So I was at school today and It turns out while i was gone my house lit on fire.

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House fires terrify me now.

The house up the road from me went up in flames at about 3 in the morning. I woke up because I heard glass smash.

The guy who lives in there is an old fella. He didn’t wake up. Myself and another neighbour kicked his door in to get him out, then did what we could with as many garden hoses as would reach till the firies got there.

It’s like house fire PTSD now lol. I wish the very best for you. Hopefully nothing inside was too badly torched. Houses are replaceable though. Life isn’t. As long as you’re all alright

Any idea how it started? I've always been paranoid about this especially with dogs in the house.

Fuck... I wish you the best of luck with your situation

Sorry if I've not really been active on my post I've had to sort out the situation all day and have temporary moved into a hotel

Dude, that's horrible. Hope things get sorted quickly.

I work in home insurance. Let me know if you have any questions and I'll help the best I can.

hey op here is some food for thought for your parents and submitting insurance claims

https://np.reddit.com/r/personalfinance/comments/43iyip/our_family_of_5_lost_everything_in_a_fire/cziljy3/

That's brutal and emotionally taxing to the max. A few years ago, my wife accidentally set our apartment on fire while trying to deep fry chicken. A little of the oil must have run down the side of the pan.

Our infant daughter was making noise in another room. Moments after checking on the kid, my wife returned to the kitchen to find the pot in flames. Ultimately, the sprinklers did more damage than the fire. With the help of a neighbor, thankfully they had the fire out before water started spraying everywhere. Burning oil and water are a really bad mix.

They used five fire extinguishers. All were years out of date, and the first couple just fanned the flames.

The last one extinguished the fire right before the sprinklers went off. The fire was out, but the sprinklers ran for half an hour, and the apartment was six inches deep in water...on the second floor.

My wife used to call me at work several times a day. It gets tiring. When one of my employees held out the phone for me when I was about to clock out, I just told him to tell my wife I was on the way. He passed on the message. I saw his eyes grow wide.

"She says your apartment is on fire!"

I followed the fire trucks to my home screaming profanities at the complete idiots who couldn't figure out how to get out of the way of freaking fire trucks. That's a really terrible feeling.

1 am in the morning we saw a glow outside our 2nd story window, my neighbors house was totally up in flames and the owner was ready to run back in and get his other dog. We had to stop him since the house was completely up at this point.

Turns out it was a ceiling fan fire in the back porch.

That sucks man, I’m praying. Was anyone hurt?

A similar thing happened to me in 2011, I was out walking my dog and when I came back the house was on fire. It sucks. I still live in the rebuilt house on the original lot today.

Fuck man...sending some well wishes your way.

I wish you the best of luck. My family's house burnt down while we were vacationing in Florida. Nothing was salvageable. Thankfully all our animals were able to escape. It was a long road to recovery, and I'd say we are still recovering five years after the fact. It will be hard and very stressfull moving forward, but be grateful no one was harmed. I wish you and your family the best during this awful time.

Man, things like this scare the heck out of me. No matter how many safety measures are in place, there is always that one chance in a million that shit goes sideways. Hang in there OP! I am sure everything will get better.

You're getting a lot of comments on this and some are helpful and some are not.

I went through a house fire 14 months ago. Total loss of contents due to smoke and soot and water. The house had to be gutted. I'm a lawyer who is familiar with insurance and bad faith lawsuits. I knew what to look for and I was still flabbergasted by the process. Call your insurance agent. Depending on your coverage, you could have a lot of options on Day 1. If you feel like you need advice or extra input, send me a PM and we can talk. Im glad to offer any advice or guidance that I can.

The Number One Rule - this is a business dealing between you and your insurance company. They are NOT looking out for you. They are NOT your friend. They know what they owe you and will try to keep their payout low. You're going to have to fight for your rights under the insurance contract. Email your agent for a CERTIFIED copy of your policy with all addendums.

I know you're getting inundated with shit but I just wanted to say I'm sorry this shit happened to you. I've lost all my shit twice growing up (because of flooding, twice) but at least I had a roof over my head.

Good luck dude.

Woke up at 6am to get my kids up for school. House full of smoke. Dehumidifier in the basement caught on fire. Not uncommon per the Fire Marshall. Terrifying, especially since you smell nothing when sleeping, but it was acrid plastic smell for weeks. Tg it happened when it did and I woke up when I did. Good luck!! Things can be replaced, people can't. 💓

https://www.reddit.com/r/personalfinance/comments/43iyip/our_family_of_5_lost_everything_in_a_fire/cziljy3?utm_source=reddit-android

Check out this post on how to not get fucked by insurance, I've had this saved for a while and I feel like you could use it. Hopefully this won't get buried

Put it in a bag of rice.

To quote u/1020304050

"Hey OP... I used to be the guy who worked for insurance companies, and determined the value of every little thing in your house. The guy who would go head-to-head with those fire-truck-chasing professional loss adjusters. I may be able to help you not get screwed when filing your claim.

Our goal was to use the information you provided, and give the lowest damn value we can possibly justify for your item.

For instance, if all you say was "toaster" -- we would come up with a cheap-as-fuck $4.88 toaster from Walmart, meant to toast one side of one piece of bread at a time. And we would do that for every thing you have ever owned. We had private master lists of the most commonly used descriptions, and what the cheapest viable replacements were. We also had wholesale pricing on almost everything out there, so really scored cheap prices to quote. To further that example:

• If you said "toaster - $25" , we would have to be within -20% of that... so, we would find something that's pretty much dead-on $20.01.
  
