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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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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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dakotaewing
post May 18 2017, 06:26 PM
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Brian, my apologizes in advance.
The best piece of unsolicited advice I can give you is to expect this loss to take several months to resolve. It won't happen in 2 weeks, or a month.
More like 4-12 months, depending on how complete of an inventory you can provide the insurance adjuster, and if you can provide photos of the barn, and any of its contents prior to the fire.
The more documentation you provide, including inventory lists with age, and price, as well as photos will immensely help the adjusters involved.

QUOTE(Coondog @ May 18 2017, 06:00 PM) *

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)


Coon,
I, and others in the insurance biz take personal offense to such statements.
I have been an adjuster 7 years, worked for over a dozen different carriers, and NEVER have been told or instructed to pay the least amount possible.
It has always been pay what is owed, not less. If there is a question regarding what is owed on the adjusters side, and a reasonable investigation cannot make a determination,
usually more is paid than what appears to be reasonable.
Most adjusters, and most carriers seek a way to pay an insured all they are owed under the coverages on the policy.
There are a few bad apples, and that has to do with the carrier, more than the people who have the unfortunate luck of working for them.
The problem typically lies when a party expects to be put in a much better position than prior to the loss, or the insured / claimant overstates the obvious for financial gain.
Want to be reimbursed for the new $23K motor on the stand?
No problem, just provide proof of payment.
Paid cash? Really? No bank statements. Really?
That would not be considered reasonable... in other words - (IMG:style_emoticons/default/bs.gif)

I digress.
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Brian Mifsud
post May 19 2017, 10:18 AM
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QUOTE(dakotaewing @ May 18 2017, 05:26 PM) *

Brian, my apologizes in advance.
The best piece of unsolicited advice I can give you is to expect this loss to take several months to resolve. It won't happen in 2 weeks, or a month.
More like 4-12 months, depending on how complete of an inventory you can provide the insurance adjuster, and if you can provide photos of the barn, and any of its contents prior to the fire.
The more documentation you provide, including inventory lists with age, and price, as well as photos will immensely help the adjusters involved.



I believed from the beginning this would take at least a year to figure out. I'd like to bulldoze the wreckage ASAP to a clean slab and am getting quotes so we are ready to go when its appropriate.

I've taken lots of photos of projects built with the tools, and there may be the odd chance it's in the background. I've already found my routers.. (well, its the motor rotors that remain.. all the aluminum/magnesium must have burnt)

There's is no mistaking the Milling Machine and Lathe, etc.

I'll check in if I start encountering too much friction if you don't mind.

Thanks for the advice!
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dakotaewing
post May 19 2017, 02:24 PM
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QUOTE(Brian Mifsud @ May 19 2017, 11:18 AM) *

QUOTE(dakotaewing @ May 18 2017, 05:26 PM) *

Brian, my apologizes in advance.
The best piece of unsolicited advice I can give you is to expect this loss to take several months to resolve. It won't happen in 2 weeks, or a month.
More like 4-12 months, depending on how complete of an inventory you can provide the insurance adjuster, and if you can provide photos of the barn, and any of its contents prior to the fire.
The more documentation you provide, including inventory lists with age, and price, as well as photos will immensely help the adjusters involved.



I believed from the beginning this would take at least a year to figure out. I'd like to bulldoze the wreckage ASAP to a clean slab and am getting quotes so we are ready to go when its appropriate.

I've taken lots of photos of projects built with the tools, and there may be the odd chance it's in the background. I've already found my routers.. (well, its the motor rotors that remain.. all the aluminum/magnesium must have burnt)

There's is no mistaking the Milling Machine and Lathe, etc.

I'll check in if I start encountering too much friction if you don't mind.

Thanks for the advice!


