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#1 2006-12-13 7:52 am

nannyandnutro
Who's your nanny?
From: Minis Tirith, TN
Registered: 2003-02-12
Posts: 1752

We lost our house

Sunday morning, a fire started in our garage that took nearly our entire house within an hour. Everything is gone.  The firefighters were able to rescue our kitties and neither my husband or I was hurt.  That makes this bearable.  We are still in the early stages of accepting this but I am wondering as we start dealing with the insurance company if there is any advice that will help ensure we can find a way to not get screwed over.


Carl: Meat-man... ever since my son was... never born, because I've never had consensual sex without money involved... I've always kind of looked at you as... a thing, that I could live next to... in accordance with state laws.

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#2 2006-12-13 8:24 am

Malkin
I killed my dinner with karate
Moderator
From: The Zenith City
Registered: 1999-02-22
Posts: 10072
Website

Re: We lost our house

Wow.  I'm so sorry to hear that.  That's absolutely devastating.  I am very glad to hear everyone is ok though.  I don't know anything about the insurance company, but if there is anything else I can do to help you guys, please let me know.

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#3 2006-12-13 8:27 am

Pariah
James Carville Fan..
From: Belly Of The Beast, Oklahoma!
Registered: 2001-05-24
Posts: 18899

Re: We lost our house

Yikes, Thats terrible!! Glad all the life forms got out, that really is the big deal.
I dont have any advice just some empathy.


“You measure a democracy by the freedom it gives its dissidents, not the freedom it gives its assimilated conformists.” Abbie Hoffman

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#4 2006-12-13 8:29 am

davic3
Mac Warrior
From: the place I just left
Registered: 2003-12-01
Posts: 1198

Re: We lost our house

I'm really sorry to hear that. At least you are all ok which in the larger picture is what is truly important.


"A bartender is just a pharmacist with a limited inventory."

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#5 2006-12-13 8:39 am

Mr. McPhee
Looking into the Sun
From: Number 9
Registered: 2004-04-14
Posts: 1220

Re: We lost our house

My heart felt condolences. It is a good thing that all living creatures got out unharmed! If there is anything I can do or you need please just ask.


Come play in the Sandvox for your Web Needs

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#6 2006-12-13 8:52 am

user
Your plastic pal who's fun to be with
From: I'm not getting you down, am I
Registered: 2001-10-15
Posts: 16304

Re: We lost our house

My brother's house burned down last year. They didn't have records stored in a different location about what they owned (who does? I keep MEANING to do it), so they spent hours at my house online looking for similar items to what they remembered they had in order to present a claim to the insurance company.

I'm glad your're OK. Didn't you just recently move into that house?


Aw, he's no fun, he fell right over.

Unless you become as little children, there's no way you will believe this crap.

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#7 2006-12-13 9:03 am

MrJ in OZ
Come and get one in the yarbles.
From: paradise
Registered: 2005-02-04
Posts: 3458

Re: We lost our house

Yikes!!

How did it start?


*Fallacy at its zenith kids.* "Who is this "we" you keep talking about? What price have "you" paid for this war? Blah, Blah. Its hardly a "we" proposition."

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#8 2006-12-13 9:08 am

dv
Negusa Negest
Moderator
From: Minneapolis, MN
Registered: 1999-08-30
Posts: 18243

Re: We lost our house

Pariah wrote:

I dont have any advice just some empathy.

That's some major suckitude, nanny. Hope you have a roof over your heads soon.


"Now commences the process of cutting off the head, which generally takes from an hour to an hour and a half by an expert workman with a sharp blade." -Reuben Delano, Wanderings and Adventures

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#9 2006-12-13 9:15 am

thume
Only in Lapland
From: Budapest, Hungary
Registered: 2004-11-05
Posts: 1352

Re: We lost our house

That's terrible, I'm sorry to hear it. sad
At least none of you were hurt.

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#10 2006-12-13 9:22 am

Fried Chicken
Member
From: Good question - keeps changing
Registered: 2003-11-17
Posts: 4564

Re: We lost our house

That really is horrible.

How did the fire start?  Do you have records on what you own?  Have you contacted the insurance company?


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Just because something is legal, doesn't mean it's right.  Just because something is illegal, doesn't mean it's wrong.

