Welcome to your Green Bay Packers Online Community!

Since 2006, PackersHome has been providing a unique experience for fans.
Your participation is greatly anticipated!
Login or Register.
2 Pages12>
Options
View
Go to last post Go to first unread
Offline dfosterf  
#1 Posted : Thursday, January 3, 2013 4:44:26 AM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

I'm living in bizarro world right in my own neighborhood.

Some may recall that I commented on one of my neighbors having spent a year having their home restored from a fire, only to jeopordize it by not quickly repairing damage caused by Hurricane Sandy.

I came home last evening to a horrible scene. The house next door to that one, directly across the street from me, appears to be a total loss due to fire.

Tony and Brenda moved into that home only two months ago. Ed, Tim and myself became "instant" friends with them, because their movers never showed up, so we moved them in. Brenda was so impressed/relieved that she cried that day.

My wife informs me that the police, firemen, Tony & Brenda, their bird & dog spent the latter part of the afternoon in my bedroom discussing what happened. My house smells like smoke from their clothing. Tony got burned on the face & neck, but not badly enough to go to the hospital. They lost everything... even the dog had to be recussitated, as he didn't get it out on his own. The firemen rescued it. Brenda has my cellphone, the dog and bird are over at Ed's house, Tony and Brenda are at Tim's house. Brenda didn't even have pants or shoes.

It's 22 degrees out. Cars, wallets, phones, EVERYTHING. (Except the big bird cage, my wife says that was in our lanai while the fire raged, Brenda apparently ran (barefoot) across the street with the bird & cage.

The insurance co. apparently sent out the same co. I laughed about when referencing the OTHER house in my neighborhood that burned up to do the "board up" on Tony's house.

That was what I drove up to last night- My wife says, "Wait until daylight, you aren't going to believe how ugly it got."

Tony says they think it was an electrical fire. Same thing that got their next door neighbors house.

We were all just getting to know them. If this construction co. moves as slowly as they did last time, it'll be a year before they are our neighbors again, and that's probably best-case scenario, as from what I saw (garage-[portable lights]-completely burned up, including both vehicles) this house will probably have to levelled.

My wife says she almost laughed at one point. The firemen handed Tony the literally smoking remains of his wallet. Think of the movie, "Trains, Planes and Automobiles".

It leaves you with an eerie, unsettled feeling, especially with the smoke smell in the house. I bet the next time I remind my wife to clean the lint screen on the dryer, for example- I bet she really does it.
UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Sponsor
Offline Pack93z  
#2 Posted : Thursday, January 3, 2013 8:12:39 AM(UTC)
Pack93z

Rank: Hall of Famer

PackersHome NFL Pick'em - Bronze: 2012

United States
Joined: 3/16/2007(UTC)
Location: North Central Wisconsin

Applause Given: 383
Applause Received: 1,027

It is a horrible reminder of the devastation and how quick life can change. Pass along my hopes and prayers for a strong and full recovery for the couple.

And lets hope the construction of repairs or rebuilds move a rapidly for them.

Edited by user Thursday, January 3, 2013 10:30:38 AM(UTC)  | Reason: Not specified

I think when there's enough will and aggression, there's no shortage of talent either.

UserPostedImage
Offline wpr  
#3 Posted : Thursday, January 3, 2013 9:33:54 AM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

I am so sorry to hear this. It is sad in deed.

A few points to tell them.

1. They can use any construction company they want to. They do not have to use the one that the insurance company says to use.

2. Tell them to be sure to keep their insurance payments made in the future. (5 years.) I have a client who had a fire loss last Christmas. It damaged about 60% of their house. They had the house restored. The contractors did an excellent job. My insureds were already planning on doing some remodeling. (The house was built in the 80's and they wanted to modernize it.) The part of the house that was damaged was in the bedrooms upstairs and family room downstairs. After these repairs were made they gutted and totally re did the kitchen. Knocked out a wall and expanded it.

