Treasure Hunting

Reader Contribution by Shirley "rodeo" Landis Vanscoyk
Published on October 7, 2009
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We live in a very old house. No one seems to know exactly how old, even the public records. I recently had a conversation with my insurance person regarding this. You see, my house is not what insurance companies feel comfortable with, but it is okay, if you pay them more, they get over it pretty quickly. Although we only put in one claim in thirty years, I can hear them shudder when I call because they are basically pessimistic when it comes to 200-plus-year-old barns with imperfect flooring, horses and goats that spend their lives figuring out how to escape onto the road, the absence of sidewalks and fire hydrants, old trees close to the house, and, of course, they have read the blog so they know I am accident prone. I called my insurance person because we have an addition going up, basically doubling the size of the house, and I wanted to be sure we were covered over what has turned out to be (no surprise) a very protracted construction period.

She says (after taking a swig of gin or whatever she keeps on hand for my phone calls), “What can I do for you, Rodeo?”

I say, “I need to make sure I have coverage for this addition – remember we talked about it?”

She says, “Let me pull up your account.” I know she’s got it in a bookmarked file on her computer, marked with a skull and cross bones, so it takes her no time at all.

“Now,” she says, after another swig, “Your original house is what? Sixty years old?”

“Noooooo … it’s like 160.” I am patient. “The house you can see above the ground we think was built around 1876? Remember? There is a plaque on the wall in the stucco?”

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