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#11 2006-12-13 9:29 am

justine
Elitist Beer Lover
Moderator
From: Sac'to
Registered: 1999-12-23
Posts: 28799
Website

Re: We lost our house

I'm real sorry to hear about this. If you need anything, let me know.

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#12 2006-12-13 9:29 am

DukeofNuke
Free Radical
From: Hazard
Registered: 2003-05-02
Posts: 2563

Re: We lost our house

Oh My!
Oh Nanny, I feel so bad for you.
Of course, I am thankful that everyone is alright.
My wife and I both have fires in our past. It feels just like a death in the family.
I wish I could help you with the insurance. Perhaps you should ask around locally for a good lawyers name, just in case.
Also, when you rebuild, try to stay away from Jim Walters. A good Norris or Fleetwood is built better.
(To the MAF: Nanny is in Tennessee. She knows what I'm talking about)
Stay strong.
Keep us posted. Let us know how it's going.
I'm sure we would all do whatever we can to help. Just ask.
sadsadsadsadsad


"If you want to kick a tiger in the ass, you better have a plan for dealing with his teeth."
- Tom Clancy

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#13 2006-12-13 9:46 am

General_K
Intentionally Left Blank
From: /home
Registered: 2004-11-18
Posts: 489

Re: We lost our house

Damn, that's awful, Nanny. I'm so sorry to hear that. sad
I'm relieved to hear that everyone is ok.

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#14 2006-12-13 10:25 am

Nefarious
Snowbelt Tailor
Moderator
From: 45°22"N 84°57"W
Registered: 2002-09-30
Posts: 8170

Re: We lost our house

Re-establishing identity: Get birth certificate, driver's license, social security card, bank account info, credit card info.    You should probably call the relevant offices.

You can cancel your landline telephone and other utilities.    Cancel your internet, probably.    Get a Google Gmail account or other free email.

Decide what address your snail mail should be forwarded to.

Call the Red Cross or Salvation Army.

Regarding the insurance company, get a copy of the policy and make a few copies, --> enlarged.

Good luck.


Team Folding:  Most Intel Mac users can upgrade to Folding@Home version 6.26.1

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#15 2006-12-13 10:45 am

Ice Cream Man
With QP technology
From: Mesa, AZ
Registered: 2002-04-17
Posts: 1324
Website

Re: We lost our house

Insurance company advice:
Well this is kind advice for next time, which hopefully there wont be. Generally you are supposed to keep a list, and photos of all major, important, and expensive items. And usually on that list you should keep a current price of REAL replacement cost. Because even though you pay potentially thousands of dollars in insurance yearly. They don't care, they will try and get off as cheap as possible, especially if you can't prove you had it. And generally it's good to keep this list, and photo's in a fireproof box, Also within this box should be ID stuff. like Birth Certificate, name change papers, voters registration, bank account info, and even non ID like Social Security cards, etceteras; keep it by the door(some place safe, but easy to access), and/or a duplicate at a friends, family, or neighbors house.

Last edited by Ice Cream Man (2006-12-13 10:49 am)


Part of the inhumanity of the computer is that, once it is competently programmed and working smoothly, it is completely honest.  -- Isaac Asimov

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#16 2006-12-13 10:50 am

PHUSMC
One thumbed gimpy
From: Kent, WA
Registered: 2006-05-14
Posts: 822
Website

Re: We lost our house

I'm really sorry to hear about what happened.  My advice is to just trust that God has something planned for you.  He works in mysterious ways and I'm here to prove it.


MacBook Pro 15.4"
2.5GHz CPU, 250GB HDD, 512MB VRAM

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#17 2006-12-13 11:51 am

Shadowless
Cpl, USMC
From: Jacksonville, NC
Registered: 2005-10-10
Posts: 3061

Re: We lost our house

That sucks. I hope you have a place nearby to go to (family, friends) while you deal with this. Unfortunately I'm in college and know nothing about real life so I can't help there. But I'm feeling quite compelled to go around my neighborhood when I get back from school and inform them that they should have pictures and records of all of their stuff, and even offer to do it for them.

Best of luck for the future. Hope everything goes smoothly with the insurance company.


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#18 2006-12-13 12:02 pm

sturner
Royal High Poobah
Moderator
From: Carrollton, TX USA
Registered: 2000-01-31
Posts: 14422

Re: We lost our house

My condolences. Keep talking to one another, it's so easy to let the anger and fear build up inside of you. Keep each other sane and grounded. Especially when dealing with the insurance company.