• If you said "toaster- $200" , we'd kick it back and say NEED MORE INFO, because that's a ridiculous price for a toaster (with no other information given.)
  
• If you said "toaster, from Walmart" , you're getting that $4.88 one.
• If you said "toaster, from Macys" , you'd be more likely to get a $25-35 one.
• If you said "toaster", and all your other kitchen appliances were Jenn Air / Kitchenaid / etc., you would probably get a matching one.
• If you said "Proctor Silex 42888 2-Slice Toaster from Wamart, $9", you just got yourself $9.
  
• If you said "High-end Toaster, Stainless Steel, Blue glowing power button" ... you might get $35-50 instead. We had to match all features that were listed.
  

I'm not telling you to lie on your claim. Not at all. That would be illegal, and could cause much bigger issues (i.e., invalidating the entire claim). But on the flip side, it's not always advantageous to tell the whole truth every time. Pay attention to those last two examples.

I remember one specific customer... he had some old, piece of shit projector (from mid-late 90s) that could stream a equally piece of shit consumer camcorder. Worth like $5 at a scrap yard. It had some oddball fucking resolution it could record at, though -- and the guy strongly insisted that we replace with "Like Kind And Quality" (trigger words). Ended up being a $65k replacement, because the only camera on the market happened to be a high-end professional video camera (as in, for shooting actual movies). $65-goddam-thousand-dollars because he knew that loophole, and researched his shit.

Remember to list fucking every -- even the most mundane fucking bullshit you can think of. For example, if I was writing up the shower in my bathroom:

• Designer Shower Curtain - $35
• Matching Shower Curtain Liner for Designer Shower Curtain - $15
• Shower Curtain Rings x20 - $15
• Stainless Steel Soap Dispenser for Shower - $35
• Natural Sponge Loofah - from Whole Foods - $15
• Natural Sponge Loofah for Back - from Whole Foods - $19
• Holder for Loofahs - $20
• Bars of soap - from Lush - $12 each (qty: 4)
• Bath bomb - from Lush - $12
• High end shampoo - from salon - $40
• High end conditioner - from salon - $40
• Refining pore mask - from salon - $55

I could probably keep thinking, and bring it up to about $400 for the contents of my shower. Nothing there is "unreasonable" , nothing there is clearly out of place, nothing seems obviously fake. The prices are a little on the high-end, but the reality is, some people have expensive shit -- it won't actually get questioned. No claims adjuster is going to bother nitpicking over the cost of fucking Lush bath bombs, when there is a 20,000 item file to go through. The adjuster has other shit to do, too.

Most people writing claims for a total loss wouldn't even bother with the shower (it's just some used soap and sponges..) -- and those people would be losing out on $400.

Some things require documentation & ages. If you say "tv - $2,000" -- you're getting a 32" LCD, unless you can provide it was from the last year or two w/ receipts. Hopefully you have a good paper trail from credit/debit card expenditure / product registrations / etc.

If you're missing paper trails for things that were legitimately expensive -- go through every photo you can find that was taken in your house. Any parties you may have thrown, and guests put pics up on Facebook. Maybe an Imgur photo of your cat, hiding under a coffee table you think you purchased from Restoration Hardware. Like... seriously... come up with any evidence you possibly can, for anything that could possibly be deemed expensive.

The fire-truck chasing loss adjusters are evil sons of bitches, but, they actually do provide some value. You will definitely get more money, even if they take a cut. But all they're really doing, is just nitpicking the ever-living-shit out of everything you possibly owned, and writing them all up "creatively" for the insurance company to process.

Sometimes people would come back to us with "updated* claims. They tried it on their own, and listed stuff like "toaster", "microwave", "tv" .. and weren't happy with what they got back. So they hired a fire-truck chaser, and re-submitted with "more information." I have absolutely seen claims go from under $7k calculated, to over $100k calculated. (It's amazing what can happen when people suddenly "remember" their entire wardrobe came from Nordstrom.)"

That’s how mafia works

Man you had a nice house

What the cause of the fire and how can it be avoided?

I am so sorry! This is one of my very worst fears ever.

My parent's house burned down from a lightning strike on Mother's Day in 2000. It burned all the way to the ground because the fire trucks couldn't make it up our driveway (we lived on a hill back in the woods). :\

Best of luck to you!!

I saved a thread about an insurance adjuster with phenomenal advice. Let me grab it.

Edit : Here it is

I'm sorry for you and your family. I had a friend who passed when her house caught fire a few years ago. I don't wanna be another person who says 'as long as everyone is okay' but it's true. Material things can be replaced, life can't. Good luck, try to keep the blood pressure down.

I’m so sorry!!! House fires are really scary. I remember when I was 14 our rental house next door burned down (nobody was living in it at the time). I woke up to the fire chief knocking on the door in the middle of the night and saying the house next door is on fire. It still freaks me out to this day. Everything will be okay and God bless you and your family.

Dude, i saw that you posted a picture of your pc setup. I wonder if you could get insurance claims for your broken pc. Maybe if you forgot the specs (you could upgrade it). I know it sucks that your house burnt down, but you gotta look towards the positive side of things. I'm not sure if thats how those home insurance things work, but i really hope everything turns out great for you!

Omg Im so sorry

This is literally my worst nightmare.

