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One of my best friends just lost his house

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Basil

Basil

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Larry D. is a guy I've worked with for years as an analyst. I consider him one of my very best friends. This morning I got off the phone with him and learned he and family are sitting in a red cross shelter in Colorado Springs having just watched their house and all of their possessions go up in smoke from the "Black Forrest" fire that is currently raging in C. Springs. He was able to get his horses to safety, and one suitcase, but that's it.
 
I is easy for people to say the only loss was "things", but it must be heart wrenching to realize all the reminders of happy times have been taken away in hours. I obviously don't know Larry, but can easily imagine how that loss would hurt. A/O noon edst, they are saying 360 homes lost in that fire.
 
I've been watching in on the news. A horrible nightmare for many people out there.
 
Wife is in south Denver visiting sister and smoke there is very bad.
 
I have a grand daughter in Colorado Springs. Her house is too close to the fire. Very scary thing. Hard to imagine the irreplaceable things we have collected over the years that would be gone. Sorry for your friend's loss Bas.
 
Hurricanes don't scare me. FIRE scares me.Saddened to learn of the personal chaos, Basil.
 
It's hard to imagine a life time of hard work and savings, irreplaceable personal items, a life time of photos, family heirlooms, all gone in a nightmare situation. The house is replaceable, but the rest is gone forever. I truly feel so sorry for those folks up there. Do they know what/who started the fire/fires? PJ
 
PAUL161 said:
It's hard to imagine a life time of hard work and savings, irreplaceable personal items, a life time of photos, family heirlooms, all gone in a nightmare situation. The house is replaceable, but the rest is gone forever. I truly feel so sorry for those folks up there. Do they know what/who started the fire/fires? PJ
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One thing I did to at least preserve memories like pictures and important documents, is I bought a fire proof hard drive and have been scanning my photos and storing all on that iOSafe drive. If we shluld ever suffer a fire, at least theres a chance we'd maintain digital copies of all our family photos.
 
If your home survives the fire can you just imagine what it is like to live among the rubble of a once tree laden paradise? I know those that still have their homes are fine but they are now going to be living a whole new life. To think that this fire might have been other than a fire of natural origins is more than I can wrap my brain around. Also locally they are saying that one of the fireshere was caused by a power line/wind situation. Perhaps the power companies need to think of a way to lessen this hazard. I guess I'm rambling but this is all too much. I look at the beautiful Sandias every morning and can't imagine what a fire would do to them, those that live close by and the wildlife as well. Again boss I am so sorry for your friend and his family.
 
I dont know which is worse, everything being completely gone or destroyed but still recognizable. The good thing about completely gone is you don't remember the stuff you like that you had forgotten about.

How's he doin' now Bas?
 
kellysguy said:
I dont know which is worse, everything being completely gone or destroyed but still recognizable. The good thing about completely gone is you don't remember the stuff you like that you had forgotten about.

How's he doin' now Bas?
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Phyisically they're fine - eotionally they're pretty torn up. Still homeless living with friends.
 
Don't even know where I'd , if I was in his shoes
 
I've been there. Done that. Had the house rebuilt.
Insurance pays you to stay somewhere. Did that for a while, too.
Have him hire a company to forensically list his belongings.
Granted, ours was almost 30 years ago, but the guys who did ours told us stories. Do NOT throw anything away or clean up until they get a list.
May not make any difference...if totalled, as in gone, they'll write you a check for the full value of the house, outbuildings and contents.
I found out from a guy I knew, whose house went up 2 weeks before ours...his was totalled, they wrote him the one big check, and that week cancelled him.
Seems it was industry standard, at least at the time. He was...3 years on high-cost with no replacement cost coverage.
We dragged it out, turning in items on the List, and they paid us the difference (ACV is what you get paid up front...what you'd buy the item for at Goodwill, RPC is what it actually cost, and you get the difference) until we'd passed three years. They were furious.
Tried all sorts of things, including visits to the property when I was not present.
I won.
Boy, did I win.
We just today cancelled out the Allstate, went with USAA for home, now along with auto.
Dave
 
TOC said:
He was...3 years on high-cost with no replacement cost coverage.
We dragged it out, turning in items on the List, and they paid us the difference (ACV is what you get paid up front...what you'd buy the item for at Goodwill, RPC is what it actually cost, and you get the difference) until we'd passed three years. They were furious.
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O.K, you lost me, what's the deal with three years?
 
At the time, you buy insurance..."any losses in the last three years?" Since he was cancelled, not changing, due to a loss, nobody would give him replacement cost coverage...rather "high risk".
 
Ahhhh, gotcha. That should be illegal. The older I get the more I see the way things are purposely stacked against the worker bee.
 
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