My son was at home alone one afternoon and he decided to cook some hot dogs on the stove top.
He forgot that the hot dogs were on the stove until they started a fire in the kitchen.
The fire quickly spread from the kitchen into the bathroom and master bedroom. My son did not know what to do in the event of a fire. He did call 911 and that probably saved the whole house from going up in flames. We lost about half of the house and the fire and the rest of the place was severely damaged from water and smoke. There were also problems with the flooring. The water damage caused the flooring to warp. Since the damages from the flooring and water were significant, the insurance company decided not to pay the claim. Even though we were covered for fire damage, they claim that it was negligence that caused the fire. We could not afford to fix up the house and we decided to sell the house. Since there were lots of problems inside and outside, we decided to go with a cash offer for the house. The Jacksonville real estate company offered a cash settlement for our home. They were willing to buy the house for cash, even though there was a significant amount of damage that needed to be fixed. I had to take about $50,000 less than the Jacksonville house was worth and all of the money from the sale went to the mortgage company. Now we have to live in an apartment building and we’re still fighting with the insurance company to make things right.