Call Red Cross too! They will help with temporary funds. My FIL’s house just burned down and they came out.

Also, try ASAP to start an itemized list of every item in your house that you can think of. When the insurance agency calls make sure to be specific I.e. 60” Samsung TV not just TV in living room.

I’m sorry you’re going through this :(

Oof. Uh. Have an upvote.

Im sorry

Bummer OP. In... 2009? Junior year of college. We had fall break. For my university, we had Monday/Tuesday off. I went home for the weekend, then back to school (parents working, sister in school, I'd be home alone during the day, chose to spend that time in my dorm cleaning my room and getting a head start on a research paper, but really I watched like three seasons of Lost on Netflix).

Wednesday was a normal day of classes. Wednesday afternoon the science department lit up some thermite because a new professor cleaning an old storage room found some, and the department thought it would be fun (and it was!). Immediately after I get a phone call from my dad. Sister got home from high school, opened the door to go inside the house, wall of black smoke.

She got to grandparent's house (almost across the street), called 911, dad got home, sometime during that stretch our two cats (indoors 100% of the time) were located and safely... moved to a car or something, I don't remember. Mom was on her way out of town for something, she came home when she found out.

tl;dr, old TV (big HD screen, but the last of those big monsters that took several people to move, before big flat screens became a thing) caught fire at the base, burned hot enough (burning the floor and wall) to bust the end of a fish tank (living room and dining room were kinda one big open space, fish tank was on a counter in the dining room, which put it at a 90 degree angle from the edge of the TV). Fish tank emptied onto the fire, putting it out (mostly). So like 99% of our damage was smoke damage. Family lived at my grandparent's house. I was there over Thanksgiving. I was the first to move in back home, I had to come home from college in the morning, clear space and assemble a bedframe, so my sister's mattress could be delivered and set up in her room, so I could sleep on the air mattress (otherwise one of us wouldn't have a bed that night).

Almost a full decade later, we still find things that have these little purple tags on them, tags used by the cleaner to identify our stuff (because literally everything with fabric in our house was loaded into a truck and driven an hour away to a big industrial cleaning place to get the soot and smoke smell out of it). We trashed a lot of stuff (those big long dumpsters that go on the back of an 18-wheeler? filled 2 or 3 of them, because mattresses and sofas had to go, and then we did some spring cleaning while insurance was paying for those big things to be hauled on/off our property). Some of the books on my bookshelf still have a tiny bit of black on the edge of the pages (as my room was least touched by the smoke, I think what got into my room went up into the crawlspace, so they didn't put as much effort into "deep cleaning" things like my bookshelf; side note, fire department took forever to find the source of the fire because it was mostly put out and there was so much smoke they kept looking for a bigger fire, and they busted through my closet ceiling into our crawlspace, and until that was fixed my room was like thirty degrees colder than the rest of the house... thankfully that was done within a few days of us moving back in). I'll never forget just how black the interior of our house was, and the nasty "soot spiderwebs" that stretched across the house (imagine cobwebs, but as black as you can possibly imagine, and larger, and just more scary looking). Or the feeling of coming into the house just to look around and assess the damage, and not having a clean spot to set down your car keys. Or going through, not touching anything, and still having black smudges on your clothing when you left.

In 2012 I had graduated college and was delivering pizza. One day my boss told me "This family has had a fire, someone (in their church, I think) is paying for their lunch, they don't owe you anything when you get there." So I knew not to ask them about money (or for anyone to sign for using a credit card, the cardholder wouldn't be there). I was glad to help out, I knew what it was like. What my boss didn't tell me was "they had a fire THIS MORNING." I had to move my car when I got there so the fire department could exit the neighborhood. I was delivering pizza to the family (parents, 3-4 kids, at least two grandparents also lived there, maybe an aunt or uncle, many more people effected than when my family of 4 went through it) while a representative of... the Red Cross? was talking to them about getting set up at an extended stay hotel nearby, as well as covering costs for things like toothbrushes and other base need essentials. They hadn't even left their house after the fire yet, they hadn't even been inside somewhere else yet, to get cleaned up or anything.

I'll be honest. Yours looks worse than ours. And we still feel the effects a decade later. It'll be rough. But it'll be okay. And it'll give you some valuable perspective on the world, just having a grasp of what it's like to go through some shit. I'm just now reading that insurance adjuster post... I wish I could comment more on that, but my mom took care of that (I was still living on campus at the time, I wasn't near as "displaced" as my family, because a lot of my stuff was with me at school, and my daily routine didn't change even though they didn't live at home for two months, you know?). All of that about taking pictures and itemizing everything? That's good advice. It'll be worth the effort.

Reach out if you have any questions, or just need to vent.

Lawyer up. Record everything. The adjuster is NOT your friend, they work for the insurance companies. For example: The additional living expenses (ALE) may be a separate pool from the contents.. so watch out for the first place they put you ..our insurance company put us in a shithole apt/hotel... that was charging $5500 a month for an unserviced furnished box. The 60K ALE disappears really quickly at that rate- forcing you to settle at a disadvantage... and that's just on day one...again LAWYER UP NOW ! EDIT: I have MUCH more... packers putting 2 plates in a box.. then charging for 2 cubic feet of storage, and shipping.. it is relentless, and they do it while you're traumatized...

I'm so sorry to hear that. My thoughts and prayers are with you.