The place looks fantastic. Problem is the little Mrs forgot to pay the insurance and it lapsed. The insurance company would not reinstate the policy. That isn't so bad but every single company that I spoke to except for 1 would not even talk to me about them because of the loss. I told the new companies that that does not even make sense. First their underwriting rules do not preclude insuring this house. I was told it is a part of the "underwriter's discretion". I told each of the companies that if I had submitted this house to them last year, they would have accepted it and loved it and paid a claim. Today they are refusing to insure a better house. This house will not have the same kind of loss. (Mortar in the chimney liner was loose and the fire got into the wall.)

3. Most likely they will get some money up front and the balance after the house is repaired and the contents replaced. One of the toughest things to do is to make a list of the stuff in the house. When I started in the 80's I told people to go into every room and make a list of the things you have. later I said to use a camcorder and record the stuff on a video. Now I am saying to use your phone and record it. Keep the copy off site. If you have a bid ticket item say a little about it. It don't really matter what kind of blue jeans you have in your closet but the 80" plasma tv may need a little info. Aunt Sally's silver spoons might be a little important as well.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

thanks Post received 1 applause.
Pack93z on 1/3/2013(UTC)
Offline Formo  
#4 Posted : Thursday, January 3, 2013 1:02:28 PM(UTC)
Formo

Rank: All Pro

Joined: 8/12/2008(UTC)

Applause Given: 215
Applause Received: 152

Ouch. That sucks.

That said, sounds like we need to move next door to you. Your block probably needs more purple anyway.

That and whenever you say something here that pisses me off, I'll just drop a deuce in your lawn.
UserPostedImage
Thanks to TheViking88 for the sig!!
Offline Porforis  
#5 Posted : Thursday, January 3, 2013 1:51:31 PM(UTC)
Porforis

Rank: 1st Round Draft Pick

United States
Joined: 8/22/2009(UTC)
Location: Milwaukee, WI

Applause Given: 168
Applause Received: 333

Originally Posted by: Formo Go to Quoted Post
Ouch. That sucks.

That said, sounds like we need to move next door to you. Your block probably needs more purple anyway.


Vikings fan or not, I'm not sure it'd be wise to move into that disaster zone. You don't deserve to have your house burned down.
UserPostedImage
Offline dfosterf  
#6 Posted : Thursday, January 3, 2013 3:43:23 PM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

Quick update/things I learned this morning-

The construction co. actually arrived BEFORE many of the fire trucks yesterday.

They specialize in fire restoration, and the next door neighbor that had his house burned down last year called them, which is how they got there so fast. The reason it took a year for his house wasn't the construction co.'s fault. He was in a major dispute with the insurance co. He was/is extraordinarily pleased with that builder.

Tim actually grilled them on Tony's behalf. They did the garage "button up" last night BEFORE any paperwork was done. I watched them do that part. If Tony decided not to go with them, the button-up was free. He did go with them.

This construction co. actually has an awesome reputation, as told to me by many sources today, including at my job at Home Depot. Obviously I know many contractors from there... co-workers told me same thing. I was wrong, so I apologize for disparaging them in my other thread about the neighborhood.

I didn't see Tony and Brenda today. I had to work. The construction co. DID "button up" the holes in the roof, windows, doors, etc at first light. I reckon now they are waiting for the fire report to see if the structure is salvagable. So far, I'm peresonally impressed with how the construction co. is moving.

The dog is still over at Ed's. The Red Cross gave Tony and Brenda $$$ last night. The construction co. gave them a recommendation on where to stay (accepts pets). Tim washed and delivered some clothes they apparently recovered that I didn't know about.

I will pass along those tips when I see them, Wayne.

Sorry for the random nature of this post, just wanted to let everyone know what I know.

Oh, Tim told told me that they told Tony they could have him back in the house in 90 days if there aren't insurance issues.

That would be incredible, based on the little that I have seen. I will post pics if authorization to enter coincides with me being off Sun Mon Tue.

Edit-

It ocurred to me that Tony is going to have a much easier time of at least attempting to document/prove the nature of his losses to the insurance co. than I would ever have. He's only been there two months, so the shit he moved in there with and/or purchased subsequently is fresh in his mind.

