If you see Noah, tell him I’d like to swap a really nice Winnebago Ultimate Advantage motorhome for his ark!

It has been raining ever since we got back to Summerdale, and I’m starting to collect two of every critter I see, just in case. Here are a couple of photos of the puddles taken from in front of our motorhome yesterday morning. Everywhere we step, the ground is just saturated.

A lot of blog readers have e-mailed asking me how our insurance company is treating us since we were burglarized and vandalized the evening of December 4^th. I have held off on saying much, hoping to keep a spirit of cooperation going. But since that hasn’t done us any good, here is how the situation looks from my point of view. Please excuse the rant, but we feel like we are being victimized for a second time.

We have used PoliSeek (formerly AON) as our insurance agent for most of the ten years we have been on the road. First they placed us with Royal Sun Alliance, and when that company stopped covering RVs, they switched us to National Interstate. In all of that time, we have faithfully paid our premiums on time and have never had a claim.

We are supposed to have a disappearing deductible, which means that for every year that we don’t have a claim, our deductible goes down by 10%. We also pay extra for full replacement coverage of our RV and contents.

So far, I am very unhappy with the response from both PoliSeek and National Interstate. Our crime happened late on a Friday evening. We called the next morning (Saturday), and got a message to call back on Monday. So we were left to fend for ourselves all weekend in 12 degree weather in northern Indiana with an RV with a window busted out. We could not leave the RV parked and unsecured and stay in a motel or everything else in it could have been stolen. Fortunately, Michele Henry from Phoenix Commercial Paint opened her shop up for us so we could get in out of the cold over the weekend.

On Monday, three days after the incident, I talked to the first claims adjuster, and he e-mailed me a Vandalism Affidavit and requested that I fill it out, have it notarized, and return it to him by fax. He also said to send him a list of any items that were stolen. I did so, and called him back an hour or so later to tell him that they had been faxed, and got a message that he was out of the office. As it turns out, he was out of the office for the next week.

We managed to contact a different adjuster, who said she was filling in for him, and she asked me to mail her hard copies of the forms, which we did. When I asked her about specific repairs and what was covered and how to get the repairs done so we could get back on the road and to warmer weather to avoid an incoming blizzard, her answer to every question was “I don’t know, I’ll have to get back to you.” The shop that did the initial repairs so we could get out of cold, snowy Indiana is getting the same run around.

Once our motorhome was drivable again, the second adjuster said to go to Camping World in Robertsdale, Alabama to get an estimate for the repairs that are still needed. I did so and faxed National Interstate that information.

Monday, a week after I spoke to him, the first adjuster called back and wants to start from square one all over again, and when I asked about the repairs still needed, his answer was the standard “I don’t know, I’ll have to get back to you.”

I was told that our disappearing deductible does not apply, because we also kept our bus conversion insured with them until it was sold. As for our total replacement coverage, that apparently only applies to items not physically attached to the RV, and guess what, there’s another deductible that comes into play there too!  When I ask why, the answer is “I don’t know, I’ll have to get back to you.”

Yesterday I called PoliSeek, who is supposed to be my advocate, as I understand it. I was told that nobody there could help me, and was transferred to the original claims adjuster at National Interstate. He told me that “these things take time.”

How much time? It is now twelve days after we were victimized and we still do not know if we are on the hook for the repairs to our RV or if we will be reimbursed for our loss and damages. The shop in Indiana wants paid and has told us that if the insurance company does not pay them in a timely manner for the repairs, we are responsible.

The same claims adjuster called back later yesterday afternoon and told me the claim can take up to 180 days to settle. Then he e-mailed me more paperwork to fill out, more loss claims to have notarized and mailed in, and said he will turn it over to a field adjuster, who is supposed to contact us “soon” to make an appointment to come and talk to us.  

You can bet that I’ll be changing insurance companies and agents very soon! Some readers who use PoliSeek and National Interstate have reported good experiences with them, but they have totally dropped the ball on our claim, in my opinion.

