Thinking of people I know who had fire.

A neighbor of my wifes sister in MD. They came home put car in garage
and friends picked them up for dinner. when they returned home there
was no home total loss after 8 month fight with insurance company. I
was in part of this home it was truly gone. they only reused
foundation. fire caused by vehicle in garage.

good friends had fire, cat knocked over lamp they were home. $135,000
damage to a 90K home insurance on structure ONLY, their roof was bad,
insurance company sold new company wouldnt cover them. forced place
coverage on structure only.

my next door neighbors car caught on fire in driveway, fire went up
front of home. realtively minor damage about 40 grand, mostly to
elminate smoke odors.

a good friend had trees hit home during terrible storm, 30 thousand
damage for roof structure and minor water damage.

the above gals next door neighbor, fire destroyed home total loss.
about 150 grand plus possesions


a old friends home hit by lightning many years ago, about 30 grand
damage minor fires thruout home.

Its amazing I didnt realize how many people I know had home disasters