PCS, Uncategorized

To Claim or Not To Claim?!

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So we did it.  We made it from Fort Campbell to Dallas.  The moving truck came and went.  The movers were not particularly confidence inspiring, but to be honest we have only had one set of movers that we believed in.

Having my stuff boxed up is never that big a deal to me.  I always set aside the super important stuff so that we can deal with that ourselves. Watching movers load and unload the truck is a whole different story.  That sends my anxiety through the roof.  The massive game of Tetris they play with my belongings makes me want to throw up.

There are some items that never make it through… Ever.  Backyard Grill? HA! King Sized box spring, yea right! Then there are other things that you have to wonder if they were TRYING to mess it up… 1200 LB gun safe that’s rated to withstand the apocalypse?! Thompson Movers can dent it, Just give ’em a week!

When we first started this little military journey of ours, we only claimed major issues.  Seriously damaged furniture, multiple broken dishes etc.  Over time we realized that most of the time things don’t get seriously damaged.  They get scuffed, nicked, rubbed or chipped.  We weren’t necessarily going to run right out and replace everything, but if we continued down the path we were on we would find ourselves surrounded by shabby belongings without the monetary means to replace them.  That’s when we started to claim damn. near. everything.  If it cost us more than $20 dollars and it was damaged in any way, we claim it.

At first it seemed insane.  Do we really need to claim the cowboy hat that no one has worn in 7 years?!  We had to research the brand and validate the cost we were requesting.  Back in the day that was really all we had to do.  Prove it cost as much as we said and send pictures that it was messed up.  Now its a much longer process.  They send someone out to the house to check on any larger items that you claim (furniture, tools, purses etc) to validate that they need to be replaced and not just repaired.  You’ll still get compensated if a repair needs to be made, but they will research repair shops  and only give you the amount it would cost to fix it.  That whole process can take up to 2 months from the day you first complete the online claim form.

Yes, it takes a long time.  But it doesn’t really take much effort.  Once you file your initial claim and submit your substantiated documentation (receipts, current cost at retailer etc) there is really no effort on your end.  It can mean the difference between hundreds (or THOUSANDS) of dollars in your pocket.

milspouse, PCS

When You Finally Get Answers

Holy Cow!!

Our no later than date came and went…. No real surprise there.  I almost expect it at this point.  You know who doesn’t expect it?  My mother-in-law.  Had to field constant questions from her… but whatever.  I’m used to that by now…

Two weeks after we were supposed to find out what our plans were, we finally found out.  My husband is going to graduate school in Dallas with a two-year follow on assignment at United States Military Academy.  Thank goodness we found out when we did because at that point the move was only 6 weeks away and we had to go out to Texas that weekend so that we could buy a house and close in time for moving day.  Nothing like crunch time to add a layer of stress to an already stressful lifestyle!!

We packed up the mighty SwaggerWagon (aka family minivan) and drove out to Dallas to house search.  I had found a real estate agent, gave her our parameters, sent a bunch of MLS listings that I was interested in and in 1 day we saw 27 house.  Phew!! Thank goodness my in-laws met us and took our kids off our hands so that we could get it done.  I seriously have no idea how we would have done it if we had to drag the boys with us.

We found an amazing house that not only fits our needs but should rent well once we are ready to move to New York.  This is the third home my husband and I have purchased since he joined the military and we still own the others, with renters currently living in them.  Now we are firmly in the mortgage process, which is such a pain in the butt.  Not difficult, just tedious and time-consuming.

Now that we have answered the question of where we are going to live, I’m trying to figure out the rest of our lives!!  I was able to schedule pediatric and dental appointments for the boys.  My older son is on the waitlist at 2 different preschools and I am waiting to tour facilities before plopping down tuition.  I’m having a bit of difficulty finding an adult dentist for myself.  Now that TriCare has switched from MetLife to United Concordia it is really difficult to find dentists that accept the insurance, especially since we won’t be stationed in an area with a base.  I know that I can go to a major chain (think Aspen etc) but I would really rather go to a private dentist.  So that is a bit of a pain in the rear.  I’ve put in notice with Joseph’s current school and with our on-post housing complex.

Overall I’m making great progress and feel like I’ve really got the logistics of our move under control.  We are now 3 weeks away from my husband’s change of command.  It’s going to go by in the blink of an eye… Can’t wait to see what else pops up!!