the drama with the new place is ended.
so here's what's been going on behind the scenes since i've moved in:
1. electricity: when i moved in there was no grounded plug in the kitchen, so i had to put the microwave in the front room. shortly thereafter, i found out that i couldn't run the microwave and the heater at the same time. so until the heat got fixed, it was one or the other. i was able to work around that...but not having no electricity in the kitchen. one morning i got up, went to the kitchen, plugged in the toaster and the whole apartment blew. went outside in the cold (cuz ya gotta go outside to get to the basement) to reset the breaker. that only turned on the juice for part of the apartment. long story short, the landlord had to come in and do some rewiring. that included a new fuse box inside the apartment and grounded plugs in the kitchen.
2.renter's insurance: the day that i was to sign the lease, i called the landlord's office beforehand and asked what i needed to bring with me. the guy @ the landlord's office who handles the leases (aka lease guy)said "your checkbook". i asked again and he said, again, the checkbook was all i needed. when i got there, he said that he wouldn't give me the keys until he had proof of my renter's insurance. so i called geico on the spot and got renter's insurance. while i was on the phone with geico, he told me that i had to add the landlord as additional insured, i told the person on the phone and geico said that they needed a name. so the lease guy gave me the owner's name. the company faxed him a copy my insurance certificate and all was good. until about a week later, i get this call from lease guy saying that the COMPANY has to be additional insured and the owner of the company needs to be removed as additional insured. so i contacted my insurance and asked that they make it happen. turns out they don't insure landlords. (pause for the cause: by being named as additional insured, the landord is protecting themselved from being sued by the insurance company if it is found that the loss of my property was related to something that landlord did/didn't do).
i called allstate and they won't insure this 'hood. so lease guy gave me contact info for an insurance agent that he works closely with - i called her and she couldn't find an insurance company agency that would do it. (and she has contact with MANY insurance companies). i forwarded her e-mail to lease guy and considered the situation closed. then, i get a call from lease guy telling me that i need to make this happen. but i reminded him of a few things:
1. how this situation came to be
2. i have renter's insurance
3. reputable companies have said no
4. that i have a full-time job, that does not include calling every insurance company known to man to make this happen.
i also let him know that if he found a company that was willing to do what he's asking and he's 100% sure that they will do it in a legal manner, please send me the information and I will switch. in the meantime, i still have renter's insurance through geico.
3. heat: i have radiator heat (translation - controlled by the landlords). when i moved in, instead of opening the radiators, the maintenance guy closed them. that was remedied pretty quickly
now...to finish unpacking, furnish the apartment, have a dinner party and other normal living stuff
Thursday, January 24, 2008
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3 comments:
Wow, that certainly was a lot of drama! Especially with the insurance thing. I hope that that's all sorted. It would have scared me hearing the Geico person saying that the landlord is trying to protect himself from being sued if something was found to be caused by him.
But it's good that that is all over!
DRAMA FREE!
you and me both!
I've tagged you to participate in a meme (if you want to that is :D) over at http://thefatlazyguy.blogspot.com ;)
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