Apt building fire in S. Fargo
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awd95mn;316323 wrote:
My question is...Would the person responsible for starting the fire be responsible for all the damages to the building and all the other tenant's belongings? Or does something like this not work that way and everyone is responsible for their own stuff, even though they were not the ones responsible for the fire? I'm not really positive how it would work in this situation, but that is usually how other insurance works.The person may be held legally liable, which opens them up to a lawsuit or lawsuits, But.....for the most part, the building owners have their own insurance for cases like this which will cover the building only. Renters with insurance will likely be covered by their policy, renter without...... well? sucks but they will be out of everything they lost. If the person that started the fire has insurance i suppose it is possible that the other insurance company's may sue the responsible s insurance. but.... still, without opening a civil suit against the responsible party, the uninsured are out of luck.
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DrifterExtreme;316322 wrote:
That is pretty low gary. i mean just don't say anything even if everyone knows it's foolish to not have insurance.LOL, what a bunch of pansys. If you have your own place, you are obviously grown up enough to do the adult thing and get insurance. Im sure anyone in that building has a car and a $100/month cell phone bill that they are never late on. If they dont bother with $80-$100/year then fuck em, everyone these days want a god damn hand to hold. Grow the fuck up
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Grr;316337 wrote:
LOL, what a bunch of pansys. If you have your own place, you are obviously grown up enough to do the adult thing and get insurance. Im sure anyone in that building has a car and a $100/month cell phone bill that they are never late on. If they dont bother with $80-$100/year then fuck em, everyone these days want a god damn hand to hold. Grow the fuck upReally inappropriate at the moment. Grow up. Even if you have insurance its a shitty situation, there are a lot of things you cant put a price on.
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god some of you kids are weak, boo fucking hoo. If my apartment burned i would have $20k in my pocket, would be a pretty good day IMHO. What do you think happened 50-75 years ago when you were 16 and had your own farm to manage? If it burned to the ground you started over, didnt cry to everyone about being non or under insured. Pussy bitches are one of the biggest problems, its un-nerving how effeminate society has become
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Someone wasn't loved as a child......
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nothing to do with it, i had a great childhood. People are just weak now, my grandparents were ashamed of how weak and powerless the average person had become. I was taught not to be that way because of that very problem, guess thats why i liked being in the military so much. Shit happens, if your stupid enough to not have insurance you deserve the agony; some people have to get fucked over to learn things, that is the nature of darwinism
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lol @ actually having a spine makes us "pussy ass bitches". there was a lot of personal, and likely a lot of irreplaceable items these people lost. what is money going to do to solve those losses?
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Grr;316367 wrote:
head high, chin up, take it like a man. problem solved. Cant change shit so you might as well make the best of itmakes sense to me...of course, ive been there. Maybe not the whole apartment burning down thing, but ive had my "shit happens" moments...hell 2009 was that, you didnt hear me crying and whining about it, nope, just pushed through it and continued on the way I always have. yes its shitty their apartment burned down, and it sucks that they lost stuff, but it REALLY sucks they didnt have insurance.
*1989 Nissan 300ZX Z31 *
> DelSlow;262050 wrote:
> I like the new JN210 -
JN210;316368 wrote:
makes sense to me...of course, ive been there. Maybe not the whole apartment burning down thing, but ive had my "shit happens" moments...hell 2009 was that, you didnt hear me crying and whining about it, nope, just pushed through it and continued on the way I always have. yes its shitty their apartment burned down, and it sucks that they lost stuff, but it REALLY sucks they didnt have insurance.And u wont let us forget about it either
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Rexwagon;316370 wrote:
And u wont let us forget about it eitherreally? how often do i say anything about it?....no no no, this isnt about me, its about people who lost their homes, lets go buy them stuff. Quit making this about me, good god all you do on the internet is make everything about me, why? yea I know im great and all, but really? sheesh, I can only take so much glory in one day.
*1989 Nissan 300ZX Z31 *
> DelSlow;262050 wrote:
> I like the new JN210 -
Grr;316337 wrote:
LOL, what a bunch of pansys. If you have your own place, you are obviously grown up enough to do the adult thing and get insurance. Im sure anyone in that building has a car and a $100/month cell phone bill that they are never late on. If they dont bother with $80-$100/year then fuck em, everyone these days want a god damn hand to hold. Grow the fuck upOh stfu gary. Sorry i don't make it my job to go around calling people who i don't know fucking retarded for the fact they may or may not have lost everything they own. So that makes me a "pussy" or a "weak person"? You need to get your head out of your ass. Real classy individual you are.
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Grr;316358 wrote:
god some of you kids are weak, boo fucking hoo. If my apartment burned i would have $20k in my pocket, would be a pretty good day IMHO. What do you think happened 50-75 years ago when you were 16 and had your own farm to manage? If it burned to the ground you started over, didnt cry to everyone about being non or under insured. Pussy bitches are one of the biggest problems, its un-nerving how effeminate society has becomeSo you must have every peice of cothing, electronics, furniture, dishware, and everything else in your home inventoried with serial numbers and with receipts stored in a fire proof safe? If you don't, you have some nerve talking shit here.
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HandoEX;316381 wrote:
So you must have every peice of cothing, electronics, furniture, dishware, and everything else in your home inventoried with serial numbers and with receipts stored in a fire proof safe? If you don't, you have some nerve talking shit here.I just got a policy today for $120 for the year. I dont have to have everything itemized, just take pictures to memorize what I had and get full purchase price back.
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Grr is a fucking loser /thread.
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Insurance is cheap. Theres no excuse to not have it. It sucks that people lost things that are irreplaceable but thats a different story. The focus is on the fact that if you didnt have insurance you deserve no sympathy for any financial hardship or where youre going to live.
You do not need an itemized list of anything for a total loss claim on your insurance (or any claim), at least i know i dont. All you need is a list or pictures for you to remember what to include. Id be pumped if i got to make a total loss claim on my renters.
When you have things of value, you insure them. Its common sense and its called being responsible. You have nobody to whine to if you lost your flat screen but couldnt afford a few dollars every month to protect it. Priorities
here a psht, there psht, everywhere a psht psht
PVC SQUAD MEMBER #2- 95 CIVIC EX- DD 320whp on a mustang dyno
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i have renters insurance for a set amount. Basically i say how much i want to be insured for, and then my premium is based on that. So i say, i want insurance for 20k worth of shit, and they say, here is what you pay.
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Grr;316358 wrote:
god some of you kids are weak, boo fucking hoo. If my apartment burned i would have $20k in my pocket, would be a pretty good day IMHO. What do you think happened 50-75 years ago when you were 16 and had your own farm to manage? If it burned to the ground you started over, didnt cry to everyone about being non or under insured. Pussy bitches are one of the biggest problems, its un-nerving how effeminate society has becomeIf you would be happy about 20k worth of stuff I'm sorry... I know i'd be fuckin pissed if that's all I got in return for what I have...
2003 Mitsubishi Evolution 8
2011 Ford F150 Ecoboost
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yellowevo;316386 wrote:
if you would be happy about 20k worth of stuff i'm sorry... I know i'd be fuckin pissed if that's all i got in return for what i have...you have well over 20k in assets sitting in your apartment? Why would you have that much money in crap laying around but still be renting an apartment?
here a psht, there psht, everywhere a psht psht
PVC SQUAD MEMBER #2- 95 CIVIC EX- DD 320whp on a mustang dyno
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