House lost in Fire... - Jeep Wrangler Forum
Jeep Wrangler Forum

Go Back   Jeep Wrangler Forum > JK Jeep Wrangler Forum > JK General Discussion Forum

Join Wrangler Forum Today


Reply
 
Thread Tools

Please support our sponsors and let them know you heard about them on WranglerForum.com
Old 10-13-2010, 07:13 AM   #1
Jeeper
 
HansB's Avatar
 
Join Date: Aug 2010
Location: Montvale, NJ
Posts: 161
House lost in Fire...

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.

Any prayers are appreciated.

HansB is offline   Quote Quick Reply
Old 10-13-2010, 07:19 AM   #2
Jeeper
 
Join Date: Sep 2010
Location: Chelsea, AL
Posts: 58
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.

TroutBumJK is offline   Quote Quick Reply
Old 10-13-2010, 07:20 AM   #3
Jeeper
 
Join Date: Aug 2010
Location: out west
Posts: 63
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.
Cunnart is offline   Quote Quick Reply
Old 10-13-2010, 07:53 AM   #4
Jeeper
 
mhaines's Avatar
 
Join Date: Aug 2010
Posts: 828
Our prayers for you and yours! I have a bunch of clothes that are headed to good will I'd you are in Indiana they are yours!
mhaines is offline   Quote Quick Reply
Old 10-13-2010, 07:57 AM   #5
Jeeper
 
InfernoGirl's Avatar
 
Join Date: May 2009
Location: Newburgh IN
Posts: 11,419
Awww man, that sucks.. But everyone is alright, the rest is just stuff.... Anything you need, just let us know
__________________

Dirty Mudder column covers|

'01 Wrangler Sport, Sienna Pearl Mine
'07 Rubicon 2D, Flame Red His
'11 Wrangler Sport 4D, Black Ours...

Quote:
Originally Posted by Kate View Post
Not every girl, is a Jeep girl. We're a special breed.
InfernoGirl is offline   Quote Quick Reply
Old 10-13-2010, 08:05 AM   #6
Jeeper
 
moscoeb's Avatar
 
Join Date: Sep 2010
Location: Richmond, KY
Posts: 840
D&#%m insurance!! Just tell em she sold all her stuff to you when she moved in!! glad to hear y'all are ok,
moscoeb is offline   Quote Quick Reply
Old 10-13-2010, 08:15 AM   #7
that's what she said

WF Supporting Member
 
jgano23's Avatar
 
Join Date: Oct 2008
Location: \m/-_-\m/
Posts: 16,482
Send a message via AIM to jgano23 Send a message via Yahoo to jgano23
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.
jgano23 is offline   Quote Quick Reply
Old 10-13-2010, 08:19 AM   #8
Official WF thread de-railer
 
Mr. Sinister's Avatar
 
Join Date: Jul 2010
Location: Fair Hill, Maryland
Posts: 3,707
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.
__________________
Bill
Mr. Sinister is offline   Quote Quick Reply
Old 10-13-2010, 08:42 AM   #9
ESP
Jeeper
 
ESP's Avatar
 
Join Date: Jun 2010
Location: NC
Posts: 11,501
Glad you and your family are ok. That's the most important thing and everything else can be replaced if needed. Good idea having insurance!
__________________
98 XJ 02 TJ 10 JK 13 JK

2013 JK - Lifted w/ 35s - Bilstein 5100s - Monster TB - Chopped Flares - Can't Keep It Clean
ESP is offline   Quote Quick Reply
Old 10-13-2010, 09:04 AM   #10
Jeeper
 
mrcarcrazy's Avatar
 
Join Date: Jul 2009
Location: Midland/Odessa, TX
Posts: 3,658
Really sorry to hear this. Damn insurance companies always find a way out of paying.

Best of luck in what I can only imagine is a very difficult time. I have no advice, just my condolences.

