'X' marks the spot

A quick recap--we've been in the midst of a tripartite tornado with the players barometric forces, Peoples Bank (lender), Wilderness Surveyors, and Hartford Insurance (since replaced by a local insurer, Insurance Center).

The crux of the matter is this: Zone AE vs. Zone X; the bank insists we're in Zone AE, the most risky of zones and requires the most expensive insurance.

All the other players, including some lesser players, engineers and DNR experts say that we're in Zone X, the least risky in terms of potential flooding. Despite the fact that we (used to) live mere feet from the river, it's a very safe body of water regulated at both ends by federal dams.

The surveyor was out this morning, took measurements, took pictures, filled out the elevation certificate, which says that we are in Zone X.

To date we have spent over a thousand dollars on this alone, and lost hours of sleep. I can not imagine that the bank will require us to keep hiring surveyors until we find one that agrees with their assessment. But I wouldn't put it past them.

Stay tuned.