We had a house fire when I was thirteen, scariest thing that’s ever happened to me and it still messes with me to this day. I wish you the best of luck and I’m so sorry this happened!

That’s terrible. I came home to a much smaller house fire several years ago and it took me a solid year to not expect to find another when I entered the door. Be well.

Put some ice on it

any idea what caused it?

Fuck I never realized I could’ve used my house burning down for karma...I’ll just wait a week till everyone forgets and use some old pics

“r/wellthatsucks”

That doesn’t suck that’s just completely devastating.

Always nice to come back to a warm house on a cold winter day.

Feel sorry for you buddy. Hope you are covered.

At least the weather is nice.

Ay bruh do you live in the house from Drake and Josh? I am getting deja vu here.

Just wanted to share this comment I saved once about filing an insurance claim with you. It’s by far the best advice I’ve ever read.

https://www.reddit.com/r/personalfinance/comments/43iyip/comment/cziljy3?st=JQRJAO8Y&sh=16467cb1

Yo how can we as a community help fam?

Did your Juul explode?

hey at least you got 31.7k in karma.

At least the spiders are dead.

Lesson learned. Never go to school.

I'm incredibly sorry for you! This is probably one of the worst things that could happen to someone. I really hope the damage isn't too bad and that you have the funds/insurance to fix everything! All the good wishes to you and your family

Press f to pay respect

Can’t imagine how you must be feeling right now but I’m sure it’s a emotional time so best of luck to you and yours and I hope you’re able to rebuild you life quickly and easily if possible. Take care.

If my house burned down I would probably tell reddit before my family or the police

The big bad wolf finally had enough of the brick house

Also I'm sorry man that genuinely sucks

When I was in middle school(80’s) I was out riding my bike during winter. It was pretty cold out, I was bundled up.. as I rode by my buddy’s house I noticed him standing in his front yard holding his cat in a a pair of shorts and a T-shirt. I rode up and was like “Wazzz uppp?”. He said “ my chimney is on fire and I’m waiting on the FD. I was like “cool, later” .. just a little chimney fire cause they hadn’t had the flue cleaned in years...

Sorry this is awful

Shite man! Hope you'll be alright. Best of luck to you!

Oh my gosh. Sorry to see this. Thinking of you and your family!

I hope for a quick recovery for you and yours

Dude(ette) good luck. Keep us posted.

I don’t think houses are supposed to do that

Hey if it makes you feel any better, our house burned down on move-in day. Someone put a box on the stove, must’ve accidentally turned the stove top on. We went to eat lunch, came back homeless. Lmaooo

Lit dude. Im sorry. Hope you get whatever help you need.

House fires are such a shitty thing to happen. All that you love and cherish is for the most part all in that house, and fire completely wipes all that. I can't do much more than hope you make it through okay.

I am so sorry this happened to you. Thank God no one was hurt. If you need someone to talk to, reach out to a therapist near you. They work wonders and can help you through this.

A little bit of paint and it will be fine...

Wow that REALLY sucks

Happened to me once too while I was in the 7th grade (though not as severely, we just lost our kitchen)

I’m sorry this happened to you and your family, know that it will get better.

Oh no

So sorry op! I lost my family home growing up due to a fire caused by lightning. Hope things get better ❤️

I hope that any personal belongings weren’t destroyed. Family items, collectibles; and while yes the first priority should be is everyone okay but loosing that kinda stuff is hard

Can we start like a charity for this guy or something?

What did you leave on?

Where do you live?

Odd alibi, but okay

Ah man that sucks so much. Good luck I hope everything gets back on track ASAP!

Well, on the bright side you’re on the right sub. Hope the best

My heart goes out to you. I cannot even imagine losing everything. You're in my thoughts are with you and your family during this difficult time.

F

Very glad for you no pets or people were inside. Things can be replaced, though sorry for the loss of sentimental items. Think of this as a sudden start to a new beginning

Did you live the oven on?

Did your Nintendo survive

What about the inside is it there ? Partly burnt ? Fine?

F

Every day I drive by a big white house. This house is nearly identical to the 100+ year old house that stood on the same foundation about 10 years ago. Every time I see that house I think of the girl that died in that old house the night it burned to the ground. I met her a few times, I never knew her well.

Her family still lives in the new house. I can't imagine what it's like moving into a house that looks just like the one you had a few months before, but with that one empty bedroom that looks just like where your daughter used to sleep.

Sorry to hear that man. That sucks. Thank God for HO insurance

That sucks man. I know the feeling. When I was on holiday someone set fire to my car which melted the front of my house and drive. People are dicks.

Glad you and your family are safe OP!

I mean, at least only Part of it.

I see a little bit of snow. If this is somehow a few hours from Albany NY area I can bring you stuff if needed.

How much of the house is damaged?

It's okay.. At least you got some reddit karma 😊

Hey im here if you need someone to talk to. I went through a house fire one year and 3 days now ago. I lost nearly everything and I know how horrific it can be. Please don't be scared to reach out, im here if you need someone to talk to.

Hang in there. It happened to me when I was in 11th grade. Most house burned. What did not was smoke damaged. We stayed in an apartment for six months while it was rebuilt.

F

I'm so sorry for the loss of your home.

this is the most “well that sucks” post ive ever seen on here

That’s a lot of damage !! ... sorry for your loss . Hope everyone was okay . U can replace possessions but you can’t replace loved ones . keep that chin up OP!!