I remember I saw a set of Calloways in his garage two months ago, so if they hit the "pile", I might be contemplating some trash-picking, lol, even though I'm a Ping guy.
I'd be f*cked in that regard, as would most, I'd imagine. (Remembering the shit I got/lost)

Edited by user Thursday, January 3, 2013 4:10:41 PM(UTC)  | Reason: Not specified

UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Offline wpr  
#7 Posted : Thursday, January 3, 2013 4:20:10 PM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

There is some much I could say that I left out. Glad the contractor is a good one.

They will know how to handle smoke damaged items. For example, the smoke leaves a chemical residue on everything. Some of the chemicals actually etch into glass so they have to use a special cleaner to remove the chemicals but not harm the items.

Water causes more damage than the fire does so they get these huge I mean HUGE dehumidifiers to suck the moister out of the floors and walls. Side note a couple of years ago the some of the restoration co went down into the basement of one of their customers to check on the moister content. No one knew it but there was a short in the electrical cord. It fired him. Young fella about 22-25 years old. He had worked with his dad since he was a teenager. There was just a trace amount of moister in the carpet and the cord was laying on it. When he walked into the room it nailed him. So if they are restoring not completely rebuilding keep out and let the professionals do the checking.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

Offline dfosterf  
#8 Posted : Wednesday, March 6, 2013 7:34:18 AM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

I apologize for not taking pics.

Tony did a wise thing. He secured the services of what is called a "PA". "PA" stands for "Public Advocate". The PA is an attorney that works for the state. All parties agree that his decisions are final with respect to personal damages, what gets fixed, the level and quality of the replacement components going into the home, etc.

For once, a positive story about a GD lawyer. AMAZINGLY, C&Z construction razed this home AND HAS PUT IT BACK UP, to the point that they are finishing the siding as I write this. You couldn't even tell there was a fire if it weren't for the plywood covering the garage door. They worked in the cold, in the snow, ON SUNDAYS...

UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Offline wpr  
#9 Posted : Wednesday, March 6, 2013 8:15:06 AM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

I am glad it worked in this case but PAs are not always skittles and beer. I have seen plenty of times where they get in there and gum up the claims process and end up slowing down the settlement (by weeks maybe months) because they have to justify their pay. In the long run the PA's fee comes from the consumer. The insurance company is not going to overpay simply so the lawyer can get some money. They can only pay for what the cost of the damage is.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

Offline dfosterf  
#10 Posted : Wednesday, March 6, 2013 8:38:12 AM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

In this case it has worked out. There were disputes here. The insurance adjuster TRIED to go cheap, but failed.

One of the most interesting aspects of this saga was just how important stuff like Tony's brand of golf clubs and even clothing played a role in determining the settlement.

I watched the adjuster picking through piles of surviving burnt- wet- clothing, looking at LABELS to ascertain the quality of his personal effects. Fortunately for Tony, his wife bought him good shit.

Once the pointy-head-white-collar-arrogant-asshole types got the f*ck out of the way, the blue-collar workers absolutely busted and froze their asses off to get them back in their home. I don't think we have had 5 good "construction days" weather-wise since the fire.

The owner of C&Z construction told me Traveler's Insurance is by far the best company to have a policy with when claim time comes. That was not the case here, and the adjuster was new, which made it worse.

The PA told the adjuster to step off the crack pipe and went with what C&Z recommended (and subsequently did) as far as tearing down and rebuilding, plus satisfied both Tony and Brenda with respect to the personal property, etc.

So IN THIS CASE, the PA was a god-send, according to Tony, and I'm looking at the tangible results right out my window. They have a new home, in record time.


Oh, I almost forgot the neatest thing. I see the owner of C&Z at my work. He told me (in confidence) what he thought the claim would be.

-before the adjuster said a peep.

The insurance co. came in 75,000. less than the figure he gave me.

The settled amount (with a reserve remaining) is exactly what the owner of C&Z told me it would be, to the f*cking penny. That is amazing, to me. He knows his shit when it comes to these house fires.

I never told Tony that number. I didn't want him to get in a dispute with the insurance co. I (admittedly selfishly) didn't want the continued eyesore of a burnt up house across the street after enduring the same thing for a year previously one door down.

I started a little project of building raised garden beds around the perimeter of a concrete slab out my back door about the same time they started tearing down this house. I am very embarrassed to tell you they will have completed this rebuild before I finish my friggin' garden beds.

