You know, I’ve had some really great people go up to bat for me in my journey to create a miracle for my husband. I just wanted to give you all an update on what’s going on.
For the past year or so, my husband worked in a studio owned by someone else. We paid them rent for the space and always dreamed of having our own studio one day. Well, fast forward to a couple of months ago and the person who owned the studio decided to close up shop. We saw our opportunity and seized it and we now own the studio and in turn rent out space to other teachers. In essence, it pays for itself.
Why am I telling you this? Well, you see, one of the requirements in our lease was that we had insurance for the office and part of that coverage included my husband’s equipment. When I read through the policy, it said that they are only covered while in the business or in the vehicle within 2000 feet of the business - neither of which were true. My husband is relentless, so he called the insurance agent anyhow and we were quite surprised to hear that quote, unquote “they should cover it.”
We finally heard back from the adjuster a couple of days ago and sure enough, our agent had added a “floating” policy to cover the instruments in any location. It was an incredible relief at first, but then we realized two things. One, we have a $500 deductible. Two, he had only insured it for $1100, which was the price he originally paid for it several years ago, not the replacement cost. With a replacement cost of $1799, that put a slight damper on things.
So yesterday we find out that our deductible for the instruments is only $250, which made things a little better. He talked to the adjuster again and explained the situation and so she told him to send her a copy of the police report and a copy of the list price and she would speak to her supervisor. He faxed both of them to her yesterday and they did something amazing. They waived the deductible for us and are going to send us a check for $1100. It should have been mailed today and we should receive it in a couple of days.
So, once we have the check in our hands, we’ll go back to Guitar Center and talk to one of the managers there that we know really well. He’s going to try to talk them down to $1500 which means we’ll only have to come up with $400. I’ve received a little over $200 in donations/scratchbacks so we’ll only have to come up with $200 on our own. With our stimulus check coming on Friday, I can do this.
It’s been a crazy turn of events, but between the kindness of strangers and prayers, a miracle has definitely happened! My husband should have a new guitar by Monday as long as all goes well. He works so hard and I’m so incredibly happy that this is working out the way it is.
A huge thank you to everyone who made this possible. I had fallen into such a deep depression over this and now the light at the end of the tunnel is in sight!
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