Ugh that sucks so much, I'm so sorry your family has to go through this! My grandparents lost their house to a fire last year, everything was ruined. Tons of family heirlooms, furniture that had been in the family for decades; we were able to save some things, but almost everything was gone. Its incredibly devastating :(

I've been there, OP. I'm so sorry.

OP left his mixtape playing

I’m so sorry. That must be so horrible to experience. Hopefully the insurance company will cover you. Be careful with fake contractors and fraudulent people.

Hey my house burnt down this summber and it fucking sucked. Best thing you can do is keep your head up. One thing I learned is that you'll always think you have something and then you'll do the classic "fuck it was burnt in the fire". Anyway hope things get better from here.

I feel ya. I was 2 in my little crib sleeping and my little brother set my house on fire and my mom saved me just before my roof collapsed. We lived on a farm and she was out in the yard before the fire got bad apparently.

Another time I was sleeping in my apartment and my roommate came home drunk and changed before going back out. She threw her shoe into the kitchen area. It landed on the stove and hit the element dial to 9 and landed on that element. It set the shoe on fire after a while and then the cabinets. I had a building maintenance guy walking around at 4am and he heard my alarm going off. I had been drinking so I didn’t hear it. He saved my life and put out the fire.

Gosh, I’m so sorry that happened to you :( I’m glad your family is safe

That is not very epic :(

Oh gods, my little sisters house went up in flames on December 30th. Everything lost, from her kids Christmas presents, to her last work shirt.

Unfortunately that was her trailer that was uninsured. It's a good lesson on why everyone needs insurance.

When filling out claims for insurance, be specific.

If you had a four slot toaster with electronic controls, don't just just "toaster", because they'll assign a value for the cheapest 2 slot piece of shit toaster available. They can only go by what they're told, and then they err on the side of saving money.

That house looks like they got all the after school snacks.

Not hurt, in school but have a house? This was a shitty day for you but you're going to survive I promise.

I'm willing to recreate every family photo you lost with you. It won't be the same but will be fun.

Just remember to quote every item you lost as the most expensive on the market. You didn't have a toaster you had the most expensive one on the market, same with tv stove what have you.

Best of luck, I'm so sorry for your shitty day. <3

Good luck with everything, I had gone to the grocery store to get groceries and on my way home got a call that my house was on fire from my fiancée, and saw smoke as I was heading down the road, lost all of our house and everything inside and our cat, took quite a few months to actually finish the list and turn it in and about a couple months for the money to come in, all in all probably spent about a year and a half from when our house burned down to when we moved into our new one and got our check.

I hope you’re safe and everyone in the house. Sending love for the next steps after this.

I've been through 2 myself. If I've learned anything it's this: Stuff is just stuff. It may have sentimental value, which hurts, but in the end, the $5 shirt burns the same at the $50 shirt. Never take anyone for granted. I have thankfully never lost a family member, unless you're including dogs. Just recognize things could be a lot worse, losing a parent or sibling. God bless! Will keep you in my prayers.

On the bright side, you were safe!!

God damn...that sucks man.

I hope there were no pets inside.

Jesus. I'm sorry to hear this, dude. I hope you can rebuild soon.

Oof

This should be a roast me post!

The upside: you weren't in it when it did!!

I had a similar situation a few weeks ago, day before going back to school though

That’ll buff right out.

At least it cleared the snow off your roof

Make sure you don't comment about what you think happened or not. Your insurance company will somehow find out and use it against you.

Play soundcloud playlist with caution next time.

My childhood home burned down a couple of years back and my mom didn’t make it. I understand your pain and if you need to talk or vent, pm me anytime. Insurance will definitely be a useful resource if you read what your exact coverage is.

Mr TardMcGee I believe that’s more than a Wellthatsucks

Insurance pays amazingly well. For what it’s worth, you’re about to get a check for over $100,000 to replace just your stuff. (As well as another check for the replacement value of the house!)

But on the bright side . 24k karma. Not bad OP , NOT BAD A TALL.

Oh man!! That really does suck! I’m glad that no one was hurt, at least. Hope all is well.

Wish you the best. Happened to my family while I was away at school. Electric blanket. Lots of patience necessary ahead but remind yourself that you’re all okay. Family is a very precious thing. Hang in there. You’ll be ok.

Shoot man, sorry.

This happened to me in primary school. Still can't wipe it from my memory

So very sorry.

Woof that sucks! Best of luck OP!! It’s just things. I know it’s an easy thing to type from afar but it’s true.

As long as everyone got out, it’s ok. I know people mourn “things”, but they’re just things. I’m so sorry, but I’m so happy it was only a house.

Good luck op ! Wishing you the best

Wellthatsucks

Where's the Fire Dept?

I’m so sorry, I hope you didn’t lose any pets 😟

I was never afraid of a house fire until I woke up one morning to my neighbor’s house on fire. Looking out the window at 5 am the week after I graduated high school to a house engulfed in flames was actually terrifying.

Good luck, OP. I can imagine how difficult it is to lose everything, but at least you’re safe.

Insurance I hope! Terribly sorry.

Fucking hell. I wish you the very best and hope you'll be able to recover from this.

Was the cause of the fire lemons?

Well that sucks

At least it wasn’t a California wildfire. You would have nothing left, not even the toilet! No DEW’s in your state, I guess.

I know the feeling

Ahhh man.... Sorry about that. My dad's business burned down when I was in HS. It's not exactly the same, but you will recover.