Blushing

Edited by user Wednesday, March 6, 2013 9:16:26 AM(UTC)  | Reason: Not specified

UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Offline wpr  
#11 Posted : Wednesday, March 6, 2013 2:01:47 PM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

newbies are always a pain in every field. I donated blood platelets today. Last Nov I had a guy going solo. I was not able to donate because he messed up on the needle stick. Got him again today. I sure remembered him but he didn't remember me until he looked at the chart. He messed up again today but not as badly. The supervisor was able to correct it.

As far as the labels go, I can understand why the kid checked. They have to justify and document everything. If the neighbor said they bought Van Heusen that are normally around $25 at Penneys that is one thing. If he says they were all Jos A Banks' $80 ones the adjuster needs some kind of proof. They actually will accept sales slips from your credit card. Since your neighbor didn't supply it the kid went the extra mile and looked through the rubble. Not everyone would do that.

I have dealt with restoration contractors a lot of the years. They pretty much know the market.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

Offline dfosterf  
#12 Posted : Wednesday, March 6, 2013 2:25:09 PM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

Originally Posted by: wpr Go to Quoted Post
newbies are always a pain in every field. I donated blood platelets today. Last Nov I had a guy going solo. I was not able to donate because he messed up on the needle stick. Got him again today. I sure remembered him but he didn't remember me until he looked at the chart. He messed up again today but not as badly. The supervisor was able to correct it.

As far as the labels go, I can understand why the kid checked. They have to justify and document everything. If the neighbor said they bought Van Heusen that are normally around $25 at Penneys that is one thing. If he says they were all Jos A Banks' $80 ones the adjuster needs some kind of proof. They actually will accept sales slips from your credit card. Since your neighbor didn't supply it the kid went the extra mile and looked through the rubble. Not everyone would do that.

I have dealt with restoration contractors a lot of the years. They pretty much know the market.


What was so cool about it was that I was standing there watching this all unfold while Tony was getting progressively pissed off at this snot-nose rummaging through his shit. I was standing next to the contractor, and he whispered to me that the kid was a FNG and that whatever number he ultimately came up with would be meaningless, that this was his first job, and that the kid's boss had already told him (the contractor) to get his number together ( I really sensed he meant INCLUDING the personal property- a definite synergistic working relationship) and they would work from that (as in, very trusted) That seems to be what happened as an end-result.

You hit it on the head as far as going through the rubble. The contractor ALSO told me that the adjusters get cured from that sifting after they do it a few times. As he said, it is profoundly discouraging and tedious.

My recollection is that homeowners insurance is not profitable/VERY marginally profitable for the insurance companies. I actually got licensed to sell it here in PA as I had to, because I was the settlement agent for our (read-wife's Laughing ) manufactured housing loan business, and a large percentage of the time joe-blow-buyer would show up at the settlement table without insurance, in spite of being told we could not settle without it, so I had to write it, then and there. To this day I do not know how I passed those exams, I was NOT INTO IT. That was a mental/motivational chore for me. The classes were the only time I can remember trying to learn new material that I fell asleep in.

What do you think of the C&Z guy telling me Travelers is the best for insurance? He mentioned the actual policy, but I had this sense he was speaking of the adjusters. If the latter is true, I wonder if he was speaking personal experience vs. nationally.

Edited by user Wednesday, March 6, 2013 3:02:21 PM(UTC)  | Reason: Not specified

UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Offline wpr  
#13 Posted : Wednesday, March 6, 2013 4:03:31 PM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

When I was that snot nosed kid I wrote for the Travelers. We had them in our office for a few years before they decided a small town was not where they wanted to be any longer. (They had been in the agency for more than 50 years at that time.) What happened is the people in the ivory tower decided they would do much better in the rapidly growing suburban areas than in the more stable places. They closed down more than half of their offices and consolidated into a handful. They took an absolute pounding. Claims exploded. Consumers left by the droves.. Staff turnover was everywhere. They eventually bought out another company's personal lines book to replace the one they pissed away.

Their policy is fine these days. I run in to them every once in a while and they don't have the greatest prices around here.

