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Hot Rod Forum : Hotrodders Bulletin Board > General Discussion> Hotrodders' Lounge> Bad Luck Strikes Hard Friday the 13th
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Topic Review (Newest First)
08-26-2012 11:45 AM
bigblockragtop To put it in perspective "NO HUMAN CASUALTIES" All replaceable with time and money. Good luck and have fun getting new stuff! This is not cancer or a heart attack just material stuff. Be happy.
08-26-2012 08:35 AM
OneMoreTime google up concrete restoration products and services..redoing a fire damaged floor is one job I would like to farm out as the materials and technique is a special deal.. just an aside in my working years we did a lot of buildings and that particular thing we had a sub-contractor do..

Sam
08-26-2012 08:16 AM
timothale
reread

I reread the posts, From experience the Photos, and papers will deteriate over time from the chemicals in the smoke and retardant. so get copies made asap. also in a house fire Mirrors will go bad after a couple years, have the insurance Co guaarantee that if you follow their recommendaations they will guarantee your stuff won't go bad later that only had "smoke damage". , electronics guns,etc.
08-26-2012 08:09 AM
timothale
Replacement coverage

Besure you have replacement coverage, and make sure to have your agent check you are covered for more than normal home owner allowance, most policies have a limit on what they will pay unless you declare more than normal items, tools, art work, guns , jewlery, etc.. You have to pay a few dollars more for the extra coverage. I had a fire in 2001 in the old Barn and shop when in the process of moving, I already had the zoning approval for a new 40 x 120 ft metal building to be built. .I had full coverage replacement , I started doing the inventory and most companies only pay you the depreciated value until you buy the new replacement item. The adjuster asked how much I was going to replace. I said I just hauled this stuff 900 miles , everything, He said lets stop doing all this paperwork, and we worked out a cash settlement agreeable to both of us.
08-26-2012 07:50 AM
dbrow6272 Things worked out well with the insurance company. The actually had brand new Snap On, and Craftsman Tools delivered to my home and sent me a check for a tidy amount to replace tools they could not send. I have purchased most everything and will be sending them receipts to get the balance of the money sent. All in all not a horrendous experience. Still have to redo the cement floor and can't quite figure out how to go about it. I have to clean the burn marks first, then level the spots that popped up, then I think I will paint it. Any ideas?
02-26-2012 11:24 PM
Rerun Rodder Sorry to hear of your loss too. Just my 2 cents worht: Years back I had a fire in a rental property. only fire I ever had thank God. I used a Public Adjuster to fight for me with great success. They meet the insurance Company head on. Less expensive than an attorney as they are legal experts not usually tool experts. try the yellow pages. Just a thought. Best of luck with it all. Sorry you have to go thr.ough this.
02-23-2012 06:29 PM
willowbilly3 Many of us who own the best and have made a living with them wouldn't think your discipline at all anal. I still have the first SK socket set I started with 43 years ago when I was 15. All my snap on and mac tools are 20-30 years old and like new, each in it's own place and clean.
02-23-2012 09:20 AM
wretched ratchet Something that lays in the backs of all our minds (along with an echo) and, as Randy said, just keep the faith. A lawyer is your friend in this case so use them. Good Luck with getting back to square one.
02-23-2012 09:13 AM
matts37chev yikes, thats a bummer, sorry to hear it
02-23-2012 08:35 AM
dbrow6272
Fire

The fire inspector and insurance inspector said it was electrical. They think it started in an outlet box. There was nothing plugged into the box, so whoever wired the building may have left a wire nut loose or off.
02-22-2012 08:48 PM
rsfyj
What was the cause of the Fire

It would be good for all of us to know how it started or what started the fire so we can all avoid what happened to you, Sorry about all you lost.
02-22-2012 08:09 PM
dbrow6272
Fire

I know the insurance company will attempt to put it to me so an attorney will be involved. I was a machinist over 30 years ago but my tools and Oak tool boxes were like new. I am very picky you might say about my tools. I even waxed my mechanics tool boxes on a monthly basis. Might sound odd to some but my stuff was always clean and in new like condition. If a socket got greasy inside I used brake cleaner on it before I put it away. A bit anal but I don't like going to my box and grabbing a greasy tool.
02-22-2012 07:58 PM
sbchevfreak Ouch, man I feel for you. I went through exactly the same thing. Lost all my tools in a total loss business fire, replacement value around 80 - 90K. Best advice, document everything, and talk to a lawyer. The insurance company will try to screw you in any way they can, so having legal representation will go a long way. I didn't, and go a big zippo from the insurance, and had to start over from scratch.
02-22-2012 07:51 PM
dbrow6272
Friday 13th

Amen and thank you.
Do an inventory on your tools including photos and cost now. Keep any and all receipts in a fireproof place. I am doing this after the fact and it is time consuming and of course after a fire, messy. I got some latex gloves to wear as I handle the tools so my hands don't get black. Didn't do this at first and that soot takes a few days to get off no matter how hard you scrub. The fire captain told me they add a chemical now to the water to help put the fire out faster and completly. That is what makes the mess. Odd thing, I had some papers and photos in the box and some of these did not even burn while others did. We go on and pray things get better.
02-22-2012 07:46 PM
stich626
Quote:
Originally Posted by latech
I have photos of my tools, just open the drawers and shoot.I can write a list from that if needed, also I can show the police what the stuff looks like if it comes up missin.
kinda hard to argue with photos.
x2
my insurance company asked why I wanted x dollars of coverage for belongings inside the garage, as they said the auto coverage would cover the vehicle.. I shot photo's of the tools, and extra car parts, and they said ok.. we understand now..
good luck with the insurance.. at least it was only the garage..

my wife jokes if the house caught fire I'd be telling the firemen to aim the water at the garage and let the house burn.. thats not true, but funny anyways..
good luck
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