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ProfCrash · 06-10-2013, 08:53 AM

I guess I don't understand emergency status? Does that help cover the cost?

I hope that you are able to move into the new apartment and get out of the smell. Fire damage is awful and tough to clean.

I know it is too late for you guys but I hope that others take away the importance of insurance. It might be expensive but it sure is useful when something goes wrong. I had several friends in grad school who had fires and were not insured. It was awful. My renters insurance was $10 a month for a two bedroom apartment so it was not onerous and I carried it from day one. Home owners insurance was a requirement to get a mortage so we carry it. I have actually insisted that we carry flood insurance (not likely but possible, we have a sump pump in the basement that has been triggered). In California, I would insist on earthquake insurance. It is expensive but if an Earth quake hits and takes out or damages your house, it is worth it.

I guess I look at insurance as a must have, if I cannot afford the insurance, I cannot afford the thing.

06-10-2013, 08:53 AM	#22671
ProfCrash Tea Enthusiast Posts: 8,554 Karma: 75384937 Join Date: Jul 2010 Location: Somewhere in the USA Device: Kindle1, Kindle DX Graphite, K3 3G, IPad 3, PW2	I guess I don't understand emergency status? Does that help cover the cost? I hope that you are able to move into the new apartment and get out of the smell. Fire damage is awful and tough to clean. I know it is too late for you guys but I hope that others take away the importance of insurance. It might be expensive but it sure is useful when something goes wrong. I had several friends in grad school who had fires and were not insured. It was awful. My renters insurance was $10 a month for a two bedroom apartment so it was not onerous and I carried it from day one. Home owners insurance was a requirement to get a mortage so we carry it. I have actually insisted that we carry flood insurance (not likely but possible, we have a sump pump in the basement that has been triggered). In California, I would insist on earthquake insurance. It is expensive but if an Earth quake hits and takes out or damages your house, it is worth it. I guess I look at insurance as a must have, if I cannot afford the insurance, I cannot afford the thing.