dirt from under my fingernails
and celebrate clean underwear. I will
call my mother and tell her I love her.
I will be kind to a stranger - or two.
And, right now, I will dig in to my breakfast and be happy that I didn't have to cook it.
Wow, you hit the reality check of what insurance does and does not do right on the head. From there we all get to choose how to react and respond, but oh yeah, even the best of us will yell 'but that's NOT FAIR! first.
ReplyDeleteThanks Andrea. It is certainly interesting!
ReplyDelete