Glad to hear no one was hurt! Did they figure out what started it?

Siiiiiick

Good job on covering your base. "I was at school" wink wink nod nod

Hopefully no one was hurt..

That sucks man. Had my house burn down in 1993 and I wouldn’t wish that on my worst enemy.

I’m so sorry!

Your house is LIT!

Why'd you do that?

F

Scared to death of house fires ugh. Our rental burned to the ground some years ago and we lost everything with no rental insurance (first time renters, forgot to pay the annual fee, learned our lesson real hard). We live with my significant other’s father now because he can’t take care of himself well due to age and alcoholism. Came home from work yesterday to a house filled with gas. Drunk ass left the burner on and passed out in his room. Second time he’s done it.

Oh I’m sorry :(

Username checks out

Hi, I’m your hair straightener and I just looove living on the edge, of your sink. Ooopsie, looks like I leaned a little too far and you hair clogged sink doesn’t drain fast enough. ~flames~

Get Allstate and be better protected from mayhem, like me.

I want update on the cause of this fire.

That's rough, buddy.

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That’s hot

Shits lit

Congrats man!

I left my mixtape playing in there, sorry.

When you write up the claim be very detailed on every single belonging. I saw a post a while back that you need to say exactly what brand and model of item you had. Example don’t say “a toaster” say “Electrolux premium double side toasting 200XL with integrated DVD player toaster”

Where are you? What do you and your family need?

So what's a fair market price now?

I know your pain. Hopefully things will work out for you and yours. Prayers are with you.

Thats lit

Hey, bud. My house burned down like a month ago. Everything will be fine, I promise. Thankfully everyone got out safely. We lost everything and I'm sure you did too. From fire and water damage from the firefighters. But itll all be alright hang in there.

This is so sad

Happened to me in September of 18. Except I wasn't away, I was asleep at 5 in the morning when it started. Thank smoke detectors for waking us up.

Don't hesitate to ask the Red Cross for assistance. They can give you vouchers for all kinds of things almost instantly like hotel rooms and clothing. My house burned in 2007, and I had offers from the Red Cross, but I didn't think I needed them. It would have made life a lot better for about a week because I had nothing but good friends and a couch to sleep on. Most of my belongings still existed, but were ruined. Not having shoes for a day or two sucks, and when recovered, I couldn't stand the smell. I have a better than average insurance company according to the comments. The only thing that sucked was I had to put money up for a room for a day at a hotel, but every dollar I spent was instantly reimbursed. I didn't have much money, but a local hotel owner cut me a rate of 50 percent. The fire happened on a Sunday night and my insurance company cut me a check for the full amount of the policy for the house by Thursday minus the 3K deductible. They paid for displaced housing when I rented an apartment and paid for the full six month lease even though I stayed only a month and bought another house. Everything I lost, except my Kitty, was paid for for replacement value. Even if something was obsolete, the new version was paid for no questions asked. Who are some of you people getting insurance from that delay payments or fight you? I hope you do well. It looks cold there. I hate to tell you, but you may have dreams about this for years. I still do. It happened very quickly. I woke up to the fire, but coming home to one might be just as rattling.

For some reason I immediately thought about A series of Unfortunate Events

Shit that is awful. I’m sorry you have to go through that. I hope your future is way brighter mate!

Atleast your house is made outa brick

Sounds like someone’s forming an alibi

At least your driveway is cleared

Same

No one believed his porn collection was fire.

Lots like it was pretty LIT... im sorry I’ll see myself out

Sorry to hear about the house man, thank God no one was hurt and for house insurance

I told you to listen to my mixtape outside for a reason fam.

How

Is the Xbox ok tho

I feel for you! Had a random arsonist set our apartment/studio on fire. We weren’t home but only one of the kitties survived. A firefighter crawled under the smoke and brought Juju out, but Spock, who loved to sleep in the rafters, died from smoke inhalation. My poor baby. It was an incredibly shitty several weeks and we had no insurance. Typing this brings back all the feelings.

Fun, haha, I had the same thing happen to me today only I was at work and all the damage was contained to my bedroom. Fml right op?

I’m so sorry this happened to you man, God I couldn’t imagine what you and your family is going through. I wish you the best of luck and hope you get through this. Did anything significant besides the house get destroyed?

Feels Bad

I hired an insurance adjuster. They got 10% but did a much better job than I ever could. They dealt with insurance company and the stress went from 100% to 15%. Highly recommend.

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I always feel bad upvoting a post like this... but here’s your upvote! If there’s anything I can help with PM me. If your a gamer I have some games for Xbox and PlayStation. Or if you just need a beer and a slice of pizza let me know! I wish you well and hope your doing ok!

That’s litty

/s

Did you see the smoke from far away and think: boy, I hope that's not my house.

Hey now you can make charcoal chicken!

That’s what you get for leaving your mixtape in the garage.

Seriously though, hope everyone’s ok.

Wow that was a nice house

Quick, somebody link OP to that insurance adjuster post explaining how to properly put a claim in with as much description as possible.

Nice brick house too. I love brick houses. I’m sorry for your loss and the aftermath that you will have to deal with.

You didn’t leave your Xbox card remote on did you?

Aayeee, it's fucking lit

There is no good way to describe the gratitude no one got hurt with the simultaneous feelings of total violation and vulnerability. Went through this two years ago. Stuff can be replaced, memories are with you forever

Can OP legally make a GoFundMe and get insurance money?

