Deadly fire
- Thread starter giles
- Start date
Absolutely horrible.My condolences.
I would recommend hard wiring your smoke detectors.
Also be sure be damn sure you have a RCV (replacement cost value) insurance policy.
If you currently have a ACV policy (actual cash value) insurance policy you would never be able to rebuild back .
A ACV policy depreciates every thing . Say you have a 30 year shingle on roof and your roof is 20 years old you would only get 1/3 the money for your shingles.
A RCV policy will replace. the roof/shingles for what it costs.
One other interesting thing you have a house fire they send out somone to inspect home /how it happened . Like when my house burnt..
Was due to a wood burner that was installed 28 years ago. Bolton line it was an accidental fire .
Well you can’t get insurance on your home for 2 years I believe it was .
I can’t imagine what the family is going through and will go through with a death being involved.
I can state from my experience of house burning it was a total shit show. From insurance trying to fugg ya (50cents on the dollar for materials)
to even some of the people you deal with outside of insurance company.
I could rant for days. So when they said it was the fireplace the fella said he had talked to wife about the wood burner and that we had the paper work for it ..
I said why’s that matter he said well we’re (insurance company) going to go back and sue who ever put it in 28 years ago for the cost of everything. I told him I would have to look. Well we ended up having just the paper work of what kind of fireplace it was.
It’s a horrible experience and a ruthless process .
Oh one other thing make sure your insurance policy also has a clause in it if a fire were to happen you have a allowance rent it’s a long process if you have to rebuild.
In our case where we’re at. Oil and gas was happening rent was 3 k a month to rent a place that should have been 800 max plus your mortgage still needs paid.
Rant over . Really sorry to hear about this brother/Jamal
I would recommend hard wiring your smoke detectors.
Also be sure be damn sure you have a RCV (replacement cost value) insurance policy.
If you currently have a ACV policy (actual cash value) insurance policy you would never be able to rebuild back .
A ACV policy depreciates every thing . Say you have a 30 year shingle on roof and your roof is 20 years old you would only get 1/3 the money for your shingles.
A RCV policy will replace. the roof/shingles for what it costs.
One other interesting thing you have a house fire they send out somone to inspect home /how it happened . Like when my house burnt..
Was due to a wood burner that was installed 28 years ago. Bolton line it was an accidental fire .
Well you can’t get insurance on your home for 2 years I believe it was .
I can’t imagine what the family is going through and will go through with a death being involved.
I can state from my experience of house burning it was a total shit show. From insurance trying to fugg ya (50cents on the dollar for materials)
to even some of the people you deal with outside of insurance company.
I could rant for days. So when they said it was the fireplace the fella said he had talked to wife about the wood burner and that we had the paper work for it ..
I said why’s that matter he said well we’re (insurance company) going to go back and sue who ever put it in 28 years ago for the cost of everything. I told him I would have to look. Well we ended up having just the paper work of what kind of fireplace it was.
It’s a horrible experience and a ruthless process .
Oh one other thing make sure your insurance policy also has a clause in it if a fire were to happen you have a allowance rent it’s a long process if you have to rebuild.
In our case where we’re at. Oil and gas was happening rent was 3 k a month to rent a place that should have been 800 max plus your mortgage still needs paid.
Rant over . Really sorry to hear about this brother/Jamal
Trueroots
Member
10 hours in the books. Even kept my composure all day. W
1 day at a time, 1 hour at a time, sometimes 1 minute at time. You got this, your are there for your family and you damn well know we are here for you if you need anything and I mean anything. You know you can call or text me and many others anytime day or night.
we got you and yours. Prayers continue
Yup, I know you guys have my back. I am very thankful for that and that is exactly why I shared this with yall. As hard as it was to do, I hope I can help others with this.
It’s definitely got me thinking, buddy. Not just about fire hazards, but now also water related hazards. We can never be too thorough in our preparedness and attention to detail regarding hazards to our families and especially our young children. So thank you.
Big_Holla
Senior Member
Wife and I went to dinner and were driving by an old friends house and noticed it had burned down within the last couple days. His dad lives next door so we stopped in and ended up talking to his brother about it all. Guess he forgot something was on the stove and got busy trying to help his dad and it caught fire. Total loss on everything. Insurance was covering everything and even had him set up at a hotel north of there til the house gets rebuilt.
Your freind should check his policy to see if he has a clause in it for fire.
Staying in hotel was horrible for me had two dogs and 9month old baby.
Was really depressing. At that time ya oil and gas around people coming in hammered all through the night . (I get it
)anyhow we had a clause that we had so much we could spend on rent also they have to put you in a house that is comparable to the one ya lived in.
Our insurance tried putting us in houses in middle of town places I wouldn’t even have been able to put my tools so small..
That ended fast I told them there’s no way in fugg I’m not even going in house.
The sad part is there’s not a lot out there to help people when they have a fire to know their rights.
We ended up with a decent rental off the beaten path.
insurance wanted to skimp at every turn.
anyhow they have to put you up in a place comparable to what your house was like.
Ours tried hard not to but knowing your rights and policy helps.
Big_Holla
Senior Member
From what his brother said he was set up well. The hotel he is at is real nice and he has a view of the St. Clair River and Canada, same as what he has at his home. Sounds like everything is covered completely but will learn more when I actually chat with him about it all. Been a couple years since we sat down and had a few. He has gone through a lot over the years. A year younger than me and about 10 years ago he had a bad stroke. Really messed him up and in the meantime he ended up losing his dream home he built. Home was incredible. His dad owned a lot next door to him up by the river that he ended up giving to him so he could have a small house built on it, the one that burned down. A few years before that the youngest brother (of 3) was killed on a tree trimming job, they removed big trees from people's yards. Talk about a family that has been through everything but would still give you the shirt off of their backs.Your freind should check his policy to see if he has a clause in it for fire.
Staying in hotel was horrible for me had two dogs and 9month old baby.
Was really depressing. At that time ya oil and gas around people coming in hammered all through the night . (I get it
anyhow we had a clause that we had so much we could spend on rent also they have to put you in a house that is comparable to the one ya lived in.
Our insurance tried putting us in houses in middle of town places I wouldn’t even have been able to put my tools so small..
That ended fast I told them there’s no way in fugg I’m not even going in house.
The sad part is there’s not a lot out there to help people when they have a fire to know their rights.
We ended up with a decent rental off the beaten path.
insurance wanted to skimp at every turn.
anyhow they have to put you up in a place comparable to what your house was like.
Ours tried hard not to but knowing your rights and policy helps.
My bosses parting words today "it takes more than a beard and truck to be a man. You sir, are a man. You got this"
True statement right there. Just remember, we got your back, Jack!
Last edited:
