Insurance Company Leaves Family without Home
Donation protected
Today is October 6th and it’s been 456 days and counting since we had to evacuate our home due to mold and asbestos. To say it’s been a tough year (even before the current virus and lockdowns) for our family would be an understatement. Homesite Insurance has been dragging their feet to get our house back to livable. While we do everything that is asked of us, they have gone as long as a month to respond to simple questions about the process. We have been lied to. Every phone conversation or email it’s another excuse as to why there is little to no course of action being taken to build our home back. (We've gone through 4 desk adjusters) And all the while our house has sat deteriorating worse because of the length of time this has taken and us being unable to be there to tend to it.
Myself, my wife, our two daughters, and dogs have moved into temporary housing/hotels 7 times without our things. Moving is not only physically exhausting but mentally. It's effects have been detrimental to our well being. We left our home with all that we could carry in our vehicle to stay at a hotel for what we thought would be a couple of weeks only to find out everything in the house is potentially hazardous to our health. We had to start over. Our children without their books and toys and homeschooling environment, leaving them in environments that are not fit for thriving educationally and mentally. Leaving us to reorder and piece together a curriculum to keep them active and learning.
Our additional living expenses policy of over $96,000 limit has been reached, and now, insurance is not covering our stay anymore even though they are at fault and operating in bad faith, compromising our livelihood.
Our year-long circumstances have stretched us thin and emptied our savings; and now we’ve lost all our clients due to the virus and lockdowns. So we have no income currently to pay for the next lodging on our own. In less than a week we will have to return to our unfinished house without our things.
All our bills are deferred, late or reported to collectors, credit cards are maxed, and both of our credit scores have tanked.
We have numerous hospital/medical bills piling up, of which, the doctors say our respiratory illnesses are associated with us being exposed in the house for so long and the other illnesses are from the stress of our prolonged situation. I was hospitalized in November with a mass on my left lung and had two chest tubes to drain (luckily) a noncancerous infection. But after just a recent follow-up CT scan, I discovered I will have permanent lung deformation and pain.
Things are escalating worse for our situation and for us mentally and emotionally, so we’ve decided to use our filmmaking skills to tell our story in hopes that it might connect us with someone or something that can help us through this and shed some light on the broken flip home/insurance system. We’ve started a documentary vlog series of our situation and have as of writing this 12 completed videos.
We don’t like asking for help, especially for money, but we are running out of time and options. We have two attorneys willing to help under contingencies and possibly help us take legal action against the insurance company. But that is a long game and while we will fight it, it won’t help us right now or in the next week.
Except for each other, every other thing or facet of our life has been taken, destroyed, held hostage, or delayed against our will. Each one of us is taking a beating mentally. Our 5 and 11 years old and even our dogs have changed, leaving us to try to cope and heal from this new kind of trauma.
These funds will be used to ensure the physical and mental health of our family, helping fix the rest of the house, food, bills, medical bills, buying a bed and other items we no longer have, and continue to be a resource for others enduring the same circumstances while our family tries to heal and move forward.
Please consider donating and resharing so that our story might help others.
#noHOMEsummer
Myself, my wife, our two daughters, and dogs have moved into temporary housing/hotels 7 times without our things. Moving is not only physically exhausting but mentally. It's effects have been detrimental to our well being. We left our home with all that we could carry in our vehicle to stay at a hotel for what we thought would be a couple of weeks only to find out everything in the house is potentially hazardous to our health. We had to start over. Our children without their books and toys and homeschooling environment, leaving them in environments that are not fit for thriving educationally and mentally. Leaving us to reorder and piece together a curriculum to keep them active and learning.
Our additional living expenses policy of over $96,000 limit has been reached, and now, insurance is not covering our stay anymore even though they are at fault and operating in bad faith, compromising our livelihood.
Our year-long circumstances have stretched us thin and emptied our savings; and now we’ve lost all our clients due to the virus and lockdowns. So we have no income currently to pay for the next lodging on our own. In less than a week we will have to return to our unfinished house without our things.
All our bills are deferred, late or reported to collectors, credit cards are maxed, and both of our credit scores have tanked.
We have numerous hospital/medical bills piling up, of which, the doctors say our respiratory illnesses are associated with us being exposed in the house for so long and the other illnesses are from the stress of our prolonged situation. I was hospitalized in November with a mass on my left lung and had two chest tubes to drain (luckily) a noncancerous infection. But after just a recent follow-up CT scan, I discovered I will have permanent lung deformation and pain.
Things are escalating worse for our situation and for us mentally and emotionally, so we’ve decided to use our filmmaking skills to tell our story in hopes that it might connect us with someone or something that can help us through this and shed some light on the broken flip home/insurance system. We’ve started a documentary vlog series of our situation and have as of writing this 12 completed videos.
We don’t like asking for help, especially for money, but we are running out of time and options. We have two attorneys willing to help under contingencies and possibly help us take legal action against the insurance company. But that is a long game and while we will fight it, it won’t help us right now or in the next week.
Except for each other, every other thing or facet of our life has been taken, destroyed, held hostage, or delayed against our will. Each one of us is taking a beating mentally. Our 5 and 11 years old and even our dogs have changed, leaving us to try to cope and heal from this new kind of trauma.
These funds will be used to ensure the physical and mental health of our family, helping fix the rest of the house, food, bills, medical bills, buying a bed and other items we no longer have, and continue to be a resource for others enduring the same circumstances while our family tries to heal and move forward.
Please consider donating and resharing so that our story might help others.
#noHOMEsummer
Organizer
Kodi Smith
Organizer
Grand Prairie, TX