Thought For The Day – Friendship isn’t a big thing. It’s a million little things.

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I feel like I’m wading in waist deep muck. I have so much I need to get done, but it’s like every step I try to take forward takes forever to accomplish, and I keep falling further and further behind.

Part of it is that I feel like I have hit an emotional and physical wall. I can’t concentrate, my brain feels fuzzy, I’m grouchy and irritable, and I’m worn out. All I want to do is lie down and take about a 36 hour nap. I know that it’s all a delayed stress reaction to recent events, and I’ll work through it. I just needed to snivel. Okay, enough of that.

Yesterday we had a lot of running around to get done. Our first stop was at the post office in Summerdale to mail off a bunch of orders, and then we went to Camping World in Robertsdale, where I picked up a written estimate to have our rooftop automatic TV dish replaced. Among the other things that happened during the burglary was that he (or they) ripped out the control box for the rooftop dish and the Dish Network receiver, threw them on the floor and stomped on them. Since Winegard no longer makes our model of dish or supports it and no replacement parts are available, we have to get a new one.

While we were at Camping World, we picked up a folding aluminum outside step with a 1,000 pound capacity for times when the distance between the ground and the step of the Winnebago is too much for our stubby little legs.

Terry also found a small oak  footstool to put under her feet when  we’re traveling to make it more comfortable for her. The top raises to give access to a small storage area for items like remote controls and such, Just what I need, one more place to lose my remote control!

We then had to run over to Daphne, on Mobile Bay, to pick up some items at Sam’s Club, and while we were in the area, we stopped at the Bass Pro Shop at Spanish Fort. Terry wants a pair of fuzzy moccasin style slippers from Minnetonka or TeePee for Christmas, and I was hoping we could find some there, but they didn’t have what she wanted.   

We also went to an Office Depot to make copies of paperwork for the insurance company and faxed that to them. If you have ever wanted to be a crook for a living but are to afraid of going to jail, I think you should just open an insurance company. It’s like a license to steal. We have paid thousands of dollars in premiums over the years and never had a claim, but now that we need them, we are getting one runaround after another. One person tells you one thing and the next person contradicts the first one, things one tells us are covered the next one says are not, and “total replacement coverage” and “disappearing deductibles” are all bull$&@! when it comes time to pay off.

By the time we got all of that done, it was after 4 p.m. and we were getting hungry. I had spotted a Chinese buffet in a shopping center across the street from the Office Depot, and asked the clerk who sent our faxes if it was any good. She said she didn’t like Chinese, so couldn’t tell me, but one of her co-workers spoke up and said it was her family’s favorite Chinese restaurant, and that her sister drove all the way to Daphne from the far west side of Mobile to go there at least twice a month, so that was good enough for me. We adjourned to the Grand Buffet for dinner, and while I wouldn’t put it up in my Top 5 list of Chinese buffets, it was pretty darned good.

Back at the campground, I answered some e-mails that came in during the day, fiddled with the satellite and Dish receiver hoping against hope I could get them to work, and finally gave up in frustration. I know a lot of folks say that they don’t care much for TV, but I do. There are a few regular programs we watch regularly, and I am a news hound so I miss the daily news broadcasts and a lot of good documentaries on A&E, the History Channel, and such. Tomorrow I may drag out my old tripod dish and see if I can get any kind of a signal off that.

Of course, nothing stops Bad Nick. He has a new blog post titled Welcome Home, Sisters. Check it out and leave a comment.

Thought For The Day – There is great need for a sarcasm font.

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We were so tired Saturday night that we were in bed by 9:30 p.m. and I waited until Sunday morning to post the blog. We had a rainy night, and were wide awake before 7 a.m. Sunday, and on the road before 8 a.m., which was a new record for us.

We passed through Montgomery with only a few cars and trucks to keep us company, and pulled into the Flying J truck stop a few miles south of town to take on fuel, and decided to try their breakfast buffet, which was surprisingly good.