You mean your parents house?

Did someone through a cig into your dried brush? Cause that is what it looks like.

I've been there. Bad times.

Nice. Hopefully you had good coverage. You're about to get a lot of shiny things. Make sure to look at previous "how to claim" post so you know how to get that flagahip 100 inch TV that burned.

My deepest sympathy to you and your family. I truly hope you guys get back on your feet as soon as possible.

Damn getting roasted while at school just got a new meaning

So sorry...Having been through a house fire I know how devastating it is....Everything, gone, just like that.

I haven't perused the rest of the comments but I hope everyone in your family is ok, including pets. I was fortunate enough to not lose any human family members in the fire, but did lose 3 pets(RIP).

Looks like my neighborhood haha, hope everyone is ok

Is your pet okay?

Oof

Oh man, so sorry OP

Does it not look like the garage (?) At left is still on fire?

Is everyone okay? That seriously sucks, man. 💙

You got burned boiii

.... well, guys, I think the pizza's ready.

Ahah well fuck

How has nobody made a pun of the user name?

I'm so sorry this happened, glad you guys are okay, nobody hurt.

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My grandmother died last month in a house fire, 1 week before Christmas.

It’s a strange thing, but losing the house which she raised a lot of us in makes mourning all the harder.

Sorry for your loss OP, I wish your family luck in recovering from this.

Well that sucks

My house caught fire two years ago while we were asleep inside. I can relate to the swing of emotions you may be feeling. I’m so so sorry that you had to go through this but very glad you and your family is safe.

I remember getting home from school one day shortly after my uncle had moved across the state. My mom was watching the news, and on screen there was a house on fire. She asks me "You know how your uncle moved recently?". I respond, "Yeah, why?" "That's his house."

So?

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My home burning down while I'm gone terrifies me. My poor pup would be stuck in her crate 😱

Oh so sorry

That's a nice home you have there. Shame something happened to it :(

My house caught fire a few years ago, everyone was safe except a lot of family pictures and things I had from my grandfather who had passed away. We couldn’t afford the repairs so we had to leave. Spent most of my childhood there

It sucks - there is a huge emotional toll that comes with a disaster like this. I feel for you and your family right now. I pray you and your family find peace and a place to stay. It hurts my heart seeing people go through things like this

im sorry man

Oof

Well that sux

You must've gotten my mixtape then

I’m so sorry that this happened to you and your family. It’s such an awful thing to be displaced like that. Everyone here is giving great advice, it’s wise to make a list, go through your bank records and price out every item that was lost. It will save you a lot of time in the long run.

This happened to my family the Christmas before last and we had an intense ordeal in which the insurance company refused to respond to any of our communications regarding temporary housing, estimates for the structural and personal loss. We finally got lawyers involved and received the settlement last November. Make sure to pester the insurance company often, it isn’t normal for a settlement to take several months. Good luck!

oh geez, sorry man

Neighbor’s house caught on fire, took a long time to get back on track. Good luck, hope your family’s safe.

So you've got your alibi, good! Next, you're gonna want to make sure... jk, sorry about your home dude :(

😔

Back in 2002 my house burned down. We lost everything even both of our dogs. The only thing that helps is time.

Bruh! This post is lit

Edit: Also, my deepest and sincerest sympathy for you and your family. This is awful and I wouldn’t wish it upon my enemies. Hope everything’s okay (haven’t read through the comments yet).

*caught

Sorry about your house mate, I am still financially recovering from my house burning down on June 4th 2018. It was devastating and wiped out my savings. There are a LOT of organizations that can help you out, but it is going to be very stressful for a while.

I’m so sorry bro!

What a great learning experience! I'm sure God has some awesome things in store for you!

Cue a series of unfortunate events.

This has happened to me!! My garage is a separate building from my actual home and I got a call saying there was smoke near my house. Turns out my entire garage was on fire by the time I got home.

On the up side you now have a very big pizza oven.

I'm sorry. I hope everything is OK and you didn't lose anything important.

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I blame fire

What? It was lit or there was a cause other than human? Caught on fire, maybe? How? Make some sense here. Either way, sorry for your loss.

This is weird. My family woke up today to a house fire across the street. So much smoke... Anyways, I hope you recover gracefully.

Wait, do I up vote this, because clever title. Or down vote because bad fire, bad BAD fire!

That sucks

Damn, that sucks. Hope everyone is okay and that everything goes well.

When I was 17 I came home from school to find the same scene... my house engulfed in flames and completely destroyed. It took me about three years to stop dwelling on it - and another two years to stop blaming my mother for causing it. She left a candle burning and it somehow spread and sent the whole house ablaze.

Now, 18 years later, I look at it as a valuable learning experience. I learned that material possessions are rather meaningless. I learned that the people in your life are what makes a home - not the physical dwelling. It has ultimately made me focus more on “experiences” and less on accumulating “stuff”.

The next few years may be tough on you, but don’t lose faith. Lean on your friends and family, this is an event that can bring you all much closer.

This is no joke.

OP, you’re going to have a shitty time for a while even with the best of luck. And I do wish you the best of luck.

I hope everyone’s ok, and that you get max coverage.

I am so sorry. My moms house burned down sept 2017 and it was horrific. I hope everyone is ok!