I'm not dead yet.
There are 3 types of people, those who can count and those who can't.
"There are few things graven in stone, excepting your date of death."

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#19 2006-12-13 12:39 pm

Robert B.
Reality Deficient
From: The pit of despair
Registered: 1999-03-09
Posts: 10300

Re: We lost our house

that's terrible. I'm sorry to hear this happened, but glad everybody is alive and ok.


"Evil will always triumph because Good is dumb."

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#20 2006-12-13 1:01 pm

tomfoolery
Zu-Zu-Zune!
From: Blue Zune of Death
Registered: 2004-10-22
Posts: 2303
Website

Re: We lost our house

I'm really sorry for you, your hubby and critters. Thank goodness you're all OK.

I hope you get it all sorted out quickly and painlessly.

tF


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Do you speak tF?

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#21 2006-12-13 3:04 pm

wellfleation
High on Life
From: Metheun, Mass.
Registered: 2001-11-13
Posts: 8889

Re: We lost our house

Sorry

This isn't even close to your situation, but some kids burned down my sisters shed. Her husbands Harley was in there as well as thousands of dollars of tools. The Harley was a Special Edition and also had a lot of add ons. They did not have any receipts but luckily I took a picture of the bike with my daughter on it a month before the fire - it was their only picture. They used the picture to get the full price of the bike (it showed it was in excellent shape as well as some of the add ons).

My advice would be to find as many casual pictures taken at your home by friends and relatives (ask them to look) which hopefully shows things of value that you can use to advocate for replacement value.

Good luck!


FIGHThttp://img.photobucket.com/albums/v317/wellfleation/stern-h1_01.jpgPOWER

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#22 2006-12-13 3:15 pm

Chickenhawk
Snark Snark Snark Snark
From: Being Snarky
Registered: 2005-06-01
Posts: 6011

Re: We lost our house

A big bit of advice my dad gave his brother when half of his house burned down (my dad works in insurance): DON'T let public adjusters talk you into anything. They are like ambulance chasers, and they follow the firetrucks, and they might show up while the ashes are still warm. Deal with your insurance company ONLY, and if the insurance company leaves you high and dry, only then might it be a good idea to go to somebody else to work with your claims.


The recent medical controversy over whether vaccinations cause autism reveals a habit of human cognition—thinking anecdotally comes naturally, whereas thinking scientifically does not. -- Michael Shermer

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#23 2006-12-13 3:33 pm

StaticAge
Fearless Vampire Killer
From: Crouching in your pea patch
Registered: 2002-08-28
Posts: 7117
Website

Re: We lost our house

That is horrible! I am really sorry to read this. But I am glad that your family (kitties included) made it out safe. I dont have any advice to offer, just my condolences.


"Live with your head in the lion's mouth. I want you to overcome 'em with yeses, undermine 'em with grins, agree 'em to death and destruction, let 'em swoller you till they vomit or bust wide open." -Ralph Ellison

"Overpower, overcome" -Cro-Mags

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#24 2006-12-13 4:23 pm

Denali
Chuck Baldwin McCain OR John McCain for hope
From: Mile High, CO
Registered: 2005-06-29
Posts: 1083
Website

Re: We lost our house

I know how a fire can change a life.  My only experience is when my dad's business caught fire.  We were lucky it didn't do more damage than burn up one machine, but it took weeks to get things back together.  A home is a million times worse.  I am glad your and your family are safe, I will keep you in my prayers so you can find a new place quickly and easily.

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#25 2006-12-13 5:43 pm

IcarusFountain
Damned Portals!
Royal Wombat
From: Stuck in 1 Infinite Loop
Registered: 2003-12-27
Posts: 6253
Website

Re: We lost our house

Wow.  I'm sorry for your loss.  I jokingly say that I pray for my house to burn down (so I can collect the insurance on the wreck), but honestly I don't know what I'd do if I were in your shoes and it actually happened.

My mother-in-law used to work for State Farm in Iowa; I'll give her a call after my final exam tonight and ask her advice.  I mention she's in Iowa because we've found that some of the finer details of dealing with insurance companies vary from state to state, but the general guidelines should be the same.

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