Democratic Underground Latest Greatest Lobby Journals Search Options Help Login
Google

we had a house fire today.

Printer-friendly format Printer-friendly format
Printer-friendly format Email this thread to a friend
Printer-friendly format Bookmark this thread
Home » Discuss » DU Groups » Home & Family » DIY & Home Improvement Group Donate to DU
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 08:26 PM
Original message
we had a house fire today.
In the empty, was about to be sold house.

So no one was hurt, but the house is probably a total loss. It is insured, but my faith in insurance isn't the strongest. (Thanks, Katrina.)

I have very few details right now, I'm in a lot of shock but I just can't put this in the lounge where it probably belongs. The last thing I want is a flame thread over my (formerly) flaming house.



Refresh | 0 Recommendations Printer Friendly | Permalink | Reply | Top
 
LiberalEsto Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 08:34 PM
Response to Original message
1. I'm so sorry this happened to you
but it's good that nobody got hurt.
Best of luck dealing with the insurance.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 11:01 PM
Response to Reply #1
6. Thanks. I think I may need that luck. Thanks.
Printer Friendly | Permalink | Reply | Top
 
NMDemDist2 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 09:16 PM
Response to Original message
2. oh crap PCat!
that just sucks! and you were finally getting it sold too....

i'm so sorry :hug:
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 11:03 PM
Response to Reply #2
7. Yep. That's the first thing I said when I hung up the phone with
my (former) neighbor who called to tell me that the fire department had been called....

"D@#%$$%^*()(*&^%$ -- we were just about to close on it!"

I can't bloody catch a break.

Thank you so much.
Printer Friendly | Permalink | Reply | Top
 
AlCzervik Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 09:35 PM
Response to Original message
3. i am so sorry!!! Thank goodness no one was hurt so thats the brightside
Again, i'm very sorry for our loss. :hug:
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 11:03 PM
Response to Reply #3
8. I'm really glad no one was hurt and there's nothing of sentimental value.
If it had to go, there are far worse times, I guess.

Thank you.
Printer Friendly | Permalink | Reply | Top
 
Stinky The Clown Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 10:07 PM
Response to Original message
4. I'm sorry, pcat. But there may be some hope for you .......
The house is what it is. Presumably it was empty at the time of the fire (empty of belongings, that is). The insurance company has little quibble room. Where they get you is to beat you up over the value of that old teevee or that old bedroom set or those old clothes that you still wore. In other words, they quibble over 'stuff'. Hopefully, you had no 'stuff'. Just the (quantifiable) house itself.

They'll try to wear you down. Wear them down instead.

Good luck. We're all pulling for you.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-14-05 11:01 PM
Response to Reply #4
5. Thanks. Yes, it was empty.
And I just read the policy - as long as it wasn't vandalism, we're pretty much on legal clear ground.

I'd been out there this morning, in fact, doing some last minute cleaning (no good deed goes unpunished, right?). So I guess I'm really, really lucky that I wasn't there at the time when whatever it was went all sideways.

Now comes the pain and suffering of dealing with insurance companies.
Printer Friendly | Permalink | Reply | Top
 
Warpy Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 03:04 PM
Response to Reply #5
10. The fire department will do the arson investigation
and they'll determine where the fire started and the probable cause. The only disaster will be if homeless people or junkies had broken into it to squat while it was empty. In that case, you'll be stuck for the cost of demolition and your only hope will be to sell the empty lot for enough to cover it and the remaining mortgage.

Lesson: always pay for that vandalism clause if you're got a place standing empty for any length of time.

I sincerely hope it was wiring, although I doubt the prospective buyers will be particularly confident about the next house they find, having lost one to fire.

We're all hoping for the best for you.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 07:29 PM
Response to Reply #10
12. We have a clue as to what started it, just not specifics.
I can't really talk about it, but it was not squatters. Like I said elsewhere in the thread, I'd been in the house earlier in the day to do some cleaning before the final walk-through (dusting and the like) and it was still uninhabited. (Our neighbors would have let us know if someone had come in that way, anyway - they're "that type".) The bigger lesson is that when the wind blows out the pilot light, pilot lights may not be good things. (Electronic ignition makes me happy.)

