Fire Loss Assistance -Need Help

I don't the comment about the cat was meant to be rude. I think everyone is just looking for clarification. I'm sorry you are going through this terrible ordeal. Have you tried to get assistance from the Salvation Army or Goodwill Industries. Also, others have mentioned the Red Cross and you could also try to call a United Way Helpline they may have sources you could look to.
 
it was homeowners insurance, and my previous reply explains how the fire started.
 
I had to stay with my parents for a little while after the fire, but i was staying in a basement, cause I had nowhere to go and my mother and I do not really get along, so I moved in with my boyfriend. As far as the furniture I got a couch, a few dishes and a few other things from people at work, but not much, the only thing that kept me less stressed was working out through this, that is something I have to do. So yeah I ask people about videos and which ones are good I like the information.
 
Amanda12485,

Please take a look at this link: http://oci.wi.gov/pub_list/pi-015.pdf

It's a Wisconsin Guide to Homeowner's Insurance. I think it might be a good resource for you and there is a number you can call to complain, etc about your insurance company. That number/address is: Insurance Complaint Hotline at 1-800-236-8517 for
information on filing insurance complaints or write to the
OCI, P.O. Box 7873, Madison, Wisconsin, 53707-
7873.

It just seems so odd that an insurance company, especially in the State of Wisconsin that is a VERY consumer advocate-oriented state, would not be communicating with you.

Also, not sure who told you don't have a case, and I/we here on the forums don't have all the information, but if it were me and my house burned to the ground and I had homeowner's insurance, I'd be all up in their business!!

HTH
 
thanks for the link and the website, i was all over them and have been it just never got anywhere, very frustrating.
and this post was not meant to be a post where i am looking for anyone to feel sorry for me. I was just curious if anyone knew if there were programs for situations like this.
If I angered anyone with my question, i apologize.
 
I'm not an expert, especially on homeowner's insurance, but I have lived in a trailer before. I think that the reason that the insurance company may not want to cover the loss is because perhaps the the method that was used to thaw the pipes is NOT recommended (although, if he used a small propane torch, it is done by lots of people). The insurance company may have determined that the loss of the trailer was due to negligence and not the cause of an accident, and could really mess up reimbursement. For instance, if you have a fire due to neglected cooking, it was truly an accident, for the action you had taken would not cause a fire under normal circumstances. However, when one thaws pipes with a propane torch, the pipes are generally VERY close to the insulation, and the expected result is a fire. Trailers go up like a pile of straw. I've personally seen one burn down completely within 15 minutes - there isn't much you can do once it's on fire except get out immediately.

I've had my pipes freeze, and found that keeping heat tape plugged in all winter, although more expensive, is worth it. The only other safe method is to pour hot water over all the frozen pipes or to use a hairdryer - both very difficult in the middle of the winter, outdoors, and underneather the crawl space of a trailer.
 
Hi Again,
I'm sorry to hear all this :(. I'm not really familiar with Mobile Home Policies, but, regular Homeowner policies that most people(if they are advised correctly by their agent) should have an all-peril policy. This means all causes should be covered, EXCEPT for the EXCLUSIONS written in the policy. Did you maybe just have a standard policy where only certain things are covered? Maybe that is how Mobile Home Policies are written? I hope the agent tried to originally sell you an all peril policy(if Mobile Home Policies have that option)...

I will go find my HO policy later to see if I have an exclusion which says something like "accidental fire started when thawing pipes" in the EXCULUSIONS. I am pretty sure it doesn't say that.
 
I'm confused. You said "i lived in a moblile home, so I did not own the property to be able to sell it", but you also said you had homeowner's insurance. I don't see how you can have homeowner's insurance if you don't own the home. Did you mean renter's insurance? It's difficult to offer advice where the facts are not clear.
 
nancy324 said:
I'm confused. You said "i lived in a moblile home, so I did not own the property to be able to sell it", but you also said you had homeowner's insurance. I don't see how you can have homeowner's insurance if you don't own the home. Did you mean renter's insurance? It's difficult to offer advice where the facts are not clear.
Click to expand...
I believe that when you own a moblile home that you can rent the property where the home sits. So she owns the home but rents the property in a mobile home park? I think.
 
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