Have any funds / bank accts been set up?
__________________
#2 Jeep http://www.wranglerforum.com/f322/99...ld-819418.html
99 Sahara, automatic.
mrcarcrazy is offline   Quote Quick Reply
Old 10-13-2010, 09:09 AM   #11
Newb
 
Join Date: Aug 2010
Posts: 11
Hans-
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
Rubicon09 is offline   Quote Quick Reply
Old 10-13-2010, 09:09 AM   #12
Jeeper
 
jeeps&comics's Avatar
 
Join Date: Jun 2007
Location: Washington, DC
Posts: 925
Send a message via AIM to jeeps&comics
man thats crazy, sorry to hear.. hope all works out well with the insurance, and as stated before, just stick your guns. Best of luck with everything, let us know if you need anything
__________________
1994 Jeep YJ SE
6 cyl. 4.0 HO
jeeps&comics is offline   Quote Quick Reply
Old 10-13-2010, 09:11 AM   #13
Jeeper
 
SLIM_SNOOPY's Avatar
 
Join Date: Jul 2010
Posts: 390
Wish you and your family the best.
SLIM_SNOOPY is offline   Quote Quick Reply
Old 10-13-2010, 09:16 AM   #14
Jeeper
 
Cottageman's Avatar
 
Join Date: Oct 2010
Location: St. Catharines
Posts: 18
Looks like everyone has given you some good advice . . .
Glad to hear your family is ok.
Us Jeep guys and gals all look out for one another. . .
Keep your head up and be positive!!!
__________________
OIIIIIIIO
Cottageman is offline   Quote Quick Reply
Old 10-13-2010, 09:36 AM   #15
I do my own stunts.

WF Supporting Member
 
yomondo's Avatar
 
Join Date: Sep 2010
Location: Burbank, CA
Posts: 2,811
I'm really sorry to hear about that, brother. You, your fiancee and her boys are in my prayers. You'll come out of this stronger and closer, and in time you'll find yourself at a better place. Peace.
yomondo is offline   Quote Quick Reply
Old 10-13-2010, 09:39 AM   #16
Jeeper
 
Sekstrand3's Avatar
 
Join Date: Aug 2010
Location: Back in Cali for awhile :)
Posts: 488
There isn't anything that says because you were engaged it will be covered? Cuz you have the intent of getting married and will be married soon? Just a thought
__________________
Sheldon Ekstrand
2003 Jeep Wrangler Rubicon

"It's a Jeep thing... You wouldn't understand."
Sekstrand3 is offline   Quote Quick Reply
Old 10-13-2010, 09:50 AM   #17
jcf
Bludger

WF Supporting Member
 
jcf's Avatar
 
Join Date: Dec 2008
Location: Moab UT
Posts: 12,823
Send a message via Yahoo to jcf
Sorry to hear about your misfortune, just ask for help & many people would be willing to help,including me jules10059@yahoo.com please don't hesitate
jcf is offline   Quote Quick Reply
Old 10-13-2010, 11:58 AM   #18
Jeeper
 
john's ct jeep's Avatar
 
Join Date: Apr 2009
Location: Connecticut
Posts: 1,146
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
john's ct jeep is offline   Quote Quick Reply
Old 10-13-2010, 01:11 PM   #19
Jeeper
 
JeepCreeper's Avatar
 
Join Date: Apr 2010
Location: Garth Brooks, Oklahoma
Posts: 545
Quote:
Originally Posted by HansB View Post
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.
Tell the insurance company you are an immature cross dresser.

j/k.


Seriously I hope your insurance company does the right thing and you get all your things replaced.
JeepCreeper is offline   Quote Quick Reply
Old 10-13-2010, 01:17 PM   #20
Jeeper

WF Supporting Member
 
joemd60's Avatar
 
Join Date: Mar 2009
Location: MA.
Posts: 1,613
I am very sorry for your misfortune HansB, but glad to hear everyone is ok. Good luck, my prayers are with you.
joemd60 is offline   Quote Quick Reply
Old 10-13-2010, 01:21 PM   #21
Jeeper
 
toshpate's Avatar
 
Join Date: Feb 2010
Location: Oklahoma
Posts: 19,285
Images: 4
Send a message via AIM to toshpate Send a message via Yahoo to toshpate Send a message via Skype™ to toshpate
sorry sweetie.. glad you and the fam are ok tho
__________________

GOOOOOOOOOO POKES!!!!!!
toshpate is offline   Quote Quick Reply
Old 10-13-2010, 01:29 PM   #22
Jeeper
 
