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Category: Rehabbing Fun Current Grade: A Total Views: 1325 Member Comments: 6 |
Posted on: 12/18/2007 Posted by: crystalwillett Blog Points: 5079 View all blogs >> |
I have pictures, if I can find my USB cord!
The fire did not start with an electric heater. The fire dept. says they are putting "unknown causes" as why the fire started. It appears to have started at an outlet in the wall, behind the couch. Tenants said nothing was plugged into it.
The house is a mess. The inside is totally gutted out, walls busted down from the firemen, every window busted out. Everything from the TV to the couch frame, refridgerator, stove and beds are melted into a lump. Their computer is just melted into a heap. It is very depressing for them because they chose not to buy renter's insurance.
My insurance inspector came out today. He started telling me that the type of insurance I have is DPI - anyone know about it? The FINE print starts coming out when there is an emergency. I had no idea that everything in the house is paid for AFTER they figure out its depreciation. So, as he explained to it me, if this window cost $300.00 to be put in, I might get $200.00 to put it in and good luck finding the materials and labor to match their cost. Does anyone know anything about insurances? This is the type of plan that I was given... wasn't given any choices in the matter and all of my houses are with this same agency.
Any thoughts on how to handle the insurance company - things to do and not to do?
As far as my tenants, they got a 30 day grace from court yesterday and they intend on staying in the house behind this house (I had 2 on the property). The 2nd house was like a hobby house. One room shack, we all called the "Love Shack". It has no kitchen or showers. I don't know if it's even LEGAL for a family to stay in the house. It does have 2 doors, but they had taken the shower out of the house and took the kitchen out. I guess it COULD be put back in and lived in. The shack used to be rented out for 8 years to a woman.
Now... with all this that has happened... the house is burned down. Of course, I still have to make the mortgage payments. Do I still get to add rent for the rest of Dec and up until Jan 28th? Everything seems so complicated, or am I just worn out and tired from it all?
Jeff - Your a good dude.
Sean
Jeff is right let him do his thing he looks like he knows what he is doing and he is right, no one got hurt that is a plus you will get threw this and maybe come out smelling like a rose. Let other people do what they know how and what to do. I've always said that to you when you working crazy hours and doing everything yourself well this time sit back and watch and learn from someone that seams like he or she knows what they are doing. If it was me I would give Jeff a chance to help you and if you have any doubts be a business women and get other advise and which one is best for you and your company.
Relax and let people work for you and help you , You have a great heart hang in there and like Jeff said sit down take a deep breath and think. What I do is get a pen and paper and find out your options and write them down and then look at the positive and the negative and go from there you will be fine Good luck
You will be fine, hang tough your strong and nothing is going to stop you . Ed
http://www.napia.com/
Welcome to NAPIA!
NAPIA is the National Association of Public Insurance Adjusters. Public Adjusters are experts on property loss adjustment who are retained by policy holders to assist in preparing, filing and adjusting insurance claims. NAPIA members across the United States have joined together for the purpose of professional education, certification, and promotion of a code of professional conduct.
What is a Public Adjuster?
Public Adjusters are professionals who are employed exclusively by policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.
What kinds of claims can a Public Adjuster help with?
A sampling of the types of residential or business losses a Public Adjuster can assist with:
Why does a property owner need a Public Adjuster?
A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.
here is a few I found
Interview them all, find out what kind of fee they charge? when they expect to get paid?
Member Details:
Southern Loss Consultants, Inc.
Web Site: http://www.southernlc.com
1200 Front Street, Suite 103
Raleigh, NC 27609
USA
Toll Free: (866) 861-8560
FAX: (919) 882-9176
E-mail: rizzo@southernlc.com
5821 Fairview Rd., Suite 215
Charlotte, NC 28209
USA
Goodman-Gable-Gould Company/AI, The
Tel: (704) 944-3163
Toll Free: (888) 755-4371
FAX: (704) 553-4197
E-mail:
Web Site: http://www.ggg-ai.com
Baldwin Company, Inc., The
Web Site: http://www.thebaldwinco.com
P.O. Box 34511
222 Baldwin Avenue
Charlotte, NC 28234-4511
USA
Toll Free: (800) 336-1116
FAX: (704) 335-1050
E-mail: wesbaldwin@thebaldwinco.com
Member Details:
Global Loss Services
Web Site: http://www.globalloss.com
311 Judges Road
1G
Wilmington, NC 28405
USA
Toll Free:
FAX: (910) 790-0476
E-mail: bhope@globalloss.com
Bottom line, what do you owe?
fax me the policy 239 543 1273
I just went thru this, allow me to help you
You need to hire your own adjuster
the house is a total loss they should pay the policy amount, its state specific though
yes keep making your mortgage payment
start planning, do you have them rebuild or take the check, sell the land and buy one of the market
Crystal fax your policy dec page to 239 543 1273 and let Uncle Jeffrey read it
and most of all, sit down take a deep breath and chill out, no one got hurt, you will be fine