One of the many problems with home ownership is that a lot of people set out to screw you over, either deliberately or through their own negligence.
When I bought the Casa, my real estate agent recommended that we ask the sellers to include this Magical Insurance in their closing costs -- that way, if any major appliance or utility breaks down in the first year of home ownership, I can get it repaired or replaced for $60.
Well, a little while back my furnace stopped working. The effort I went to in attempting "self help" shall not be recounted here -- way too long.
The short story goes like this -- after awhile, I called my sorority sister Chrissy, who has a brother who does HVAC and recently located to New Denver. Chrissy's bro spent a couple hours cleaning my furnace before letting me know that without the rest of his HVAC guy equipment, there was no more he could do.
But he told me to call my Magical Insurance provider and have them come out and fix it for a $60 fee -- and he told me there were two things that needed to be fixed and/or replaced. But whatever I did, I wasn't supposed to tell the insurance company I already had an HVAC guy come out to look at it because they might try to invalidate my insurance.
So here's how the conversation went.
Insurance HVAC guy: Yup, looks like there isn't anything wrong.
Me: Oh ... really? Because it turns on for a little while, and then turns off before it ever gets up to the right temperature.
Insurance HVAC guy: Are you sure? It looks like it's going pretty well. (At this point, he had been looking at it for roughly one minute.)
Me: Um, yeah, pretty sure.
Insurance HVAC guy: Well, everything looks fine.
Me: Really? There's not something wrong with that blower-motor thingy?
Him: Hmm. I guess it is a bit dirty. I could clean it, if you want.
Me: That would be super. (And for $60, kind of the least you could do.)
Twenty minutes and a giant pile of dirt and cat hair later ...
Him: Wow, that was really dirty. Well, everything should be in tip-top condition now.
Me: Oh. So everything else is fine? It's all clean and ... that temperature gauge isn't broken? Because ... I googled it.
Him: (getting suspicious)
It's a fun game we played.