I lost my house to a fire this past Thursday. It's just devastating and don't even know where to start to try to put our lives back together. Everyone, including our 4 dogs got out ok, but the house is pretty much gone. Not sure of the extent just yet, but it looks to me like it's a total loss.
On the bright side, my jeep was/is out having the Ripp supercharger/intercooler/headers put in so it survived. My hardtop, bikini, torneau, diamond plate floor mats, and any original parts that were replaced with aftermarket are all gone. Guess insurance should cover most of it, but what a pain in the ass!
One thing that is so unfair that I learned yesterday is that since my fiancee and I aren't married, none of her stuff or her boys' stuff is covered by insurance...way to kick us when we're down.
So Sorry to hear that Hans. I hope everything comes out ok. There may be a way around the loss of your fiance's loss. Make sure to talk it over with your insurance agent. Most agencies will cover whatever is in the house up to a certain amount of money. Again, so sorry to hear about that.
Sorry to hear about your loss. Hopefully anything you guys bought together for her or the kids will be covered. It's a shame that insurance is so underhanded in situations like this where you were in the same house.
sorry to hear that hansB. at least everyone was ok, in times like these you have to focus on the little victories. i would definitely contact your insurance agent about what is covered. if they are living in the house or had stuff in it it should be covered. insurance companies have no problem taking your payments and upping your premiums, but when it comes to shelling out $$$ that is a different story. they are going to try to cover as little as possible, but you need to be persistent. you will need to spend time on the phone and on hold to get seemingly nowhere, but be patient and keep holding. they make the claims process unbearable in hopes that you give up and they have to cover less. you have paid into this policy so that you have the "insurance" of getting your life back in order after a catastrophe like this, make them honor what you have been paying for all of these years.
Wow, sorry to hear about this. My only advice is make sure you fight tooth and nail for everything the insurance company owes you. If you can, a lawyer is not a bad idea, either.
Look at the positives, this may be an opportunity to start over with a clean slate.
Best of luck to you and your family.
Sorry to hear about your loss. I know how you feel. My wife and I lost everything we owned 2 years ago in a tornado including every vehicle we owned. The biggest thing I learned from that whole experience is that it is all just stuff and can be replaced life is far more important.
P.S. - I would fight with the insurance company on your fiancée's contents. They will try to keep every penny they can from you initially, just don't back down to them. Good Luck
sorry to hear about the fire. good to hear no one hurt. remember that when your dealing with the insurance company don't loss your cool. it's hard to do but stay the course and stay cool. easyer said than done, but you will win in the end. good luck
Just spoke with the insurance company rep again...he seems like a really standup guy and they are not nickel and diming me..yet. Seem to be more than generous with things, going to be renting a home nearby, no questions. But he says as far as her stuff and the kids stuff that there isn't anything he can do...that that's the way it is in NJ. She/the kids aren't covered. She would have required a separate policy or tenant insurance or be a named insured on the policy. Who knew...I figured the fact that she's lived here for so many years was enough.
Thanks to all for the well wishes. keep the prayers coming!
Yup...that's me! 69 Woodland Rd. Montvale.
My fiancee is from Park Ridge (1/2 mile away) Who's your sister in law and which church? You can pm me.
HANSB, If you or anyone else sets up a fund let the Jeep world know. Glad to hear they are going to try to take care of things, that still sounds like complete BS to me on the not paying fiancee's stuff...but It wouldn't be the first time an insurance rule blew my mind. Is there a commonlaw marriage law in NJ? I know in some states if you live with someone (opposite sex) for 6 months then you are considered married...if so you may be able to make that work for you...
From what I've been told, there is no common law marriage in NJ so we're kinda screwed there. That's the only thing so far that the insurance company has taken a stand on...they've been very agreeble on everything else. Of course, I say that with a grain of salt til I see the money!
I don't believe anyone's set up a fund or anything like that. I'd be too embarrassed to ask anyone to do that for us. Prayers are all we ask for right now. This is soooooooooooo difficult, stressful and time consuming...it's beyond belief, really.