Go Back   DIY Chatroom Home Improvement Forum > The Break Room > Off Topic

CLICK HERE AND JOIN OUR COMMUNITY TODAY...IT'S FREE!

Reply
 
Thread Tools Search this Thread Display Modes
Old 06-22-2012, 01:43 PM   #1
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


Remember that crazy snowstorm we had in September? Well the house, 5 houses down form me has an electric stove. The poor people were cooking when the power went out and they ended up leaving the stove on when they went to stay elsewhere. When the power came back on, the stove kicked on - nobody was home and it ended up burning the house .... not "down" but the entire center of the roof is gone and all the windows are boarded up. From the other street you can tell that most of the back of the house is gone also.

The reason I'm curious is ...... there was lots of activity the first few days - first they were disconnecting the utilities, then guys in polo's w/ logos were walking around with note pads and measuring tapes for a few days - and then nothing.

In a few days it will be 8 months since the incident. There was a dumpster for a while which filled slowly - I can only imagine as the poor people were sifting through their belongings, trying to salvage a few things. It disappeared after a few weeks.

We are refinancing so we just had the appraiser out - one of the questions he had was how long ago it burned. That's what reignited my curiosity. 8 months seems like a long time.

If your home burns and it is declared a total loss does the ins. company cut you a check like with your car and offer to buy the land? Or are you stuck w/ the land and need to order your own demolition?

CoconutPete is offline   Reply With Quote
Old 06-22-2012, 02:21 PM   #2
I'm Your Huckleberry
 
Join Date: Mar 2011
Posts: 5,876
Rewards Points: 2,204
Default

What is a "normal" timeframe after a house burns?


I was once a roomate in a house that burned down. I obviously moved and didn't move back in (although invited to do so), but I think it took maybe 6-7 months for the house to be rebuilt. I'd driven by it in that time frame and it was finished, people living there.

I'd have to assume it depends on your insurance and how quickly you file and make a claim and how much you harrass folk to get things done.

Doc Holliday is offline   Reply With Quote
Old 06-22-2012, 04:32 PM   #3
Pro Flooring Installer
 
rusty baker's Avatar
 
Join Date: Feb 2009
Location: SW Missouri
Posts: 3,919
Rewards Points: 2,108
Default

What is a "normal" timeframe after a house burns?


Don't know about fires, but there are many people still waiting on insurance money from the Joplin tornado. It was May 22, 2011.
__________________
The ads in my post are there without my permission. I do not endorse any of the products.
Semi-Retired Installer
Installing since 1973
rusty baker is offline   Reply With Quote
Old 06-22-2012, 05:01 PM   #4
Member
 
Join Date: Nov 2011
Location: Hartfield VA
Posts: 26,985
Rewards Points: 3,086
Default

What is a "normal" timeframe after a house burns?


There can be tons of reasons for no action.
Customer not willing to settle for the amount offered.
Waiting for the fire marshall to sign off.
There's been a settlement but there not sure what there going to do with the money.
Mistakes were made on what the insurance companys calls scope of work. (which happens all the time) Just means they left stuff off the list that needs to be fixed.
There was second or even third morgages and there's no money once every ones been paid off.
I live in an area where we have had hurricanes, tornados, earthquakes.
Some people have an agent show up the next day, take a look around and cut a check right then in there within an hour.
Man next door with no roof and the 30 X 50 garage that was totaly gone never saw anyone for almost 30 days, then they called in engineers, electritions, local code dept. Almost a year later all the poor guy has had done is a new roof, nothing inside has been fixed, and still no garage. There was not even a mention of it on the scope, even though it was clearly incuded on the policy.
joecaption is online now   Reply With Quote
Old 06-23-2012, 09:28 AM   #5
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


Things just got stranger... There is a "for sale by owner" sign there now...
CoconutPete is offline   Reply With Quote
Old 06-23-2012, 05:04 PM   #6
paper hanger and painter
 
chrisn's Avatar
 
Join Date: Dec 2007
Location: Hagerstown MD
Posts: 6,795
Rewards Points: 2,096
Default

What is a "normal" timeframe after a house burns?


Quote:
Originally Posted by CoconutPete View Post
Things just got stranger... There is a "for sale by owner" sign there now...


tuff sale,I would think
chrisn is offline   Reply With Quote
Old 06-23-2012, 09:55 PM   #7
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


I know ... I'm tempted to call and ask him what he wants for it .... prime location but obviously a little work to be done. I'd imagine that with a house from 1927 you may have to take some precautions when demoing.
CoconutPete is offline   Reply With Quote
Old 06-24-2012, 10:02 AM   #8
Member
 
Join Date: Mar 2012
Location: far sw sub chicago
Posts: 3,888
Rewards Points: 2,248
Default

What is a "normal" timeframe after a house burns?


maybe they didn't have any insurance.
Fix'n it is offline   Reply With Quote
Old 06-24-2012, 12:35 PM   #9
Pro Flooring Installer
 
rusty baker's Avatar
 
Join Date: Feb 2009
Location: SW Missouri
Posts: 3,919
Rewards Points: 2,108
Default

What is a "normal" timeframe after a house burns?