Brian,

Don't do anything regarding the site until the adjuster has inspected the site physically,
And you have it in writing (usually email) that you can start the clean up. To do so prior will jeopardize your claim. Your policy clearly states the carrier reserves the right to inspect the loss, and there is no stated timeframe in the policy language when that has to occur. Try to have as much documentation regarding the contents at the time of that inspection, showing the damaged remnants of those objects if possible. This will expedite handling.
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Posts in this topic
Brian Mifsud   RIP VIN 4762902521   May 18 2017, 02:49 PM
SirAndy   :sad2:   May 18 2017, 02:59 PM
7TPorsh   Sorry to hear....not sure if I want to see pics.   May 18 2017, 03:00 PM
Big Len   So the barn and it's contents were not insured...   May 18 2017, 03:06 PM
Brian Mifsud   So the barn and it's contents were not insure...   May 18 2017, 03:17 PM
7TPorsh   So the barn and it's contents were not insur...   May 18 2017, 03:39 PM
Brian Mifsud   I haven't snapped any "after" pics.....   May 18 2017, 03:18 PM
Edward Blume   :( Don't give up on your dreams. When you g...   May 18 2017, 03:22 PM
Brian Mifsud   :( Don't give up on your dreams. When you ...   May 18 2017, 03:30 PM
Edward Blume   :( Don't give up on your dreams. When you...   May 18 2017, 04:31 PM
Brian Mifsud   but miracles can happen if you let people help y...   May 19 2017, 10:22 AM
Krieger   Oh no...   May 18 2017, 03:23 PM
76-914   Aww man, sorry for your loss. :(   May 18 2017, 03:32 PM
Dion   Brian that's terrible. Sorry to hear of your t...   May 18 2017, 03:37 PM
Cairo94507   OMG! I am so sorry to hear that. I hope you ...   May 18 2017, 03:47 PM
burton73   So sorry you had a terrible fire and lost both car...   May 18 2017, 04:07 PM
dakotaewing   Brian, The car not being covered is typical for a...   May 18 2017, 04:31 PM
Brian Mifsud   Brian, The car not being covered is typical for ...   May 19 2017, 09:34 AM
sixaddict   I know this is a horse is out of the barn resoluti...   May 18 2017, 04:31 PM
Coondog   I was assigned to our departments Fire investigati...   May 18 2017, 05:00 PM
dakotaewing   Brian, my apologizes in advance. The best piece of...   May 18 2017, 06:26 PM
Brian Mifsud   Brian, my apologizes in advance. The best piece o...   May 19 2017, 10:18 AM
dakotaewing   Brian, my apologizes in advance. The best piece ...   May 19 2017, 02:24 PM
Mueller   Holy crap, so sorry to hear about this Brian.   May 18 2017, 05:19 PM
rgalla9146   Brian Sorry for your loss.... Rory   May 18 2017, 06:55 PM
whitetwinturbo   :( :( :(   May 18 2017, 07:18 PM
914-300Hemi   Sorry for your loss Brian. What was the cause of...   May 18 2017, 09:39 PM
Shadowfax   Man, that stinks.   May 19 2017, 07:51 AM
N_Jay   Sorry for your loss. The only advice I have for t...   May 19 2017, 08:33 AM
Brian Mifsud   Sorry for your loss. The only advice I have for ...   May 19 2017, 10:13 AM
Brian Mifsud   Thanks to everyone for the sentiments and advice. ...   May 19 2017, 10:00 AM
Brian Mifsud   Dad's mill "before".... Lathe.....   May 19 2017, 10:06 AM
Mueller   Brian, I know I am a few hours away, but if you ...   May 19 2017, 02:28 PM
tygaboy   Brian, I know I am a few hours away, but if you...   May 24 2017, 11:03 AM
tygaboy   Sorry double post... apparently I really wanted yo...   May 24 2017, 11:06 AM
Brian Mifsud   Sorry double post... apparently I really wanted y...   May 24 2017, 11:31 AM
Brian Mifsud   Well I found the Trans-axle yesterday.. or rather ...   May 24 2017, 10:35 AM
JmuRiz   Ouch, this thread is tough to read isn't it? ...   May 24 2017, 10:40 AM
Brian Mifsud   Ouch, this thread is tough to read isn't it? ...   May 24 2017, 11:31 AM
BuddyV   Brian - your post and your experience will help a ...   May 24 2017, 04:39 PM
green914   OUCH!   May 24 2017, 08:44 PM
flmont   Man that blow's,..I hope it works out quickly ...   May 24 2017, 10:43 PM
Mark Henry   Sorry to see this. :( I'm paranoid of fire ...   May 25 2017, 06:39 AM
76-914   Insurance! When I placed m 73 on non-op I kept...   May 25 2017, 08:08 AM
dcheek   Sorry for you loss, and all the hassle involved in...   May 25 2017, 08:21 AM
Perry Kiehl   Man o man, you have my condolences Brian. That...   May 25 2017, 09:35 AM
Edward Blume   Custom boat building! How cool is that? I us...   May 25 2017, 09:44 AM
Brian Mifsud   The BEST people I've EVER known via the web ha...   May 25 2017, 09:56 AM
Brian Mifsud   Hello All, Well it's been some time since I ha...   Dec 2 2019, 03:46 PM
partwerks   Hello All, Well it's been some time since I h...   Dec 2 2019, 10:44 PM
Brian Mifsud   Old foundation was potentially fire damaged, and n...   Dec 2 2019, 03:53 PM
Brian Mifsud   Precut.. but assembly needed...   Dec 2 2019, 03:54 PM
jd74914   Wow, glad to see stuff coming back together. :) H...   Dec 2 2019, 03:56 PM
Brian Mifsud   Wow, glad to see stuff coming back together. :) ...   Dec 2 2019, 05:17 PM
Brian Mifsud   Bolt parts together... Rent Telehandler and set...   Dec 2 2019, 03:59 PM
Brian Mifsud   and.. here we are on Thanksgiving.. Already ge...   Dec 2 2019, 04:01 PM
burton73   Hi Brian, Welcome back! Good to see that you ...   Dec 2 2019, 04:17 PM
Brian Mifsud   Hi Brian, Welcome back! Good to see that you...   Dec 2 2019, 05:18 PM
Cairo94507   Wow- that is a great looking "barn" you ...   Dec 2 2019, 06:12 PM
infraredcalvin   Wishing you good fortune with the new build. I kn...   Dec 2 2019, 10:43 PM
Brian Mifsud   Wishing you good fortune with the new build. I k...   Dec 3 2019, 11:59 AM
JOEPROPER   Good luck with that barn build Brian. The fact th...   Dec 3 2019, 07:50 AM
Brian Mifsud   Good luck with that barn build Brian. The fact t...   Dec 3 2019, 12:29 PM
ValcoOscar   Brian- Wishing you and your family a warm holiday...   Dec 3 2019, 10:50 AM
Brian Mifsud   Brian- Wishing you and your family a warm holida...   Dec 3 2019, 11:55 AM
mepstein   Make sure you are insured for the classes. Even if...   Dec 3 2019, 01:17 PM
flippa   Sorry for your loss. Very nice build. :first:   Dec 3 2019, 01:36 PM
JeffBowlsby   Heavy timber is unusual for CA, usually we see reg...   Dec 3 2019, 02:08 PM


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