u/Interesting_Candy310

I have severe PTSD and the past year has been extremely stressful for me. I’m only 36 but I now look like I’m 45. I am really resisting the urge to get a face lift but has anyone ever done anything (literally anything) to mitigate or reverse some skin sagging and aging and generally looking old and haggard? I used to be beautiful when I was young and because of my PTSD (largely SA related) I feel like my life has been stolen from me. I am single and in very intensive therapy for this but I feel like it’s too late, like I already lost my value as a woman and especially because I look so much older than I am. I have even had two men from apps ask me if I am trans. Nothing against that but I’m not and it made me feel worse about myself. Any suggestions at all for ways to look a little younger and prettier would be appreciated.

My apartment flooded in February and I live in New York City. I was told that my moving expenses would be covered by my loss of use policy.

I was refunded my rent for February by my landlord and I haven’t been able to find new housing because the NYC housing market is insane, and I don’t have a support system and am staying with a friend’s mom because otherwise I’d literally have nowhere else to go.

I was told by my insurance representative that my moving and storage costs would be covered by my policy in February. I have this in writing. I tried finding housing and couldn’t so I am staying at my friend’s mom’s house indefinitely. Because of this I moved my belongings into long term storage in New Jersey so I claimed the final moving costs and tried to close the claim.

Well the insurance agent came back and said “since you haven’t been paying rent, none of those costs are covered because we only cover up to the costs after your normal bills.”

This makes no sense to me. The policy says “LOU does not cover ordinary expenses (existing rent, groceries, utilities you’d pay regardless of the loss).” Nowhere did it say “we only cover expenses that exceed your rent that you aren’t paying for an apartment that you don’t even have anymore.”

I am literally displaced and homeless because I can’t save enough money to find a new apartment in the city, it requires a huge brokers fee and two months rent. I am so confused and my insurance agent told me I was basically trying to exploit the insurance company. I didn’t even claim everything that was lost in the flood because I was tired and displaced. I am not trying to exploit the company. I was just told these moving expenses would be covered and then they turned around and told me that they aren’t being covered essentially because I’m not paying rent. Well I’m not paying rent because I was displaced and I can’t find a new apartment. How does this make sense? Is there any recourse here?

They also, in their final letter to me, miscalculated my rent that they based their calculations off of. They said my rent was 200$ more than it actually is because they didn’t understand how to read a NYC rent stabilized apartment where the rent that I pay is less than the total legal rent. How is it legal on their end to deny a claim based on a false premise about by monthly expenses?

I’m so exasperated and feel stupid. Is there anything I can do here?