I do feel bad for the buyers - but am glad that it happened before they bought it and got in.
Printer Friendly | Permalink | Reply | Top
 
SW FL Dem Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 01:27 AM
Response to Original message
9. I'm so sorry to hear this
I hope you take some comfort in the fact that noone was hurt and you didn't lose the things you hold dear. Husb has some good points. Luckily, if you were about to close on the sale of the house, you have some pretty good evidence of what it was worth. The insurance co. may hassle you on the allocation of the sale price between the house and the land, but you should be able to get a lot of good info on that from your local assessor/appraiser.

Good luck.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 07:31 PM
Response to Reply #9
13. Thank you. Today is definitely better than yesterday was....
We talked with insurance people today and are waiting on the final report from the Fire Marshall, but when I talked to him he gave me some preliminary findings. It's kind of sounding like one of those one in a gazillion things that is only one in a gazillion until it actually happens.

Printer Friendly | Permalink | Reply | Top
 
wildeyed Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 05:51 PM
Response to Original message
11. How horrible!
:hug:

Good luck dealing with the insurance. I am glad no one was in the house, but still, a house fire is a very traumatic occurrence.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-15-05 07:32 PM
Response to Reply #11
14. Thank you....
I took fire extinguishers to the fire department for testing today, and tested the smoke alarms and am working on scanning all of the critical papers for this house so I can burn them to CD and send them to my sister in IL.

Lots of lessons to learn.....

Thanks again!
Printer Friendly | Permalink | Reply | Top
 
eleny Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-16-05 01:10 AM
Response to Original message
15. What a shock!
I'm so glad you weren't in the house. That no one was there. This gives me the goosebumps since you were there earlier. I'm glad you're feeling better today.

And yes, electronic ignition is a good thing.
Printer Friendly | Permalink | Reply | Top
 
porter Donating Member (13 posts) Send PM | Profile | Ignore Fri Dec-16-05 04:46 PM
Response to Original message
16. Been there - Done that
A couple years ago my daughter's house burned.
We had to remove the remains and start from the slab.

The insurance was not a real large hassle - except for living expenses for her and her son. Our biggest problem was with the contractor who rebuilt the home. He gave us a price for the rebuild and a time of estimated completion. Get the time in writing. I would even build in a penalty for excessive over runs in time and maybe materials. Back to the time. The 90 day estimate ran one year because of his problems with crews and his general business. We did check him out with BBB and several of the people who he had completed work on their homes.
Printer Friendly | Permalink | Reply | Top
 
politicat Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-17-05 05:06 PM
Response to Reply #16
17. We won't be rebuilding.
We'll use the insurance to pay off the mortgage, clear the land and sell the land. We have another house and while the headache of dealing with the fire department, the police department, the insurance, etc is FAR worse than the headache of selling the house, it's not worth the effort to rebuild the house and then sell it. Someone else can do that, and have no unpleasant associations.

Question: is it normal for the police to be involved? (Or am I just being a social justice activist paranoid? *grin* )
Printer Friendly | Permalink | Reply | Top
 
DU AdBot (1000+ posts) Click to send private message to this author Click to view 
this author's profile Click to add 
this author to your buddy list Click to add 
this author to your Ignore list Mon Dec 11th 2017, 01:06 AM
Response to Original message
Advertisements [?]
 Top

Home » Discuss » DU Groups » Home & Family » DIY & Home Improvement Group Donate to DU

Powered by DCForum+ Version 1.1 Copyright 1997-2002 DCScripts.com
Software has been extensively modified by the DU administrators


Important Notices: By participating on this discussion board, visitors agree to abide by the rules outlined on our Rules page. Messages posted on the Democratic Underground Discussion Forums are the opinions of the individuals who post them, and do not necessarily represent the opinions of Democratic Underground, LLC.

Home  |  Discussion Forums  |  Journals |  Store  |  Donate

About DU  |  Contact Us  |  Privacy Policy

Got a message for Democratic Underground? Click here to send us a message.

© 2001 - 2011 Democratic Underground, LLC