You’re totally covered.

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Does Home Insurance Cover a House Fire?
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Sure, sure. I have insurance. Youre totally
covered. 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.
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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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Andrew McCabe Xactimate and Insurance Claim
Expert Visit us www.Claimsdelegates.com Or
call 888.745.7568
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