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My winter of Destruction.

JACKSMYDOG

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So I thought I had posted about this but apparently not.

Sunday Nov 13 at 6 am, my boy Kyuss woke me up to the back house of my house on fire. I stood up, and was immediately felled by the smoke down to half mast. The house was pitch black, and not even any light coming in from outside, as I live rural, so there are no street lights. I was able to grab my cell phone, pants and a t-shirt, on my way to the front door, stepped into my boots, and out the let dogs out. The only other thing I got was their collars/leashes which hang at the door.

Outside I was able to corral the dogs and I called 911. While on the phone, I brought the dogs to the Ranger and got them inside, and my work jacket/hat were inside. Fortunately, my key fob was still in my pants pocket, the other was in the house (replacement fob was over $500 CDN after tax). Volunteer FD in my area, which is 6km away. I wasn't paying much attention to the time, but I think they were about 13-15 minutes to arrive on scene, which is pretty good.

My house was built in 56 as a cottage, on the shore of Lake Erie. It was winterized and renovated a few times in the 70, 80 & 90s, lots of wood & paneling, no drywall or fire resistant products. When I left with the dogs, I had left the door open, and in the few minutes it took to get back to the front, it was completely engulfed.

Fire Department worked hard, but they had no chance to save it. The inside was completely burned out other than a few wall 2x4s. All the windows blew out, and the fire burned right through some of the exterior walls too. A couple hours until it was mostly shut down, they had to cut through the floor in a few places for burning in the crawl space. They also had to cut into the attic from the outside to get water up there. Most of the roof held together.

I called insurance at 8am which being a Sunday went to an answering service. They called back by 830am, and had contractors in motion to come board and fence it up for safety, on scene before noon.

That was also my first day back to work for the season, I had to report in at 11pm that night. I left the house with the dogs, did some shopping for toiletries and clothes. Also, because of the dogs, I didn't want to invade any of my family's homes, so I also had to find a hotel.

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JACKSMYDOG

JACKSMYDOG

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I got a hotel room, and later that day, my then 9 month old female dog Trixie, went into heat, and left a nasty mess on the white sheets. I was able to get some diapers for her.

Before long it was time to go to work, which I decided I was taking the dogs in with me. My back seat is removed and it's a mobile dog house. They are comfortable back there, and it was a mild night, so not a big deal. Once I got to work the boss let me park the truck inside as well, so they were more than fine. I drive truck for Winter Operations, but being early in the season it wasn't busy and I was able to get back to the shop a few times and check on them.

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Radioman

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That's horrible Jay. I'm glad both you and the dogs were able to escape. Unfortunately, it will take a while for life to return to "normal" again. Hang in there. My father and mother in laws lost everything in a forest fire except for their glasses. Lived a long time in a motel. Decided not to rebuild and purchased a home in town. Just remember that even this will pass.
 
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JACKSMYDOG

JACKSMYDOG

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Fire department did an investigation and decided it was electrical in the back storage room, but couldn't offer much else. Insurance company sent their own investigator who held the same opinion, but added that he felt it was an extension cord to a utility light. The light was turned off, and I know the quality of the extension cord was top notch, so I don't agree. It was deemed non-suspicious, and everything was cleared to move ahead.

Insurance was fairly fast acting, got me $5K for expenses within a few days. They had a contractor for the contents discussions. She was fantastic, accommodating and very helpful. Engineers started pretty quick too, with working on the dimensions and floor plan, so they could send the scope of work out to get contractor bids. There's has been a few bumps along the way, but not too bad.

This week I met with the builder. The rebuild has some changes because it has to meet current code, so they have a full foundation in the plan, instead of the blocks it was built on. It was a small house under 1100 sq ft, but because of the renos, there was 10 exterior walls, 10 rooms rooms inside, and 3 separate roof sections. I'm changing to 1225 sq ft, 1 bed room, 1 bath, 1 laundry/utility room, and the rest open concept kitchen/dining/living room area.

My engineer is working on the new drawing and it's almost ready to go for permits.
 


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JACKSMYDOG

JACKSMYDOG

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Then the second weekend, we had a wind storm with sustained winds over 100km, and gusts above 120km. The wind came directly at the side of my soft garage. I had it anchored very well, but the wind bent/broke the frame and all but knocked it down. It ripped the door to shreds, ripped the back wall, and put some holes in the top. When I finally got back there it was a write off, so I cut some big holes in the side walls, to relieve the wind resistance.