Claims service is variable. Not only does it depend on which state they are in. (Every state had some bass monkey squeezing down hard on everyone below him/her. Some are more lenient than others.) It also depends on the adjuster. As you noticed this kid is scared to death to make a mistake.

My Traveler's claim story is this one. Now this is nearly 30 years ago. As they were pulling out of our office my secretary had a loss. Kids got into her car (it was unlocked.) and used a pry bar to open the glove box. Since it was plastic it busted. The repair shop said she needed a "new" dash. There was one at a local junk yard that they could get. It would cost (I forget the exact amount. It wasn't much.) $150. Travelers said no. the car had some age and they didn't want to but a "new" dash in. A shop nearly an hour away (They were thinking like a big city company) could weld the plastic on the dash/ glove box and it would be just as good. It would only cost $85. Of course they would not pay for her time driving there and back and her waiting for the work to be completed. They would only give her the $85 if she didn't want to make the trip. I bucked my complaint all the way up. Since I had almost no policies with them any more no one cared. It didn't matter what we had done for them in the past.

That is the problem with the biggest companies these days. They have lost touch with most of their consumers.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

Offline dfosterf  
#14 Posted : Wednesday, March 6, 2013 4:42:25 PM(UTC)
dfosterf

Rank: All Pro

United States
Joined: 8/19/2008(UTC)

Applause Given: 175
Applause Received: 392

This is such an interesting discussion!

I asked my wife an hour ago who we had our homeowners insurance with. She was NOT privy to my talk with C&Z. I never bothered to mention it.

She said, "Travelers". I asked her why. She said that DS and T (our local agents) placed us with them, as they are the "best".

She has them under standing orders to place us with the best insurance co's in the event of a claim. This is all news to me.

My vehicles are under "Farmers" Hers are not. Hers are under what is called, "National Penn" Since I do our banking and know how anal my wife is about that, I now see just how micro-managed our insurance situation is by her. e.g.- I had a snow-plow business, paid massive premiums, sold it, but get some sort of discount (still) because my troops didn't f*ck anything up.

DS and T do know me by my first name when I call. They are a mountain range, tiny town, and a pain in my ass to get to these days. I often wondered why we stuck with them and they stuck with us, after we sold our business, and such. My wife is so very on this, lol I did not know.

Edited by user Wednesday, March 6, 2013 4:52:42 PM(UTC)  | Reason: Not specified

UserPostedImage
damn skippy I'm an owner. I currently own a full .00001924537805515393 % of the Green Bay Packers.



Offline wpr  
#15 Posted : Wednesday, March 6, 2013 5:32:09 PM(UTC)
wpr

Rank: Hall of Famer

PackersHome NFL Pick'em - Gold: 2012PackersHome NFL Pick'em - Gold: 2013FleaFlicker Fantasy Football - Bronze: 2013

United States
Joined: 8/8/2008(UTC)

Applause Given: 2,844
Applause Received: 1,370

You should consider placing your cars with the same company as the house. Here in IL many of the companies are not taking new home insurance with the cars too. They are jacking the prices on mono line home insurance.

The discounts are typically about 20%.
"You don't hurt 'em if you don't hit 'em." Chesty Puller



UserPostedImage

Rss Feed 
Users browsing this topic
Guest
2 Pages12>
Forum Jump  
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.

Notification

Icon
Error

Recent Topics
25m / Green Bay Packers Talk / nerdmann

26m / Green Bay Packers Talk / nerdmann

42m / Green Bay Packers Talk / steveishere

1h / Green Bay Packers Talk / nerdmann

2h / Green Bay Packers Talk / nerdmann

7h / Green Bay Packers Talk / texaspackerbacker

8h / Green Bay Packers Talk / blueleopard

23h / Green Bay Packers Talk / DoddPower

1-Sep / Green Bay Packers Talk / DarkaneRules

1-Sep / Random Babble / nyrpack

1-Sep / Green Bay Packers Talk / nyrpack

1-Sep / Around The NFL / nyrpack

1-Sep / Around The NFL / nyrpack

1-Sep / Around The NFL / nyrpack

1-Sep / Around The NFL / nyrpack


Tweeter

Copyright © 2006-2014 PackersHome.com™. All Rights Reserved.