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oh wow, Oregongirl, that is an awful predicament, it sounds like you should file some type of complaint with your state insurance commissioner? or some type of Breach of Contract lawsuit against your insurer? I know, they try to wiggle out of every claim they can... for my mom's house, once she was looking like she's not coming home, I started preparing to get her house for sale (she couldn't afford assisted living without all the assets locked up in home). And that needed workers coming in....and I could just imagine someone falling off a ladder and suing! So I upped the homeowner's liability to 2 million, it only cost about $25 a month, small price to pay for a few months, I figure.
But your fire situation, that is really strange, I cannot imagine how they could wiggle out of paying your claim. Just doesn't sound right!
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Oregon, I had a fire a year ago, repairs almost complete. I too, am fighting insurance company about paying remaining repairs. Because my house is more than 100 years old I purchased a rider that provides for repairs to areas of the house not damaged by fire if required to be brought up to code. My contractor was told by building department that the electric on removed walls had to be brought up to code, they also talked about plumbing so contractor did that work as well. Now insurance does not want to pay it since contractor cannot document plumbing requirement. Point being why would I purchase that rider if I did not have a say on what needs to be done. The rider does not say who makes the determination of need, only that if it doesn't meet code and need upgrading to comply. Pain in the back side! Good luck with that Oregon!

And on the trustee job, ts2 gets it. It is set up so if she is too busy with her life she can pass it on to successor. She is very busy yet does not want to relinquish the power. So, she struggles to get the house on the market, it has been more than three months since mom was moved, ts2 works in the school system so had summer off. She just cannot seem to get anything done. Now school back in session, who knows how long this is going to take. So, my sympathy to you Oregon, I know it is alot, you will get through it. No sympathy for ts2 though, Karma... I provided four years of 24/7 care, now it is coming back on her.
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who is ts2....
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OregonGirl, the insurance company will get the settlement b/c it paid for the remedial work. Assuming the $42K has already been paid, it was paid by the insurance company, which probably subrogated against the Dust Buster manufacturer. Subrogation is standard to recover the costs expended by the insurance company.

I'm assuming you didn't have any out of pocket payments for the fire remedial work?

Most people don't read their insurance policies though.

I'm curious and concerned though how the fire started. Was the dust buster defective? Was it a battery in the dust buster that caused the fire?
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Mallory I have two twisted sisters that have caused so much stress in this situation. Ts1 is a counselor ts2 has mom's POA's. Karma has just begun.
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Ok thanks for clarification. I too have 2 twisted sister and 2 twisted brothers. Tb1 tb2 ts1 and ts2. So I guess they can call me ts3. R3d3 look out.....
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