Fire Insurance.

 
 
 
 
 
 
Flipperdipper
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Fire Insurance.

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Posted: 13.02.2025  ·  #1
As some of ye already know we had a disastrous house fire a few weeks before Christmas, no injuries thank God but about 70% of the house, a dormer bungalow, destroyed. Everything above wall-plate level will be in the skip plus one gable end will have to be knocked down to ground level. The main thing is we all walked away without a scratch and saved the MH as well, the rest is only sticks and stones and can be rebuilt. I can hear the cog wheels turning from here, NO.....it wasn't faulty electrical wiring. :lol: We're just about getting back to some kind of normality after spending weeks sifting through the remains to salvage what we could, that's the reason I haven't been on here for a while. What do ya mean nobody missed me :lol: :lol: On a more serious note, check your household insurance. We found out that we were a bit under insured for the house, I think it may have been my fault putting in the area of the house i.e. the footprint rather than the total floor area i.e. upstairs and ground floor. We had good contents cover so we should be OK in the end. Check your policy. Will the sum insured cover the cost of demolition, disposal of debris and rebuilding ? Contents, have you enough cover to pay the cost of replacing everything, not what you paid for it originally. Is your shed/workshop/garage and contents covered ? It's a hell of a PIA trying to make up a list of all tools and equipment you've collected and built up over the last 40+ years. Check your policy guys, it's an experience I wouldn't wish on anybody. The house will be repaired, summer's coming and there's motorhoming adventures to be made. Onwards and upwards. :up:


ntg
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Re: Fire Insurance.

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Posted: 13.02.2025  ·  #2
Really sorry to hear of your misfortune Liam, great to hear that there were no personal injuries .
Hope you get back to normal again soon and that the ins company do you justice.

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TommyS
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Re: Fire Insurance.

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Posted: 13.02.2025  ·  #3
So sorry to hear bout the fire. Hope you get things sorted as soon as possible.

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sprinter
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Fire Insurance.

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Posted: 13.02.2025  ·  #4
Nice to see you back again Liam, I always knew just like the proverbial penny, when you got your pencil sharpened and head around everything you'd surface again.
Best of luck with the rebuilding.

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Re: Fire Insurance.

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Posted: 14.02.2025  ·  #5
Sorry to hear about the fire. My father had a small one upstairs two to three years ago and I know the upheaval that caused, never mind something as bad as yours.

Glad you can see the light at the end of the tunnel and are keeping your spirits up. As you've said, no one was hurt and really that's all that matters which you quickly realise, when a sudden perspective of life in an event such as yours happens.

Good luck sorting it all out and rebuilding.

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eirebus
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Re: Fire Insurance.

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Posted: 14.02.2025  ·  #6
Very sorry to hear about your fire Liam, as you said, you all got out in one piece, thanks for the insurance warning, I can never figure out how much to insure the house for, I pick a figure and hope I got it right , hopefully I'll never have to test it, great to see you back here again , do you think you'll get any sunshine down there this year, it would be a nice change 😂😇

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Mark&Wendy
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Re: Fire Insurance.

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Posted: 14.02.2025  ·  #7
It happened to my brother in law about 12 years ago, week before Christmas. Whilst it was contained to the attached garage, the whole house and everything in it was smoke damaged. He ended up hiring an intermediary to ‘fight’ with the insurance company. We still talked about it every Christmas but they now have a house that is even more beautiful than it was before.

Thank God you are all OK and good luck with the rebuild.

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sprinter
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Fire Insurance.

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Posted: 14.02.2025  ·  #8
Quote by eirebus
,
"do you think you'll get any sunshine down there this year, it would be a nice change" 😂😇


Talk about kicking a man when he is down😱, and you, that has a Hurricane heading your way tonight, on his way trough trough the SSE. 😇😜😂


Flipperdipper
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Re: Fire Insurance.

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Posted: 19.02.2025  ·  #9
Quote by sprinter

Quote by eirebus
,
"do you think you'll get any sunshine down there this year, it would be a nice change" 😂😇


Talk about kicking a man when he is down😱, and you, that has a Hurricane heading your way tonight, on his way trough trough the SSE. 😇😜😂


Don't take any notice of him Martin, he's talking about something he has absolutely no knowledge of.......SUNSHINE. :lol: :lol:

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