Here There and Everywhere

Expat wanderer

“You Read the Policy?”

“You read the policy?” the insurance lady asked, and I could hear the laughter restrained in her voice.

“Yes, I did. It doesn’t cover much! With all the restriction, the flood insurance has to work together with the high wind insurance, and it seems to me I need to put the majority of my coverage there,” I replied.

“I’ve just never had a customer before who actually read through the policy,” she responded, her voice still bordering on laughter.

She and I get along great. She helped me out when a company refused to insure our Florida house, a year after all the insurance agencies had taken a major battering from an onslaught of hurricane losses.

I hate reading policies. Do you ever read through your credit card agreements before you sign them? Do you read through the restrictions on software before you download it? Do you know what your insurance REALLY covers?

Sometimes the cheapest policy isn’t always the best – it depends on how good they are when you need to make a claim. Even if you read the policies, it isn’t always what-you-see-is-what-you-get. You also need to check a company’s reputation for claims adjustments.

So far, we have been very lucky. We’ve never made a claim on our auto insurance; any accident – and there haven’t been many – have had only small damage, usually covered by the other person. The only accident I have had in the Middle East was when another American woman rear-ended me on the little road into our compound. The only claim we ever made on a house (we came home from a trip to discover a water pipe had broken) was wiped out by the deductible we had chosen, so we didn’t make the claim.

House insurance freaks me out. The power of almighty God is in a hurricane; a beautiful house can be nothing but shards and embers in no time at all. If you own a Florida house, you have to have separate policies for fire, for liability, for high wind (hurricane) and for flood. The total cost of all those insurances is about equal to one house payment. The fact that all my coverages come due during hurricane season works to my agent’s advantage.

You can track any hurricane/tripical storm in the world at Weather Underground.

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September 13, 2008 Posted by | ExPat Life, Family Issues, Financial Issues, Florida, Living Conditions, Weather | 3 Comments

Daddy’s Little Girl’s Car

When we saw this car, AdventureMan and I both just about died laughing. Look at that color! It is Barbie Doll pink! I don’t know if you can see, but it SPARKLES! Oh, look at those fabulous matching wheels!

Only two doors, but some carrying space in the back . . . only a Daddy or a doting Sugar Daddy would buy a car like this for his little girl!

September 13, 2008 Posted by | Community, Cross Cultural, Entertainment, ExPat Life, Family Issues, Kuwait, Living Conditions, Mating Behavior | 22 Comments

Streaky Sunrise

Circumstances had me up and about just before the sun was rising this morning, but I was filled with despair – how can I shoot the sunrise through these streaky windows? The men will be coming soon to wash the outside – more than 200 square feet of glass in our living room – the windows make up almost an entire wall.

The humidity of the last week made them damp and sticky, and then the sand storm blew in. The results are a disaster for my windows, now caked with burned on dust and grit, all streaked as the windows shed the day’s humidity.

This is what the windows look like:

This is what the sunrise looked like at 0h-dark-thirty this morning, through my streaky windows:

Here is what is going to happen. The men will come and wash my windows – but not until the day before the next humid day followed upon by another sandstorm. I will have about six hours to enjoy my beautiful diamond-sparkling-clear windows before they streak again. 😦

There is not a cloud in the sky. Weather Underground: Kuwait forecasts that today will reach 111°F / 44° C this afternoon. For my non-Moslem friends, try eating breakfast while it is still dark, early in the day, and then trying to get through a day like today without eating, drinking, smoking or coffee. God willing, there will be no humidity, which just saps the energy right out of everyone. God willing, because it is Saturday, most people will be able to stay at home and off the roads while they are fasting.

I had a man almost drift right into me yesterday in downtown Kuwait; I think he fell asleep as he was driving. Of course when I tapped my horn lightly to let him know he was drifting, he woke up and was all embarrassed and drove off with a roar, maybe to show me he hadn’t been sleeping, I don’t know, LOL. Mostly I try to stay off the roads myself.

September 13, 2008 Posted by | Community, ExPat Life, Kuwait, Living Conditions, Ramadan, Social Issues, sunrise series, Weather | 5 Comments