Finally, my house reconstruction nears completion. Yesterday they painted the interior of the house. All that is left inside is install new kitchen cabinets, and the sparkies trim out the house, installing the sockets, light fixtures, switches.
Outside, still stucco on the new garage, and exterior trim that is waiting on a backordered item. Right now 8 months since the fire. The job is close to on budget, so the insurance settlement should be enough.
Made out like bandits on the stuff in the garage that burned up. That was all stuff bought on the cheap at garage sales, or old and worn stuff. Paid out at about 75% of retail new value.
So for example, swim fins bought for $5 at a garage sale, paid out $15, and if we actually bought things, we got new ones and the insurance paid out the full retail cost.
It was like having a garage sale, but instead of raising $2000 for all our garage stuff, it paid out $30,000. Still out about $7,000 because the car and motorcycle were not covered, but clearly, still ahead. Spent several thou of that extra money for upgrades to the house like fully insulating the garage, and new interior doors, replacing the burned car with a van, and paying off the last bit of mortgage on the house, and the Subaru. All that took another 7 thou or so. Leaving about $15,000.
When we move back in in about two weeks, it will be much like the house is brand new, no mortgage, no car payments, and both of us retired now.
I'm not even going to say that it was worth it. The last 9 months has been pure hell, particularly because the house the insurance rented us was not good for my dogs, and the best fire reconstruction contractor in the area is a jackass. Lots of stress, tons of lost sleep and worry.
But on the other hand, our retirement plan had us debt free in two years, and plans to spend a lot of money remodeling the house. Now we are there, with the house like new, right now. No need for me to work two more years now.