My mom had an attic fire about 7 years ago. her old ass dog was sleeping in the front room with embers falling on him and he still didn't wake up. She woke up for some reason and went out to figure out why she woke up and could see shit falling on the dog (he was old as fuck). Called 911 and went outside. Didn't do TOO much damage really, but her insurance gave her money for anything that had "soot" on it. So she got new flooring for the kitchen and front room, new TV, etc. I told her to get a bigger TV at the time and she didn't think she needed one and now.... she looking for a bigger TV. Insurance took care of shit really well, but I felt bad she had to stay in a hotel for like 3 months or so.

Had this happen 12 years ago and although I was only 8/9 I still remember everything so clearly. House fires are one the worst experiences. I wish you the best and hope that you are able to be back in your home soon!!

It happens

I had a house fire (also electrical) in December of 2016. I'm sure things seem really overwhelming and shitty right now, but it will get better. I just remember standing on the side of the road with nothing, a million things running through my head thinking what am I am going to do... but try not to think about the big picture too much right now. Just be happy you are safe and your family is safe. Things could be so much worse. All the best to you, I hope things go smoothly with insurance and the rebuild.

SEYMOUR! THE HOUSE IS ON FIRE!

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Man, so sorry. Always my worse nightmare to be driving home and see smoke, and the closer yoi get the more you realize it’s your place. I hope you have good insurance, but I know you’ve likely lost things that are irreplaceable

I remember my apartment complex had caught on fire when i was a kid it was in 09. The fire started 2 building from mine and I was asleep but my parents woke me up after someone started banging on the door telling us there was a fire so I quickly got up and left while my dad grabbed the important stuff we couldn't lose. The whole night we watched the fire department try to put out the fire. After they had put it out we lost pretty much everything. I hope you bounce back from this op!

Life do be like that sometimes

Condolences

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Well that really sucks

Yo this happened to me a year ago! It really sucks

So sorry to hear that! My house burned down when I was in high school. I hope no one was hurt. From someone who went through it, I know you’ll get through it, too. Some stuff is hard to lose, but it is all just stuff. Your parents undoubtedly have homeowners insurance, so you’ll be able to replace your things. I know not everything can be replaced, but I’m glad you’re ok.

For perspective, by the next year or so after we had rebuilt the home (with insurance money), everything was back to normal. It’s a stressful blip (way more for my mom than for me), but life goes on.

why is that wheat not already harvested???? It’s winter!!!

u a music producer by any chance?

That’s horrible!!!!

Good luck OP. Glad your family is safe!

Well, that sucks

My family home burned when I was 11-13 I was sleeping at a friend's house a few houses down. Did not believe my mother when she came and told me. I only realized the scope of the situation at school the following week.

Why can't things like this happen the other way around--when ppl stay at home, and schools on fire.

I'm so sorry about what happened to you. it will take a long time to get 100% back to normal but just by y'all having insurance will make thangs go plot smoother trust me not having insurance on your house/stuff will be really hard. So everyone please get insurance, you'll regret it if you don't( speaking from experience of hole house being flooded).

Huh

At least it's made of bricks.

Flat next door to ours caught fire. We lived in a really bad part of the South LA "hood" so glass breaking was normal to us. The flash of orange right outside the window terrified us. I'll never forget looking out our bedroom window to an arm of flame literally eight feel away.

Turned out to be an arson case from a salty ex-tennant but I'm afraid it'll happen again one day. I hope I'm wrong.

I'm glad you all are okay OP. I hope you all get back on your feet soon. Be well.

Why not the other way around??

Man dude that sucks stay in there dude! In high school this house caught on fire and exactly 1 year later on the same fucking day it burnt down again. They rebuilt it and it hasn't burnt down yet and it's been 5 years haha.

Hope everything and everyone is ok <3

In the 5th grade I came home on the school bus to see my whole house in flames. Can relate.

it looks mostly external damage ??? good luck though

Well, at least you did the right thing and take a picture with your phone before you made a call to the fire depot with your phone.

The internet thanks you.

And that's why you should quit school!

When my dad was back in highschool in SoCal. One day they could see smoke coming from a nearby neighborhood, and he jokingly said that someone house was on fire. End of school hes walking home with friends and it just happened to be his house that caught on fire lol. Nothing serious thankfully, grandma was just burning to much stuff in the fireplace and it caught the roof on fire.

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OP ... El Paso TX right here... If you need and give an address and well send some suplies or materials whatever I can to help you out.

When i first went of to live in my own house, 2 weeks later a roof 2 houses down had lit on fire. Now, there's a webcam on the churchtower i can see my house from. After that incident i was checking that webcam multiple times a day for weeks to see if my house was not on fire.

Now, my house is 150 years old, but everything was stripped and renovated after i bought it. So everything electrical is up to code.....but still... Sometimes there's multiple house fires in a month where i live, ans most are old buildings..

That‘s hot. That is hot.

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hope you have insurance and sorry for your loss

Is this Medford ma???

You left the iron on didnt you?

GIVE THIS MAN some upvotes for his troubles

Basically be specific with what you’re listing and try to just get back the equivalent of what you lost.

Thats lit

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Hope my upvote helps fix it

I’m so sorry that happened to you.

Op, this is terrible and I’m sorry, I can’t imagine the distraught you must be going through.

Prayers no one was injured, fur babies included.

Your fam is so lit dude

I am so sorry this happened to you. It happened to me once too.

Damn!

I can smell the fucking smoke.

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