Quote:
Originally Posted by CoconutPete View Post
I know ... I'm tempted to call and ask him what he wants for it .... prime location but obviously a little work to be done. I'd imagine that with a house from 1927 you may have to take some precautions when demoing.
Be careful of hidden problems. Maybe there is some reason your city won't let them rebuild.
There is a 3 br house about a mile from me sitting on 3.8 acres for $32, 500. It has been for sale more than a year. We know there is something major wrong but can't find out what it is. Could be zoning, codes, land problems, title problems etc. When a deal is too good to be true, watch out.
__________________
The ads in my post are there without my permission. I do not endorse any of the products.
Semi-Retired Installer
Installing since 1973
rusty baker is offline   Reply With Quote
Old 06-25-2012, 02:58 PM   #10
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


Ah ... never thought of that, maybe I can just ask at city hall as a concerned neighbor. It's just bugging the hell out of me. Houses in this neighborhood generally sell in 1-2 weeks even in the past few years ....... and then you have this burned out crispy shell sitting there ..........
CoconutPete is offline   Reply With Quote
Old 06-25-2012, 03:57 PM   #11
Member
 
Join Date: May 2011
Location: Massachusetts, USA
Posts: 325
Rewards Points: 250
Default

What is a "normal" timeframe after a house burns?


I had a similar situation on my street last fall. A house next to my neighbor (our lots are 80' wide, so pretty close) burned badly. House was condemned, emergency crew came in to tack some plywood over the hole in the roof and the windows, and that was about it.

The day of the fire, the lady was out in the street talking to the TV news bemoaning the fact that she didn't have any insurance (her mortgage was paid off so she wasn't required to carry any ). She said the night before she smelled something like "burning plastic" in the back room, but didn't think anything of it as her boyfriend had recently refurbished the back part of the house, including the electrical, so what could go wrong? She said this right on TV.

The boyfriend was a DIY hack who was attempting stuff way over his skill level, and he overloaded a circuit and burned the house down. She has no income and is the proud owner of a burned out condemned hulk. I'm pretty sure the boyfriend is (literally) in the doghouse for this. They got a permit and I hear some hammering every now and again, but it doesn't look good. Can't sell except for a total loss, can't tear down or repair fast as they are probably dead-broke as they had to pay to have the structure reinforced so it wouldn't collapse on the neighbor (2 story house on a 40' wide lot). They have the attention of the board so they can't wing anything (thank goodness).

Last edited by Thunder Chicken; 06-25-2012 at 04:19 PM.
Thunder Chicken is offline   Reply With Quote
Old 06-26-2012, 12:54 PM   #12
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


Thunder, that sounds pretty similar. This is in the center of town so our lots are very narrow also, If I was one of the neighbors and had to stare directly at it every day I'd be even more upset. I'm not sure how weak the structure is, but if a good storm was to take a wall down it would land in the neighbors driveway....
CoconutPete is offline   Reply With Quote
Old 06-29-2012, 10:13 AM   #13
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


For sale sign is gone. Maybe somebody really bought the thing ....... either that or he got sick of all the neighbors calling him and asking when he was going to do something about it!

I spoke to the town public relations officer today (I guess they really do have one of those) who will hopefully get back to me with some info about why it just sits there.
CoconutPete is offline   Reply With Quote
Old 07-04-2012, 04:05 PM   #14
Member
 
bubbler's Avatar
 
Join Date: Oct 2010
Location: North Shore MA
Posts: 481
Rewards Points: 250
Default

What is a "normal" timeframe after a house burns?


With homeowners you can have coverage for the depreciated value of the structure, or the replacement cost.

Replacement cost is the way to go because they will give the amount needed to replace the structure, even if it exceeds the present value.

Depreciated value can leave you in a serious bind from what I understand because you may not be made whole.
__________________
My advice is based on anecdotal knowledge or personal experience. I'm not a professional no matter how matter of factly I may say something
bubbler is offline   Reply With Quote
Old 07-05-2012, 01:55 PM   #15
Coconut Pete's paella!
 
CoconutPete's Avatar
 
Join Date: Jan 2010
Location: Charlotte, NC / Denmark
Posts: 1,318
Rewards Points: 500
Default

What is a "normal" timeframe after a house burns?


Public relations person got back to me ...... kind of a funny phone call. She had a bunch of "information" which really amounted to ... nothing. One of the vital pieces of information was that the structure was released back to the home owner by the fire department after the investigation was closed .. WOW - REALLY? Anyway .. the refreshing part about it was that after she gave me everything she more or less said "wow, I just called and gave you nothing but filler material eh". She promised to dig deeper, so I'm still waiting.

CoconutPete is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
My house's previous owner - DIY horror stories Leah Frances General DIY Discussions 128 03-18-2014 06:41 AM
Attach ledger to vinyl sided house JamyTheBuilder Building & Construction 3 03-14-2012 02:54 PM
Mast and weatherhead pulled from house, conflicting information from POCO subcontract SleepnZJ Electrical 1 11-02-2011 09:39 PM
Fixing weekend house staining that went awry jb888s Painting 10 08-17-2009 10:01 PM
I have Central Heating & Air, but house won't cool down..HELP!! exiledone1 HVAC 13 07-10-2009 10:09 PM




Top of Page | View New Posts

Copyright © 2003-2014 Escalate Media. All Rights Reserved.