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JACKSMYDOG

JACKSMYDOG

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Then because I lost my dog containment areas, and even though she was in a diaper, the horny little fkrs, managed to get together and she got pregnant. I managed to find a decent rental house, which was a brand new build in a new development. The owner bought it planning to move here, but then got a work extension so it became a rental. I moved in before the fridge/washer/dryer was even installed. It's a huge house, 2700 sq feet, 4 bedrooms. I didn't care about any of that, just that it was dog friendly and available.

January 25th, I had 8 beautiful little puppers. They are all sold now and in new forever homes. They were so much work, but lots of fun too. I really miss them, but happy they are gone, lol.

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RedlandRanger

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Sorry Jay - my parents had a similar situation in Florida back in the 80s. Their house was built on a concrete slab (no foundation, basement or crawl space) but they had to tear up the slab and re-pour it since the heat of the fire ruined the strength of the concrete. They ended up rebuilding but it is quite an ordeal to replace literally EVERYTHING you own. Although insurance treated them well, they still lost a lot of money. The one bright spot was the car in the garage - it was burned beyond recognition so they had to give them high blue book for it..... :)

I hope things go well in the rebuild and you can get back home soon.
 
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JACKSMYDOG

JACKSMYDOG

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Just this week I got the final report on contents. I had full replacement cost on the house and contents, which I highly recommend for everyone to get. With that said, it's still somewhat of a scam. We came to a total cost of everything I lost, then they offered me 2 options.

First option, they send me about 50% of the value and I start buying things. As I do, I submit receipts for what I actually spend and they issue payments for the remaining cost of each item up to the replacement value. For example, if my original fridge would cost $2K to replace, they send me $1K to start and if I spend $1800 on a new fridge I get $800 more. If I spend more than the value, say $2500, they send me $1K and I cover the extra $500.

Or the other option, they offered me a buy-out of about 75% of the total value and it's a done deal. I can replace items or just keep the money. I've replied to their offer saying I 'd like to take the buy-out, but 25% loss is too much, and countered at 15% loss. They haven't replied yet.
 
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JACKSMYDOG

JACKSMYDOG

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The builder says he should have it complete 90 days from start. We're just coming up on 6 months from the fire, so hopefully It will be done before November when I go back to work. My last day was April 14th, and I am off for the summer, which I had a big road trip planned for the summer it but looks like I am staying here now, and going to be working on landscaping and peripherals on the build.
 

AzScorpion

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Wow Jay glad you and the pups got out unharmed! I worked (sub contracted) for one of the largest fire and restoration companies when I lived back east and saw my share of fires. I've seen some crazy ones but one that sticks in my mind was the kids burned the house to the ground lighting lady bugs on fire. ? They made a tent in their room from blankets and were lighting them under it and it caught fire and the whole place went up.

He also had a temporary housing business so he could bring mobile homes to the site so people could live on their property while it was under construction. I know all policies are different but like you I had full replacement value on my truck (and my house) and it saved my butt! I hope you get your life back to normal soon and while it's an inconvenience (who am I kidding it's a royal PITA!) thanks God you had your dog to wake you and get out of there. Good luck and I hope the construction goes smoothly for you.
 

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Sorry to hear this. Insurance saves from the worst.
Been there myself unfortunately.
With 1 dog. She went mentally crazy after fire and was put to sleep.
 
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JACKSMYDOG

JACKSMYDOG

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That's an awful start to the holidays, but I'm glad that you and the dogs (and the Ranger) are safe. Good boy, Kyuss, for sounding the alarm.
Thank you, he is indeed a good boy. Ranger got an upgrade with a heated garage for the winter :)
 
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JACKSMYDOG

JACKSMYDOG

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That's horrible Jay. I'm glad both you and the dogs were able to escape. Unfortunately, it will take a while for life to return to "normal" again. Hang in there. My father and mother in laws lost everything in a forest fire except for their glasses. Lived a long time in a motel. Decided not to rebuild and purchased a home in town. Just remember that even this will pass.
Thanks Kent! Getting the dogs out was really all that mattered. Starting a new job that night, really helped to move passed the loss. Now it feels like the fire was years ago already, lol. Hopefully the rebuild is under way soon.
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