I'm sure you won't be shocked to hear that Mrs. HM is past due on her bills again. Through no fault of her own, mind you! There is plenty of money in the coffers. We just sold a flip house(s), you know! Got all our investment back, and more. Nor is Mrs. HM a scofflaw who thinks she deserves something for nothing. When she gets a bill, she pays it. Usually that same day, or the next.
Saturday evening, Farmer H brought in the mail. That was August 9, you know. It included an oversized square envelope with the return address of our insurance company. Not the one we've had for over 30 years, but the newest one that we use for the Bargan House flip, and our Hillbilly Mansion, since Farmer H switched our coverage for our home in January. He said the old company's rate was too high, and our agent agreed, but said he couldn't change it, and was losing a lot of customers.
Anyhoo... we left all our cars insured with the old company, out of loyalty. And also The Pony's house and the Double Hovel flip house(s), though they were through separate companies associated with the old insurance, only for rental properties. Let the record show that we always paid our Mansion and Pony House annually. When Farmer H changed our policy to the new insurance, he put it on a 2-pay plan. He went to the agent's office and paid him with a check in January. I made a note of it in the checkbook register.
Back to Saturday evening, when I opened the insurance envelope, thinking it was the bill for the next six months.
IT WAS A CANCELLATION NOTICE!!!
That was quite a shock. Unsettling. Embarrassing. We pay our bills! IF we GET them!
I do not contemplate paying a bill six months down the line. I have other things rattling around in my head. I figure I'll get a bill when I owe something. I'm not setting up autopay for a twice a year bill that is thousands of dollars.
Anyhoo... the letter said that the payment had been due by July 31. And that unless payment was received, the policy would be cancelled on August 17. Thank the Gummi Mary, the mail had been on time with this cancellation notice, having been sent on August 6, arriving on August 9. Well. There's no way to pay that bill on a Saturday night. Or Sunday. But Monday morning, Farmer H was at the insurance office, with a check made out for the amount we paid on January 31.
I didn't know if that was the right amount, because sometimes there's a few cents difference, or there might have been a late fee because we missed the deadline. I told Farmer H that I doubted that would keep them from accepting our check, and that if it was more, he could just pay that portion from his pocketful of cash he uses when he finds a bargain.
The Agent is a young guy. He told Farmer H he'd been watching our account, and saw that it wasn't paid. He had thought of calling, but he didn't. I WISH HE HAD CALLED! Farmer H explained that we hadn't been getting much mail. Sometimes days without it. He is missing a package. And our separate financial statements that always come at the same time did not, with mine arriving five days before his this month.
The Agent said he understood, and took the check. Heh, heh! He probably ran right to the bank with it, lest we stop payment, or not have the funds. I wouldn't fault him for that. His living depends on a percentage of his policy payments.
Farmer H came home with the big envelope, but not the cancellation notice! Of course he got a chewing-out for that.
"It had all the policy and account numbers on it! How am I supposed to keep a record of this? What if it happens again? How am I going to find out the details?"
"He kept it! He attached our check to it. He give me that receipt."
"This receipt is the size of a Post-It Note! It just has the amount and his signature. No policy or account numbers or dates of coverage! I don't know why he needed that notice. He has all the numbers in his records."
"I don't know, but that's all he gave me."
I guess we're lucky that the policy didn't get cancelled on July 31. The way my luck has been going, the Mansion might have been struck by lightning on August 1.