u/NukinDuke

Got a lot of friends in my age range (95) who have been getting hammered by this economy. How are you all holding up?

For me:

Role: Manager of Project Management Industry: Government Salary: $125k

Prior to this, I was laid off twice working in tech, went into healthcare regulation, and found myself in government. It took around 3 months to find my current role, whereas normally people would throw interview invites at me, so the market definitely shifted. Now that I'm in state government, I'm hoping to never deal with this kind of turmoil again.

Edit: A few people have messaged me asking to look at their resume, so I'll put it out here. Sure. I'm not charging shit and I don't mind helping others.

Long story short, I'm successful in my role and professional world as a project manager and work with people across many, many industries. I'm not writing this for any self-promotional reason, and I don't charge shit because I want to do things out of good will because this market is fucking horrendous.

I posted here because I see a lot of people in my age range (95' represent) who are getting hammered by this market. What would be the best forum or avenue for offering this?

Edit: Appreciate the comments so far.

• No, this isn't AI slop. I'm sorry we've reached a point where good grammatical structure indicates AI use. This is, unfortunately, very real for me.
• Many of you have validated that this is a really gray, tricky area. Thank you!

Hey everyone, looking for perspectives on whether my insurance company is handling this correctly or if I have a legitimate dispute on my hands.

Quick Summary:

• Homeowners policy with AAA in Illinois
• Policy includes the "Water Damage - Sewer, Drain and Sump Pump" endorsement that I pay extra for.
• Loss date: April 14, 2026

Long story short: I have an exterior basement stairwell with an areaway drain at the bottom — its job is to collect rainwater and drain it away from the foundation, so water doesn't pool against the basement door. During the storm, that drain got clogged and backed up. Water overflowed the drain, accumulated in the stairwell, and eventually the volume and pressure forced water through, around, and underneath the exterior basement door into our basement. About 4 inches of water in the basement foyer, mechanical room, and laundry closet. Damage to walls, trim, doors, and flooring.

Denial: AAA denied my claim twice, initially saying that my policy has water damage exclusions. They ignored my endorsement outright that literally has provisions from the endorsement to include this. I called it out and said the language they're using is what's reflected on my endorsement (the initial denial letter made no reference to my endorsement).

After pointing out my endorsement, I was denied again: even though the areaway drain clogged and backed up, the water that accumulated in the stairwell became "surface water." Because it entered the basement through the door rather than directly through the drain fixture itself, they say it falls under the base policy flood/surface water exclusion and the endorsement doesn't apply.

The endorsement covers water "from outside the residence premises plumbing system that enters the dwelling or additional structure through household sewers, drains or drainage fixtures." The areaway drain IS a drainage fixture. It backed up. That's why water entered my home.

1.) Is ACIA's interpretation of the endorsement reasonable, or are they stretching to deny a covered loss.

2.) Has anyone dealt with a similar areaway drain / exterior stairwell backup and had success getting coverage under a sewer/drain endorsement?

Just got the lawn aerated, and I'm looking to seed the lawn up. Any recommendations from a spot like Crafty Beaver?