Walkingstick's Avatar
 
Join Date: Aug 2010
Location: USA
Posts: 1,736
Sorry to hear about that.
Hope everything turns out ok
__________________
Make Sure Everyone is Dead within hearing and sight range. Only then, you can say any area is cleared.
Walkingstick is offline   Quote Quick Reply
Old 10-13-2010, 02:46 PM   #23
Jeeper
 
Hilldweller's Avatar
 
Join Date: Apr 2008
Posts: 4,084
This you?
10-7-10 Montvale - 2nd Alarm - Bergen County Fire Photos

My brother and sister-in-law are right by you in Park Ridge. Holler if you want me to hook you up with Joanie's church group; I'm sure they could get some clothes for your fiance and her son.
__________________
Gone camping,
Bill

Hilldweller is offline   Quote Quick Reply
Old 10-13-2010, 02:51 PM   #24
Jeeper
 
HansB's Avatar
 
Join Date: Aug 2010
Location: Montvale, NJ
Posts: 161
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 is offline   Quote Quick Reply
Old 10-13-2010, 03:02 PM   #25
Jeeper
 
WhiteCSD's Avatar
 
Join Date: Oct 2010
Location: Austin, Tx
Posts: 47
As other's have mentioned, the important things (your fiance, kids, dogs, and Jeep!) made it out. The rest is just stuff.

Best of luck.
WhiteCSD is offline   Quote Quick Reply
Old 10-13-2010, 03:19 PM   #26
Jeeper
 
Hilldweller's Avatar
 
Join Date: Apr 2008
Posts: 4,084
Quote:
Originally Posted by HansB View Post
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.
PM on the way.

Let's get this all behind you. Like everyone is saying, stuff is just stuff. The family and Jeep are okay and that's all that matters.
__________________
Gone camping,
Bill

Hilldweller is offline   Quote Quick Reply
Old 10-13-2010, 03:24 PM   #27
Jeeper
 
mrcarcrazy's Avatar
 
Join Date: Jul 2009
Location: Midland/Odessa, TX
Posts: 3,658
Hilldweller, I looked up that same link.

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...
__________________
#2 Jeep http://www.wranglerforum.com/f322/99...ld-819418.html
99 Sahara, automatic.
mrcarcrazy is offline   Quote Quick Reply
Old 10-13-2010, 03:28 PM   #28
Jeeper
 
Hilldweller's Avatar
 
Join Date: Apr 2008
Posts: 4,084
Quote:
Originally Posted by mrcarcrazy View Post
Hilldweller, I looked up that same link.
Yeah; Montvale isn't that big.
Fires are big news.

My buddy from HS works at MB-USA there in Montvale. Every time I need a dose of NJ accent I call him or my brudda...
__________________
Gone camping,
Bill

Hilldweller is offline   Quote Quick Reply
Old 10-13-2010, 04:26 PM   #29
Jeeper

WF Supporting Member
 
JKGirl's Avatar
 
Join Date: Sep 2010
Location: Indiana
Posts: 487
Glad everyone got out okay. I can't imagine what you are going through. If you need anything please let us know. Luckily all the stuff can be replaced.
JKGirl is offline   Quote Quick Reply
Old 10-13-2010, 04:48 PM   #30
Jeeper
 
HansB's Avatar
 
Join Date: Aug 2010
Location: Montvale, NJ
Posts: 161
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.

Hans

HansB is offline   Quote Quick Reply
Reply

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Jeep Wrangler Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
10 Rules for Thanksgiving Dinner at MY House!!! 02Prove Off-Topic 24 10-18-2010 11:50 AM
Fire Lane yj-genral Off-Topic 36 09-03-2010 12:20 PM
White house writes the news JCS05Rubi Off-Topic 6 05-24-2009 12:29 AM
Let's Say I Break Into Your House.... jgano23 Off-Topic 34 12-22-2008 03:37 PM
SoCal wildfires skeeter Off-Topic 23 10-24-2007 05:17 PM



» Featured Product

All times are GMT -5. The time now is 02:52 AM.



Jeep®, Wrangler, Liberty, Wagoneer, Cherokee, and Grand Cherokee are copyrighted and trademarked to Chrysler Motors LLC.
Wranglerforum.com is not in any way associated with the Chrysler Motors LLC