colson04
Senior Member
We had a total loss fire in 2010. You never want to go through that. We were underinsured as well as the replacement value of everything had skyrocketed. Somehow we found will the to move forward.
My parents house burned down the Sunday after Thanksgiving in 2006 due to an electrical problem. Scariest thing I've ever been in. Woke up at 5am to massive smoke, heat, and my mom screaming frantically. Nobody was injured, lost the family pet. Lost all the contents and half of their house. The other half was gutted to the studs, sealed and rebuilt. My dad was a residential builder and worked tirelessly to rebuild their home over the next 6 months with help from me, my brother and various friends along the way. My mom went into a deep depression that eventually cost her her job. I still don't think she's ever recovered completely from it.
I learned a valuable lesson about insurance policies, how they are negotiated, how the adjusters are crooked devils, etc. I also learned to have the proper amount of insurance and to regularly update your policy.