Does Home Insurance Cover a House Fire?

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Does Home Insurance Cover a House Fire?
ClaimsDelegates.com
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I was young and naive. My eager landlord was
young and naive.  Hear this You are not
covered. I moved into a condo in Northwest
Portland, Oregon. It was a step above the
apartment I was living in before. The last thing
I imagined as a building fire, but thats getting
ahead of myself. I liked that this place was in
the middle of the action. I liked that I was
walking-distance away from anything I could want
or need. That would have been perfect.
I would have walked away from that rental with
good memories. One night as I was preparing
dinner, I noticed smoke coming in from the
hallway door. When I opened the door, the smoke
was thick. A quick look down the hall confirmed
that one of the storage units was engulfed in
flames. As much as you trust yourself not to
destroy a place, how much do you trust your crazy
neighbors? The fire department arrived. Windows
were smashed in. The fire was quickly
extinguished.
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I was out of a place to live. My landlord did,
indeed, have home insurance. That covers
everything up to the walls. Everything inside the
walls (that meant me and my belongings), was not
covered. The building repair took months. The
crazy neighbor who started this whole mess was
insured. He got all of his stuff back, pre-fire.
Me? Luckily, my landlord let me stay at his house
for a while. After that, my brother let him stay
at his house for awhile. I worked for a
restoration company, who let me restore some of
my stuff. Renters insurance is not that
expensive! Get some! If you have homeowners
insurance, ask your agent what happens during a
catastrophe!If I wasnt so young and naive, I
would have had some renters insurance. That
would have saved me a ton of hassles. Dont be
like me.
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process.
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