Driftless Mutual Insurance Company

expired Fifteen years of things that ran out and were kept. The hearing aid warranty ended in March 2026 and the RAV4's basic warranty in May 2025.

expiring_soon Ray's passport runs out in about eight weeks, before the anniversary trip to Norway they are planning for 2027. The truck's registration and policy and the dishwasher warranty end within weeks.

near_duplicate Each current policy sits next to last year's. Peg has an old and a new passport. Two diamond solitaire rings, hers and her mother's. Old and new doses of the same drug. Two jewelry appraisals eight years apart, whose names no longer say which is current. Two years of the accountant's summary. The 2019 wills and the 2003 ones are both still in the grey box, per two notes. Not every expired policy is labelled as such any more; the dates say it.

two_of_a_kind Two houses, each with its own policy, deed, tax bills and contents. Each policy has its own rule about freezing while the place is empty, with different numbers. Three cars, one of them sold. Two dogs, one of them dead.

only_in_file The facts kept in one file and nowhere else. The long-term care daily benefit ($272.27) is only on the schedule. The life policy's cash value is only on its statement. The cabin's wind deductible ($7,700) and its theft and tree limits are only on its declarations. The house policy's jewelry sublimit, water backup limit and the rule about leaving the house empty in winter (condition 6.4, on page 5 of 8) are only in the policy. Ray's LDL of 68 is only on the lab sheet. Adjusted gross income for 2025 ($116,640) and for 2024 ($109,870) is only in each year's summary. The truck's title number is only on the title (that there is no lien also follows from the purchase receipt's "no loan"). The value of Peg's IRA is only on its statement. The septic system's design and the county's three-year pumping rule are only on the permit.

not_saved Ray has no birth certificate saved, though Peg has hers. No marriage certificate is saved. The boats are insured but have no title or registration saved. The RAV4 has no title document; the F-150 does, twice over. The CR-V's title was signed over without being copied. Neither will is scanned, nor Ray's health care power of attorney, nor any tax return, only the accountant's summaries for 2024 and 2025. None of the children's or grandchildren's SSNs or passports are saved. Why each is missing is under fact_sheet.missing.