Apt building fire in S. Fargo
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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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Not to derail the thread (joking) but does anyone have an update on what is going on at the building... how bad the damage was and what not. Curious, since coverage was all over the place when it was burning but there hasn't been much since. Just wondering if anyone got hurt or whatnot. Had some friends that used to live there, glad they got out last year.
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SPANISH-RICE;316387 wrote:
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?i was thinking the same thing..
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SPANISH-RICE;316387 wrote:
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?Nah i live in a house now, just saying with electronics/furniture/clothes/and all the other random shit i still wouldn't wanna deal with 20k over having all the stuff...
2003 Mitsubishi Evolution 8
2011 Ford F150 Ecoboost -
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 have my apartment insured for $20k if it was a total loss, i get a check for $20k, regardless of if I had $100 of stuff in there or $40k worth. I pay $12 a month for it, and I probably average about $12k max worth of stuff, and that is replacement cost. Total amount of what i would buy back is probably $8k at the most. Now if it got broken into and my coputers or TV stolen, yes I have that stuff inventoried and the list stored in 2 diffenent locations. You see, i learned how to be responsible when I got my own place, so I wouldnt have to go crying to anyone if it all went to shit
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RidinRails;316383 wrote:
Grr is a fucking loser /thread.sorry i dont remember, but arent you like a felon for beating your GF or something? Or maybe you stole some shit? Im not gonna bother looking it up but I do recall that YOU are in fact the loser in this discussion
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imprttuner2;316389 wrote:
Not to derail the thread (joking) but does anyone have an update on what is going on at the building... how bad the damage was and what not. Curious, since coverage was all over the place when it was burning but there hasn't been much since. Just wondering if anyone got hurt or whatnot. Had some friends that used to live there, glad they got out last year.still working on finding a cause.
1st floor damage isn't bad, 2nd floor is so-so because the ceiling was pulled down in some places, 3rd floor is limited access (fire only).I think I pay in the neighborhood of $150/year for renters insurance but that includes specific coverage for a couple other things (camera in particular) to cover any damaged caused by anything anywhere.
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imprttuner2;316389 wrote:
Not to derail the thread (joking) but does anyone have an update on what is going on at the building... how bad the damage was and what not. Curious, since coverage was all over the place when it was burning but there hasn't been much since. Just wondering if anyone got hurt or whatnot. Had some friends that used to live there, glad they got out last year.As dubbsy said,
When I was there taking pic's the firefighters that I were talking to tell me that:
1st floor is almost 100 percent intact with very minor water damage
2nd floor is about 90 percent intact with 1- maybe 2 total loss apartments and the rest have some smoke and water damage, and are a mess from insulation and falling ceilings.
3rd floor is almost a 100 percent loss.car garage had 18 inches of water but all cars were driven out.
sounds like 3 or four dogs a cat and a bird were killed
no people were hurt.
two firefighters were trapped, and rescued unhurt.As for the insurance thing, I don't think people are looking for handouts. Minus people like Grr, most people in Fargo/Moorhead are kind hearted people (North Dakota and Minn for that matter.) and will give weather they are asked or not.
That has been my experience anyway.
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