Last night my oil furnace malfunctioned and set my garage /shop afire.
I noticed it while it was still small and grabbed the extinguisher but it didn't work.
At this point I decided to just get myself out while I still could.
Called 911 and waited helplessly for them to arrive.
By the time the FD got there the fire was through the roof.
I'll see what my insurance adjuster says but the only real tragedy was avoided and nobody was hurt.
Get those fire extinguishers checked and replaced.
That's good, mostly. You are gonna have to stay sharp however. They will most likely inventory every piece, one by one. You might max out your contents coverage unless you had a special rider out for your tools. Your average generic homeowners policy has contents coverage set as a percentage of the value of your home on the policy. Find out what your contents coverage is and also if you have a "replacement cost" policy. Your garage may also be listed as an "out building" on your policy which might also limit your coverage. Call your agent or read your policy and get the particulars of your policy so that you can position yourself.The adjuster was very nice and professional but he has no idea as to the valuation of any of my stuff.
He's calling in a professional fire damage assessment team like Servicemaster or its ilk.
Looks like I'll be spending a day or three in there with these guys going over everything I have.
The adjuster says the garage itself is a total loss but the saga continues on the contents.
That's good, mostly. You are gonna have to stay sharp however. They will most likely inventory every piece, one by one. You might max out your contents coverage unless you had a special rider out for your tools. Your average generic homeowners policy has contents coverage set as a percentage of the value of your home on the policy. Find out what your contents coverage is and also if you have a "replacement cost" policy. Your garage may also be listed as an "out building" on your policy which might also limit your coverage. Call your agent or read your policy and get the particulars of your policy so that you can position yourself.
Marcel