on sep 27 2006 i had a fire start(determined accidental)in my newly, high end
remodeled guest house.i was living there at the time because i was working on the main house.my guest house fell through the floor and into my barn (directly underneath)this caused my barn ,guesthouse and 2 finished storage structures to burn down.the storage buildings held everything i owned because i was doing floors ,drywall,etc in the main house.plus i have 2 horses(i managed to save them and 2 foals just born).i was alone during this fire and it was so huge and windy ther were 10-15 fire trucks working so the whole block wouldnt burn .the fire dep completly destroyed my brand new landscape with all the water and fire hoses,etc.
i walked away from the fire with my animals no shoes a tank top and a pair of cut-off shorts and a baby on the way.
i bought this home as a remodel project and investment but i did so while it was my residence.my agent joe vino walked the property and knew of all my intentions .
i bought the property for 315,000 in2003.by 2004 the propery appraised for 750,000
after much hard work and an investment of apx.200,000.ilet my agent know of this and he was also contacted by my morgage company due to the equity loan i was taking to finish the property.
joe vino never called me back message after message .he had raised the policy once but i didnt feel comfortable with him.i then called another agent ,owen lee who looked at the policy and told me mickey mouse must have wrote it up and i need to see him or i would sue farmers pants off if anything were to happen ,
my father and mother were then in a car accident and my dad died and my mother was so injured i had to take care of her for the next 6 mo.in pensacola.
i called joe vino again and was told my policy limits were fine and not to worry.\
basically i am now facing forecloser ,bankcrupcy ,and taking meds for depression and my nerves.(and trying to raise my now 1 year old daughter alone.
(her father was deported back to argentina)
i have lost it all.
originally my contents coverage would have covered 15,000 but i told the ajuster about joe vino and his professional neglegence and after farmers corporate conducted interviews with myself,joe vino and owen lea they decided they would change the policy to give me more contents coverage but nothing more for the structure.the contents coverage was to be 250,00 or 75 % of the value of the main house.after 9 mo of battle with the adjuster wanting reciepts ,video etc.(and she saw the devistation and new all that burned)they would only give me 100,000 of my list that consisted of 300,000 worth of contents.
the seperate structure insurance coverage of 60,000 was just enough for the demolition,and haul away,there wasnt even enough to repair the horse stalls and 1 building that was only damaged.farmers estimate to rebuild was 200,000 and the estimate i got was 375,ooo.(dont forget i only got 60-)much of what burned was remodeling supplies such as flooring .,fixtures etc so my main hous is in limbo.
I have been left with a wreck.the back half acre of my property that was so gorgeous now look like a war zone.
my main backyard area that was newly landscaped is completely dead beause the watering system and electricals were ruined due to the firemen,hoses water damage etc .no money was given to me for landscape because they said it was not directly caused by the fire,(even though my policy covered 15,000)
now i am going to loose my house and the lawyer i had helping me is a putz no balls wimp who decided i couldnt prove antything in order to sue joe vino for errors and omissions.he also said i couldnt go after country wide for being underinsured and they still closed the loan even with the 800,000 appraisal(500,000 equity increse)
some one screwed up and i am going to be on the street with my baby!!
im not working now and i am in dire straights, if tou can help in any way with
anything or any direction please time is of the essence.sept 27 of this year is the stature cut off and by the end of august i will be on the streets thanks to country wide and my adjustable rate that i cant meet.kimbermom@yahoo.com