Disaster Strikes (Again, and Again, and Again)

Being a Homeowner is a bit more rough than we anticipated; if it isn’t one thing, it’s certainly another- and that’s definitely held true for us the first few months in our new house.

Disaster One

Firstly, the bedroom light doesn’t work. We have no idea what went wrong when we rewired the Bedroom and living room lights during the remodel, but something apparently did. After about 20 minutes the living room light also stopped working as well. Thankfully, though, all of the outlets are on a separate breaker. Until we can get it fixed, we simply popped the breakers and are going to let it be for now.

The real fun, though, happened in the bathroom; the hot water heater is in tact and working well, but the emergency release valve apparently doesn’t close. As a result, we flooded the water cupboard- and I was stuck shuttling pouring water between the water heater to the toilet for 20 minutes. We had to call my father to come look at it. He decided to cap the emergency valve and see if that would fix it, and it did. Still, I wasn’t happy about it and we’ll eventually need to replace it.

We also discovered that we had no water pressure hardly anywhere in the house. After two days of messing with the kitchen sink, though, we discovered that the problem was with the faucets themselves; between the fact that we replaced the sewage line, and the fact that the faucets had sat in the house unused for over a year, they were not only clogged with Oklahoma’s famous red clay dirt, but were also mineralized… Which explained why the only faucet with any semblance of pressure was the bathroom one, as we had replaced it alongside the sink during the renovation. My Husband and I simply purchased a new faucet for the kitchen sink and it works fine now. In fact, everything except the shower faucet is operating as well as it can.

Overall it was definitely a hectic and stressful first few days in the house. I had no idea it was going to get worse, though.

Disaster Two

With California currently in one of the most severe droughts in a long while, Oklahoma and Texas seem to have an overabundance of rain that simply won’t quit.

Unfortunately it’s wasn’t looking too good for my Husband and I; our house sits at a dead end and there is only one other house on our block. It took us about two hours after the rain started before we noticed that our intersection floods rather severely. And after more than a few days of rain? Over half our city (and our state) seems to be completely under water.

For a week we were genuinely worried that we would have to evacuate if it got any worse… More concerning was the fact that we don’t have Home Owner’s insurance yet. Nor do we have FEMA’s National Flood Insurance; in the event that our house were to flood, we wouldn’t have a way of repairing the damage- provided it wasn’t damaged beyond repair in the first place.

Because we didn’t know this ourselves, I want to make it known for anyone else walking into owning their own House for the first time: According to the lovely (and incredibly helpful) Woman we spoke to at Geico, if you live in the United States, normal Home Owner’s Insurance does not cover Flooding. Likewise, not all Homeowner’s Insurance Policies cover other natural disasters like Tornadoes or Earthquakes by default; in order to get Flood Coverage you have to purchase a separate insurance plan through FEMA. Natural Disasters protection may also require an additional add-on package as well… Always ask about these things when talking to your Insurance Representative!

Thankfully the service road to the grainery behind us remained open and un-flooded,. The roads to and from my Husband’s work also remained open as well. In the end we didn’t have to evacuate, but others didn’t fare so well. And after this? I will never complain about a lack of water again.

Disaster Three

While we were renovating the house in April my Husband and I chose to purchase second hand appliances due to the fact that there were limited budget options. Our fridge itself was directly purchased from my younger Sister. It needed one very deep cleaning before we could use it, but up until recently it was working fine.

We took our usual grocery shopping trip the other day, came home, and began to put the groceries away. Suddenly, and without warning, the Light in the Fridge decided it no longer wished to work. We though it was just the light, but later discovered that was not the case when we went to retrieve a drink and realized the Fridge was nowhere near as cool as it should have been. As a result we spent two days eating out of an ice chest before I was able to go to the local Rent-to-Own and check on prices.

Thankfully I did find a fridge that was budget friendly for us. The model is more modern than the one that we previously had, and the price was $800 USD total. Payments averaged out to $60 USD per month and were interest free for the first 6 months of payments. I should have talked to my Husband before agreeing to it, but we needed a fridge so I made an executive decision, signed the contract, and scheduled the delivery without him- and informed him later that day.

It was not the best choice, but I couldn’t wait until he got home from work- or until his next break to talk to him about it. All in all, we can afford it- but with a second loan coming up shortly for payments we have two unexpected bills. As a result I am cutting my year long hiatus short and returning to work with my mother. It is not the most optimal situation, but the extra cash will help us pay off both the Fridge and the small loan quicker so that we are one step closer to being debt free as quickly as possible.

Here’s to hoping nothing else goes wrong!

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The Banner Image for this post was provided by StockSnap; the Banner Image for the main site is my own work.


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