Apt building fire in S. Fargo
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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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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 becomeYour so hardcore.
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dubbsy;316278 wrote:
Per the radio it sounds like 2 firefighters doing Search and Rescue had a close call and ended up trapped briefly themselves.Correct I went to highschool with one of them.
> Mitch Hedberg wrote:
> I'm sick of following my dreams, I'm just going to find out where they are going and hook up with them later.ASE certified parts specialist.
2004 Impala LS 3.8 -
Cable One is charging Galleria residents for burned dvrs.
http://www.valleynewslive.tv/artman2/publish/local_regional_news/21473.shtml
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lol was just gonna post that.
grr thinks thats fair probably. boo fucking hoo to those having to spend a measly 500 dollars per dvr.
they shouldnt need dvrs since almost everythings available on the internet, right? what a bunch of losers those guys are who have to pay that up.
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HandoEX;316410 wrote:
Cable One is charging Galleria residents for burned dvrs.http://www.valleynewslive.tv/artman2/publish/local_regional_news/21473.shtml
As if they're not the douche bags of cable/internet service already.
You got to love corporate BS, you're no more than a number to them.
I also love how they make it sound like they're the victim.Sterling Archer: Oh my god! You killed a hooker!
Cyril Figgis: Call girl!
Sterling Archer: No Cyril! When they're dead they're just hookers!
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STiSchucky;316411 wrote:
lol was just gonna post that.grr thinks thats fair probably. boo fucking hoo to those having to spend a measly 500 dollars per dvr.
they shouldnt need dvrs since almost everythings available on the internet, right? what a bunch of losers those guys are who have to pay that up.
lol@$500 for their DVR's. I bet they cost cableone ~$50. They are on ebay for $99.
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