I’ve tried a couple of times to write this post and failed. There’s a bunch of rejected drafts and I don’t know if this really encapsulates everything, but it gets closest. I’m still processing everything that has happened and am trying to work out what exactly it is I want to say, but I guess what I really want is to just record what 2016 was.
One of the hardest years I’ve had to live through.
Last year we had The Fire and I thought that losing pretty much all your possessions (clothes, treasures, instruments, music, technology, data, and all manner of things and stuff) would be the worst thing that could happen to you. Well, I was wrong, wait till to you have to deal with an insurance company.
The fallout from the fire has made the last twelve months just almost unbearable. We’ve had to deal with the chronic delays in getting anything done, inadequate paperwork, poor communication and an insurance company that seems reluctant to actually give us what our policy states. So we had to complain, and in doing so descended into another layer of hell. We’ve been in conflict for most of this year in an effort to just get home.
We have had to fight for everything. We had to fight in order to get anything done – from builders, to financial, from paperwork to any updates on progress. Everything (literally everything) this year has been a battle in terms of the company that ended up going all the way to the Financial Ombudsman Service where we finally reached an agreement to resolve our claim. A resolution that is basically them paying us the amount of money required to actually finish the job, and we who have to employ our own builder and project manage it all in order finish the job. Because this is what our house looks like:
This is the video I took the day we made our submission to the ombudsman’s office. This is 14 months after the fire. This is all the insurance company and the builder they employed were able to achieve in that time. The house didn’t burn to the ground and was structurally sound, all that had to happen was that it was repaired to its original specifications. We weren’t asking for more that, in fact we were ultimately making a number range of sacrifices and compromises in order to just get back home. But no one seemed to want to help us do that.
This process has confirmed all those worst fears about corporate motivations and how everything boils down to an economic rationale – they just didn’t want to pay out. They did everything in their power to delay paying us out any money. If they could pay less or not at all, then that was the course of action that was would choose. If they could delay making a decision, that’s what they would choose. The way they dealt with us a people was driven by this penny-pinching and economic rationale.
I wrote previously that
Logic is not your friend, it is the path to despair.
Logic in dealing with an insurance company is your worst enemy simply because things that make sense and seem reasonable don’t happen. They don’t happen because there is no economic rationale to support logic. It’s like an alternate universe where all the rules that govern physics and chemistry are completely reversed and randomised so that you’re unable to actually understand or comprehend anything. Nothing conforms to the norms and rules that you are used, the fundamentals and basis for understanding are gone.
Dealing with this ate up all my time and energy this year. And I was so driven and unrelenting in pursuing it because of how much fucking effort we had put into that house. The house didn’t represent just our Home, it was a portfolio piece and a testimonial to the literal blood, sweat and tears that went into making it ours. There was the mad rush to patch and paint when we first bought it. We drafted in friends and family to give us help get us get rid of the brown paint that adorned all the walls. There was putting up with a completely inadequate kitchen that was designed for little people and required you to stoop to wash the dishes. It had also no bench space and weird antiquated appliances that I refused to use for fear of explosions. It represents the amount of effort that was required to save and work along our career paths in order to fund the renovation work that we ended up doing. The kitchen that we spent huge amounts of time designing and tweaking and finding just exactly the things that we wanted. There was also the final nesting period before our daughter was born. I spent hours and hours patching and repairing the horse-hair plaster ceiling in her room as we finally put all the finishing touches on to get things ready for our little daughters arrival.
And we had that house for a couple of years. This little house, perfect for us and an encapsulation of who we were and what we had achieved.
And then The Fire happened.
And then the insurance company had happened.
And in essence what was under threat was our ability to go back and restore the little house that was ours, that we created and worked so hard for.
And so it drove me. Incessantly to argue, to fight and to doggedly go back and argue and complain and to complain more loudly until we were listened to.
But all we ended up settling was the policy, there’s no way to really compensate you for anything that you’ve suffered in this process. There is no real punishment for the insurance company either. There are no consequences for their bad behaviour towards us. Our case just gets marked as “resolved” because we accepted their offer, and the offer was purely to do what we were contractually required to do. There’s no penalty on the insurance company for the really shitty behaviour that they exhibited – the threats, the bullying, the delays. There were no consequences for their actions – we are the only ones that have to deal with those. We are the ones left inconvenienced. We are the ones left out of our home for 14 months and counting. We are the ones who have had to fight Every. Single. Day.
This year I’ve probably been the most stressed that I’ve ever had and that has had a really negative effect on my quality of life. It had an effect on my health and my motivation and my work. Trying to cope with the ongoing stress has eaten up so much time and effort that it’s literally drained me of energy. The decisions about food, activity, exercise, family and friends became secondary to just simply trying to get on with the fight and refuel and recover for the next battle. Because this is what this was, a series of ongoing battles, of getting one thing sorted only for the next one to rear its head. And then the next and the next. This wasn’t like a boxing match that was over in twelve rounds, this was more than twelve months of the fighting, twelve months of round after round, battle after battle, and it has worn me down mentally and physically. In the middle of November I broke. I got sick with the flu but since then health wise it’s been a bit slide. I’ve got pills to take but the real change that’s needed is much broader. I need time to heal and to make changes to a lot of aspects of my life – things that this Temporary Permanence doesn’t help.
One thing I’ve got out of this is an understanding of how neglectful I’ve been. I bought this on myself by not caring about me and now I have to deal with the consequences of being stressed for so long and having this kind of tension as a consistent companion. Physically and mentally I’ve been damaged by this experience, and I feel so guilty about doing that to the people I love most. I neglected myself, sacrificed in order to put my world right – and for what? A house? Want to guess how stupid I feel now?
This mental grind has transformed into physical consequence and I have to deal with it, and it is not a quick fix. It’s not just take a pill and it will be alright, this is going to be months of making significant life changes and improvements. Why these things didn’t take place was because there was no energy left to eat properly, exercise well, be mentally clear, be available to friends and family – all that got taken up by the fighting with the insurance company and dealing with this stupid claim.
So apart from all the celebrities dying, Trump, the rise of right-wing lunacy, the media falling over, Facebook and Twitter fuelling hate like petrol on a fire – apart from all that, 2016 has just been an atrocious year.
Previously, these end of year posts are a reflection on what is essentially year-on-year personal growth, but I think this year I’ve gone backwards. It’s an uncomfortable feeling knowing that you need to change quite significantly and that you fucked up. I’ve learnt that you really can’t neglect is yourself, your health and your friends and family and you can’t expect there to be no consequences when you do. And that’s kind of what 2017 will be for me – dealing with the consequences of a shitty year and some pretty awful decisions.
Maybe I’m not alone in that, maybe that’s what most people will be up to next year given what’s happened in 2016.
I suppose I’ll come out of this with at least one victory under my belt – that we did beat the insurance company. In the end it took a lot to get there but that doggedness that persistence paid off and now we can do things properly and we can get back home. We can return and inhabit that space and importantly apply that energy to making things better.
My daughter is going off to school next year and that is such a huge milestone in our lives. She inspires me to keep on going, to do better and to be better. 2017 is about change and about making things better and while there might not necessarily be growth, and that things might actually be really tough next year, it’s a time to bunker down and draw on our reserves. We are resilient and persistent creatures, and if I’ve learnt anything from this experience it’s that we can keep going, and we can keep standing up for what we need to stand up for.