Blue Duece Posted October 30, 2003 Report Posted October 30, 2003 Well the wife called, fire marshall is in the drivway wants her and the kids to leave, im stuck in LA...1 of my bikes is at the shop,engine is out to jim at passion racing, 4 others in the garage, 2 CR's a XR and my Desert Banshee, looks like they caught some f*ck who was going to start a fire in wrightwood, hopefully they pin this fire on him and the prick gets a death sentence, so far in cali over 600.000 acres are burned and several dead, 1000 or more homes lost, the fuckin state is up in smoke, my place has a tile roof maybe that will help, but you look out the front window and you cant see the driveway through all the smoke, i just cleared my lot last week and the 10 acre empty lot next door, but you look 100 yards east to the end of my street where it turns into national forest and all you see is flames, forestry guys sprayed my home with that red shizzel though, and are useing my house as a base so hopefully i wont lose it all............ Quote
txblueshee Posted October 30, 2003 Report Posted October 30, 2003 HOLY shizzel!! I hope you don't lose your house/business.... EVERYTHING. I REALLY hate when peoples stuff gets destroyed. I'll keep my fingers crossed for you. Mike Quote
Meat Posted October 30, 2003 Report Posted October 30, 2003 Jeez duece that sucks, the fire is all over the news here on the east coast. Good luck man, haul those bikes\quads far away from the flamage. Quote
Blue Duece Posted October 30, 2003 Author Report Posted October 30, 2003 thanks mike..my business is 70 miles away in los angeles i just cant get home cause the roads closed....i could go around about a 6 hour drive, then be stuck at home, at least the wife has room for the pets and kids in her truck, id sure like to get my hands on the guy that thinks its cool to see a mountain range the size of newyork city burn though, and i hope the winds die down..... Quote
MULLET~BOY Posted October 30, 2003 Report Posted October 30, 2003 i have my fingers crossed for you man Quote
Blue Duece Posted October 30, 2003 Author Report Posted October 30, 2003 thanks for the concern Meat, i have a call into my friends at action motorsports in hesperia, they will go over and grab the bikes and help the wife anyway they can, there shop is more in the city and i live on the rim of the forest, so my bikes will be safe if they get them in time, im starting to think about stuff like a few grand in gear, pink slips in the safe, its a floor safe in concrete maybe the shizzel inside wont burn, firefighters are sleeping on cots in my driveway and garage and have dumped some fire retardant all over the neighborhood, my race bike is at action waiting for my motor to come back from passion so its safe, the CR'S are stock so can be replaced easy, but my desert shee has hours and hours of love poured into her, cash just wouldnt get her back, this bike has a mind of her own, we have a hill no one can climb, ive seen tons of bikes tumble down this hill, everything bent after tumbling 300 feet, i tried on my girl and didnt make it, she rolled down the hill on all fours and was just waiting for me, missing big boulders and shizzel, she's bucked all my friends that ride her, never even a scratch, you guys wanna see a grown man cry, melt her to the ground, come to think of it ive eatin it on my race bike (hell i stopped counting how many times) but my desert duece is my girl, id rather build a new house than try and replace her...... Quote
Holyman Posted October 30, 2003 Report Posted October 30, 2003 I hate to ask but who are you insured with? Quote
Blue Duece Posted October 30, 2003 Author Report Posted October 30, 2003 I hate to ask but who are you insured with? allstate.... i have a 1500.00 dollar ryder a peice on both the shee's, the CR's are covered for blue book and of course the house is covered, but if someone offered me 15 for my bike id pass when it was all said and done id have that in parts and time all over again, and it just wouldnt be the same, my agent says since it's classified as a disaster my insurance will pay about half of what my homes worth, but honer the ryder on the bikes so if my home burns im loosing about 200 g's what a freakin deal thats just about what i owe on it so my equity will go up in smoke....and to top it off im burying my father on monday, when it rains it pours....... Quote
Holyman Posted October 30, 2003 Report Posted October 30, 2003 You don't have a replacement cost policy on the house? What kind of deductible do you have on the house and are the toys insured under the home policy or are they insured by themselves? Quote
MULLET~BOY Posted October 30, 2003 Report Posted October 30, 2003 god man that sucks i wish you the best luck Quote
Chemical Castration Posted October 30, 2003 Report Posted October 30, 2003 Duece I wish you the best of luck man. I was in LA this past weekend and I saw the fires in Upland from the 210 when i was on my way to my uncles house in Fontana, I couldnt believe how bad it was. I'm really glad to hear that everybody is safe including your pets. Sorry to hear about your father also. when it rains it pours....... I couldnt agree with you more. I feel your pain man! stay strong were all here for you. Quote
