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> RIP VIN 4762902521, 1976 Sunflower 2.0.. Barn Fire
Brian Mifsud
post May 18 2017, 02:49 PM
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Hi All,

Sad day.. my barn when up in flames Tuesday night and burnt with the ferocity of an erupting volcano. The two structural steel I-beams holding up the roof collapsed and looked like wet noodles (16" tall by 6" wide by 25' long....)

I haven't gotten closer than 20' from the car as the Claims guy wants an untouched scene before he shows up. My dad's Bridgeport Mill had the Aluminum Motor covers melted off. The newly rebuilt transaxle that I hadn't even filled with oil yet is somewhere under a smoldering pile of plywood and who knows the engine's fate which I had out on a dolly. The engine cart I had a small block chevy on folded in half. My son's Olympic weight set is still on the power rack with the two 45lb plates sagging at 45 degrees from horizontal looking like some deranged strongman went crazy...

Then the bomb dropped.. I had never thought that my registered as non-operational car still needed insurance.... not covered...... yep I'm a dummy...

Sorry 4762902521 I let you down..... you had a pretty good life. Born in Germany, shipped to Carlsen Porsche Audi in S.F. Bay Area's "South Bay". spent your whole life nearby in decent weather.. only a couple rust spots under the battery and base of windshield.... so much for my "retirement project" of restoring her...

RIP "Sunflower".

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poorsche914
post May 18 2017, 02:55 PM
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SirAndy
post May 18 2017, 02:59 PM
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7TPorsh
post May 18 2017, 03:00 PM
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Sorry to hear....not sure if I want to see pics.
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Big Len
post May 18 2017, 03:06 PM
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So the barn and it's contents were not insured under your homeowner's policy?
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Brian Mifsud
post May 18 2017, 03:17 PM
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QUOTE(Big Len @ May 18 2017, 02:06 PM) *

So the barn and it's contents were not insured under your homeowner's policy?

Everything but CARS.... They specifically stated that all cars must be insured whether operation or non operational.. same for RVs etc..

But tractors would be covered.... crap!
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Brian Mifsud
post May 18 2017, 03:18 PM
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I haven't snapped any "after" pics.. but here's what the fireman photographed...

http://www.pressdemocrat.com/news/7003712-...re-destroys-two

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Edward Blume
post May 18 2017, 03:22 PM
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Don't give up on your dreams. When you get back on your feet look for another car and move forward.
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Krieger
post May 18 2017, 03:23 PM
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Oh no...
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Brian Mifsud
post May 18 2017, 03:30 PM
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QUOTE(Edward Blume @ May 18 2017, 02:22 PM) *

(IMG:style_emoticons/default/sad.gif)


Don't give up on your dreams. When you get back on your feet look for another car and move forward.



Yea but now a days.. these cars cost REAL money.. not the monopoly money you used be able to pick them up for (in good shape)...
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76-914
post May 18 2017, 03:32 PM
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Aww man, sorry for your loss. (IMG:style_emoticons/default/sad.gif)
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Dion
post May 18 2017, 03:37 PM
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Brian that's terrible. Sorry to hear of your troubles. They'll be good news somewhere
in that mess. Perseverance. Good luck.
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7TPorsh
post May 18 2017, 03:39 PM
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QUOTE(Brian Mifsud @ May 18 2017, 02:17 PM) *

QUOTE(Big Len @ May 18 2017, 02:06 PM) *

So the barn and it's contents were not insured under your homeowner's policy?

Everything but CARS.... They specifically stated that all cars must be insured whether operation or non operational.. same for RVs etc..

But tractors would be covered.... crap!


Put a Porsche emblem on the tractor and say that was a Porsche too! Sorry again... (IMG:style_emoticons/default/sad.gif)
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Cairo94507
post May 18 2017, 03:47 PM
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OMG! I am so sorry to hear that. I hope you come out of that mess OK.
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burton73
post May 18 2017, 04:07 PM
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So sorry you had a terrible fire and lost both cars.

I had a fire in my factory back in 1978 and burned every thing up. It is very sad to see what happens in a fire to metal. My friend made a suggestion to me back then and you may want to ck into this to see what you think but a fire adjuster working for you getting paid a small part of the clam after you get paid can get you the maximum amount for your loss.

Some items that I thought where worth nothing ended up being very valuable and the amount that we paid the adjuster was much less that he got back for us. On top of that you are not in a great place emotionally and it is hard to do all the paperwork you may need to do. I remember going through the scene with this guy and picking up each piece and he would enter it in his book and come up with a value. He had a piece of wire and it was all that was left of a wall clock and I never would have remembered it and he got me back what a new unit would cost. That multiplied by lots of items can add up to a great deal of money for you and hopefully make you whole.
In my fire I lost an Alfa Romeo Duetto with racing engine and lots of memories that cannot be replaced.

Bob B
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dakotaewing
post May 18 2017, 04:31 PM
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Brian,

The car not being covered is typical for all policies, however,
some polices will cover parts to the car as personal property under the terms
of the policy, depending on the carrier.
Some carriers have set a limit as to how much in car parts they will cover.
Do not expect anything attached the car to be covered.
Your policy will have a limit for the building, and a separate limit for the contents in the building.
The Contents are referred to as schedule C,
and the building as schedule B.
Find out what your policy limits are, and get a good idea of what the carrier
is going to offer you prior to hiring a public adjuster (PA),
as suggested in the comment above.
If you are going to max out the policy limits,
there is no point in giving some of it to a PA.

Let me or Rick know if you have any questions, as we work in the biz -

Good Luck -
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sixaddict
post May 18 2017, 04:31 PM
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I know this is a horse is out of the barn resolution but...
I have a couple of 6s that are in progress of restoration. Hagerty will cover them very reasonably at a stated value .....Just paid the premium for two which was $235 for the year. It can grow as progress occurs.
Like I said ...the horse is gone but for those with bones in the garage it gives you protection at least for your investment !
Sorry. (IMG:style_emoticons/default/sad.gif)
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Edward Blume
post May 18 2017, 04:31 PM
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QUOTE(Brian Mifsud @ May 18 2017, 02:30 PM) *

QUOTE(Edward Blume @ May 18 2017, 02:22 PM) *

(IMG:style_emoticons/default/sad.gif)


Don't give up on your dreams. When you get back on your feet look for another car and move forward.



Yea but now a days.. these cars cost REAL money.. not the monopoly money you used be able to pick them up for (in good shape)...

(IMG:style_emoticons/default/agree.gif)
but miracles can happen if you let people help you.

Besides, it may be a blessing in disguise. How were you planning to get a SBC 914 to pass smog in CA?
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Coondog
post May 18 2017, 05:00 PM
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I was assigned to our departments Fire investigation unit for many years. The one thing I learned is you need to set down and make a list of everything that was in the garage to include 914 items that were not in the car. Go ahead and embellish the condition and value, when things are destroyed in a fire it's pretty hard for a insurance adjuster to argue its condition. Remember there job is to play you the lowest amount while your job is to get the highest return.

It's to bad that Raby motor on the cart got melted in the fire.......... (IMG:style_emoticons/default/happy11.gif)
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Mueller
post May 18 2017, 05:19 PM
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Back in the game...trying to keep this one stockish!
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Holy crap, so sorry to hear about this Brian.

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