Welp, an amazing weekend on the lake took a pretty nasty turn by 10 AM on Sunday. I had just loaded up the boat and was getting ready to head home when Mrs. AE sent me this text:
Looked like a June Blizzard out there, but that is all chunks of quarter to pebble sized hail that slammed into our house at 50-60 MPH for about 10 minutes. I feel like I double jinxed us last week…….
First, I wrote this. “considering I resist tapping our Emergency Fund even when we have emergency worthy expenses – it’s going to take a missing finger for me to break into that” in my last post.
Then I replied to a fellow midwesterner about my love of storms on Friday.
Then Boooooom – people literally shoveling hail of their driveway in June. And I wasn’t even home to see it!
All HAIL the Emergency Fund
So I am eating crow, all my fingers are intact, but based on the damage in the backyard we will be paying our insurance deductible and replacing every piece of vegetation outside of our lawn. I spent a good chunk of time Sunday checking for damage, picking up the stuff scattered through our yard and filing an insurance claim. Looks like we will be tapping into our Emergency Fund stash after all.
Our trees are pretty much striped, two Tomato plants are still there but I doubt they will make it (no fresh veggies for us this year 🙁 ). Everything else was ripped out of the ground (including the onions). I am assuming the hail took enough dirt off for the wind to do the rest. Hopefully, the trees don’t die, it would be a shame to have to rip them out and start over, even though they are only a few years old.
Something I didn’t see until this morning was the beating our air conditioner and door took. All of the fins on one side are smashed in and it literally took paint off our door. Those black specs are little rocks from our shingles, will be surprised if those aren’t going to be replaced along with the siding.
At the end of the day, everyone is safe. Mrs. AE said she thought the sliding glass door was going to explode into the house so it was dicey for a few minutes.
Minimum Emergency Fund
Based on all the stats I have seen lately about less than half of all Americans can come up with $400 in a pinch, I recommend you have at least your insurance deductibles stashed away somewhere safe. It sucks when stuff happens that is out of your control, but it sucks a lot less if you planned ahead for it. So go check out your policies and set that as the first goal if you don’t have an emergency fund today.
So go check out your policies and set that as the first goal if you don’t have an emergency fund today.
That’s all I got for now, I will update this post as we go through the insurance process. This is the first claim I have ever had to submit so it is new to me.
I will say that the storm looked beautiful before it came through and ruined a bunch of our stuff