Back on the road, we had an easy run to the Escapees Plantation RV Park in Summerdale. We checked in at the office, where we got a warm welcome, and then were assigned to a site. As we were unhooking the van, Jack Mayer came by to say hello. The battery in our van is getting weak and didn’t want to turn over, so we got out our battery charger and Jack helped us put some juice into the battery to get the van started.

By the time I had backed the motorhome into our RV site and finished hooking up our utilities, several people had come by to say hello and welcome us back, and to commiserate over our recent misfortune. We had pretty much a steady stream of visitors until we went to the Activity Center a little after 5 p.m. for their Chocolate Decadence event, in which for $3 each we had our choice of dozens of chocolate goodies, everything from brownies and cookies, to fudge, and even chocolate covered chicken wings. I passed on the wings, but sure tried to sample as much of the rest as I could. 

Following that, they had the Sunday evening Ice Cream Social. And everybody managed to save enough room for ice cream too. RVers love to eat! It was nice to see so many folks we know, and to be made so welcome. And it is wonderful to be warm again! It was 72 degrees when we arrived at Summerdale!

After I reported in yesterday’s blog that we were spending the night parked behind the Moose lodge in Prattville, Alabama, I got three or four e-mails from people asking if we were not afraid of being victimized again.

We have dry camped all over this country without a problem for years, and though we will exercise more caution in the future and not allow ourselves to become complacent again, the reality is that we could spend another 20 years on the road (which we hope to do), and never have a problem again. Of course, we also realize it could happen again tonight. But, we refuse to live in fear, or to give up our freedom because of what “might” happen.

Keep in mind, too, that our crime did not happen while we were dry camping in some out of the way place. It happened at an established RV repair shop’s camping area, which had 24 hour surveillance cameras, which large signs plainly announced. Crime can and does happen at any time, anywhere. The luck of the draw was that we just happened to be the victims this time around.

Now that we are finally out of the deep freeze up north and getting the inside of our Winnebago back to normal, we are still discovering some other things missing, including the handheld Garmin GPS we use for geocaching, a digital photo frame with pictures of our granddaughters, and Leatherman pocket tool. On the flip side, we found a small digital camera we thought was gone, so that’s a good thing. Life goes on.     

Thought For The Day – Worrying is like a rocking chair, it gives you something to do, but it doesn’t get you anywhere.

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I think the old Willy Nelson song with the above title must be the theme song for fulltime RVers, and I bet a lot of us hum or sing it to ourselves when we pull out of a campground. It sure brought a smile to my face to do so yesterday morning!

It was 19 degrees at the Kentucky Horse Park in Lexington when I fired up the Winnebago and pulled out of our campsite. After a quick stop at the dump station to empty our holding tanks, we were on the road by 9:15 a.m. We usually wait until rush hour is over before we leave in the morning because we can’t see any reason to get out there with all the commuters on their way to work.

We took the Bluegrass Parkway southwest 90 miles to Elizabethtown, where we got onto Interstate 65. All along the way the rock faces, where the route was carved through the mountains, were covered with long icicles that looked like stalactites found in Kentucky’s many caves in this region. They call this area Cave Country, and it’s one of our favorite places, but not this time of year. We’ll be back sometime when it’s warm.

As we traveled south, eighteen wheelers and RVs going by us from places further north occasionally showered the highway with great sheets of snow and ice that slid off their roofs and exploded into white bursts as they hit the pavement. I guess we’re not the only ones in a hurry to get out of the cold!

I wrote about how much I hate driving through Nashville when I reported on our trip north, and several people suggested we take the State Route 155, known as the Briley Parkway, as a bypass. We had been on this stretch of road several years ago while it was under construction and were faced with long delays. This time around there was no construction, and though there was a lot of traffic, it moved along pretty well as we skirted the east side of Music City, passing by the Grand Ole Opry, where I imagine Willy Nelson has sung On The Road Again.