Blue Duece Posted October 30, 2003 Author Report Posted October 30, 2003 You don't have a replacement cost policy on the house? What kind of deductible do you have on the house and are the toys insured under the home policy or are they insured by themselves? yeah i do have a replacement policy..1000 detuctable but like i said my agent says in a disater they can lower it due to some bull crap that they make up as they go along, and i paid extra on my insurance for the 15g's on each shee so thay have to honor that, the CR's will fall into the blanket policy at blue book, my neighbor said it was legal for allstate to do that and all the compainies do, in this situation, but if my home were to burn by itself without the disaster i would get 100% all though i had my place apraised at 420.000 and thought i was covered for that, that same home back east would be 150.000 california is outrages for property and i am taking a risk living where i do, as is any mountain home owner.......but the news just said rain and snow for tommorow and friday above 5000 feet if thats the case, im at 2500 feet and that will put all the cali fires out...i hope Quote
Blue Duece Posted October 30, 2003 Author Report Posted October 30, 2003 Duece I wish you the best of luck man. I was in LA this past weekend and I saw the fires in Upland from the 210 when i was on my way to my uncles house in Fontana, I couldnt believe how bad it was. I'm really glad to hear that everybody is safe including your pets. Sorry to hear about your father also. when it rains it pours....... I couldnt agree with you more. I feel your pain man! stay strong were all here for you. thanks lefty......that 210 was nasty, some prick started that fire also then it merged with the one threating my house, just jumped right over the freeway and took off, the firefighters up here are falling asleep standing up, my wife just phoned, the wind is shifting again blowing flames down the valley where i ride, she just went and crossed the picket lines at the market and got 100 burger patties, my son yanked the bbq out for the firemen and is sitting on the engine getting a tour, the guys are showering at my place and my next door neighbors place, the winds around 40mph so its anyones guess........thanks so much for the warm wishes......my father suffered in ICU for almost 6 weeks at least he's in a better place, probally chillin with my mom and older brother...... Quote
Holyman Posted October 30, 2003 Report Posted October 30, 2003 I would check into the specifics of the policy. The policy should state pretty clearly what constitutes a "covered loss" and how those losses are adjusted. It is not unusual for an insurer on a large loss to depreciate the home and especially the contents very significantly. Usually a replacement cost policy provides for the amount taken as depreciation to paid in full once repairs/ replacement of the home is completed {provided it is comparable to the original structure} and once the contents are replaced. In over simplified terms, If a house lasts 80 years and yours is 20 years old, they will take 25% depreciation on the house and pay you 75%. In Illinois, some surfaces are depreciated i.e. brick, stone etc not usually depreciated/ paint, carpet, siding usually depreciated. These are mainly because some surfaces are subject to more wear and are less durable or become outdated more quickly. As far as contents go, they are almost always depreciated because they wear the fastest and go out of style the quickest. There is a guide used by the IRS that is followed that rates the life and depreciation used on certain items such as furniture, lawnmowers, area rugs, dishes, you name it. If I were to make one suggestion, it would be to get out the video recorder and go thru the whole house and garage including the drawers with valuables {jewelry, silverware etc,} and if they have to evacuate, take the video with. You will have the best proof anyone can have of the items you have. I also recommend that you do this once a year when ever you normally have the camera out {holidays, family get togethers etc.} and put it in a fireproof box. I handle fire claims on my job. My inlaws house burned down a few years ago. The house was rebuilt but they lost out on over $40,000 in contents just because they couldn't prove what they had and because they didn't keep their coverage high enough. When this is all over, it might be a good time to review your coverage. In the mean time, keep your spirits up. As long as you and your family are OK, the "stuff" can be replaced. I'm sure I can speak for eveyone here when I say we're thinking of you and your family and if there's anything we can do, just give us a hint. Quote
josegarcia124 Posted October 30, 2003 Report Posted October 30, 2003 damn good luck man!!! i live in san diego and have fu**ing fires all over!!! this really sucks! take care jose~~ Quote
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