Not Expecting the Unexpected by Carolyn Rayner

  • Sep 25, 2018




Three weeks ago, I received a call from a dear friend and neighbor that our neighborhood was flooding from a broken water main.  A giant water main (6’ in diameter) broke in our quiet neighborhood of Richardson near Breckenridge Park.  It came out of nowhere, just burst out of the street and over 100 million gallons of water started flooding my neighborhood.  Luckily, my house was at the far end of the street adjacent to where it broke.  Over 15 houses were completely flooded with the rapid rush of water ripping up sidewalks, alleys, streets, smashing into fences and destroying garage doors. The first floor of these houses was destroyed along with appliances, pools, cars parked in driveways and pool equipment.


Since that incident, there has been a barrage of uncertainty in deciding who is going to pay for this tragic event.  The pipe belongs to the North Texas Municipal Water District- a government entity, that have stated that they have immunity, so therefore do not have to pay for it. The homeowners have reached out to their homeowners’ insurance companies and the majority are saying they will not cover the claim.  This is the classic case of everyone pointing fingers at the other party.  My neighbors are outraged and have formed a social media site to get awareness of this issue out in the media and to put pressure on the Insurance Companies to do the right thing and pay the claims.


This has had all of us thinking. Do you know what is in front of your house, or for that matter, what is under your house?  And, would your homeowners’ insurance pay the claim for a tragedy of this sort?
And, most importantly, water damages your home so quickly that it would be hard to be reimbursed the full value of your appliances, furniture and keepsakes if something like this were to occur.  Do you even know what your items are valued at? Do you think you could remember the cost of the items you lost?


It got me thinking about my inventory and how I really don’t have one. My client at TakeStock could be a very big asset to me if this had affected my home.  TakeStock comes into your home, takes photographs of your belongings, does a complete inventory of your home and possessions, and builds you an online (in the Cloud) inventory of your home.  If you have receipts, they scan them and have complete documentation of your assets in case you had an unexpected tragedy such as the one my neighbors experienced.   It would be very hard for your insurance company to dispute the value of your items if they were inventoried in the way TakeStock documents everything you own.


So, after this unexpected event, I am now thinking about what I own both keepsakes and material items and planning for the unexpected. I realize the value of a company like TakeStock to protect me from whatever might be dealt my way whether it be a flood, tornado, hail storm, or something that literally takes me by storm.


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