We made good time as we scooted across Tennessee, then crossed into Alabama. Rain had been predicted for much of our route south, and a few miles north of Birmingham it began to sprinkle, then picked up to a steady shower. Roadways are most dangerous just after it begins to rain, because all of the oil and road film gets wet and very slippery until it rains enough to wash it away. This is a very dangerous time to be using either a Jake brake or cruise control. We slowed down to a safe speed on the wet road and continued into Birmingham, another city I really don’t like driving through. There was a lot of road construction, with narrow twisting lanes, and the drivers all seemed to be in a hurry to be the first one to the accident.

The sky had been gloomy since we left Nashville, and as the afternoon wore on, it got darker and darker. By the time we were approaching Montgomery, it was pouring rain and visibility was dropping fast. Time to get off the highway. We pulled into the Prattville Moose Lodge, about ten miles north of Montgomery, and just a mile off the Interstate.

The lodge has a small campground for traveling Moose members, with a dozen sites with water and 30 amp electric hookups. We stayed here once before, in dry weather, but I wanted to test the dirt RV parking area before we pulled into it with our heavy motorhome. It was pretty saturated, and we decided instead to pull around behind the lodge and park on the edge of the driveway. There are no hookups back here, but that’s not a problem for us, with our Onan generator and fresh water holding tank.

We had covered 490 miles, and that was more than enough for one day. It’s chilly here, about 42 degrees overnight. But since that was about twice what we had the night before, and four times what we faced in Elkhart, nobody in our coach was complaining!

Today we have an easy run of about 185 miles to the Escapees Rainbow Plantation RV Park in Summerdale. It will be nice to be back with our extended family of RVers for a while.

Thought For The Day – Love your neighbor, but do not pull down your fence.

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Terry and I can really feel the difference in comfort levels between our MCI bus conversion and our Winnebago Ultimate Advantage motorhome in this cold weather! The Winnebago is much colder inside than the bus.

When we built the bus, we added a lot of extra insulation to the floor, walls, and ceiling. We were in temperatures down to 10 degrees a couple of times and a couple of electric cube heaters kept us comfortable. Last night it was 16 degrees here in Lexington, Kentucky, we had both furnaces turned up, and we were still chilly! I think we need to look into a catalytic heater. We let our Olympian Wave 8 go with the bus, and now I’m wishing we had kept it! That thing sure put out a lot of heat, and used a lot less propane than the RV furnaces do.

My appointment at the VA hospital Friday went as well as could be expected, and we are leaving today, headed back to the Escapees Rainbow Plantation RV park in Summerdale, Alabama. No place in the country seems to be warm right now, except for maybe the Florida Keys, but we have had to cancel our trip that far south this year. At least Summerdale will be a little warmer than it is here. We’re about 675 miles away, so we hope to be there sometime Sunday afternoon.

Then I have to chain myself to my desk and get the new issue of the Gypsy Journal ready for the printer. The unplanned trip back up to Elkhart to sell the bus, and the burglary that happened there, have put me way behind schedule. The paper should be printing right now, and all we would have to do is get the new issue ready to mail out. I hope our subscribers will understand about the delay. Most folks have been pretty easy going when we’re late, but as a lifelong newspaper publisher, it eats me alive to miss a deadline.

A lot of readers have been asking how we are making out with our insurance company after last week’s incident. One writer went so far as to say that the theft and vandalism were only the start of our misfortune, and the real violation would come from our insurance company. Things are not wrapped up yet, but so far, I get the feeling he was not far off the mark.

I won’t go into a lot of details yet, because I don’t know what the final outcome will be, but so far, it looks like our “disappearing deductible” sure had the right name, because when we needed it, it disappeared! All I will say right now is that I think we’ll definitely be shopping for a new insurance company once all is said and done. Of course, I’m sure that they will be just as bad. What’s that they say about a rose by any other name?  

Meanwhile, Bad Nick is staying inside close to the heater outlet, and he posted a new Bad Nick Blog titled Keep It In Your Pants. Check it out and leave a comment.

Thought For The Day – He who digs a pit for others will fall into it himself.

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