Garage burned down because of a 107
 

So two weeks ago my 25x40 burned down because of my old 107 pulled the thing in from mowing and smelled raw gas so I went to back it out and it backfired and well the rest is history. Anyways has anyone else been in this situation before I have insurance on the garage and contents but they keep throwing around the term actual cash value. So how bad am I going to get screwed on getting money back to rebuild and get my tools and stuff back

Sorry to hear about your loss. Did you have declared value on the garage and contents?

At a total loss which the building is the valued it at 26,000 and for the personal property between the house and building I could claim up to 198,000

Unless you owned a bunch of high dollar tools, I'd surely think that would cover it.

Listen, I understand when something catches fire it's scary. But, if had a few gasoline fires in my shop and had no issues getting them out before the shop caught fire. Actually... I've had several. Not putting the blame on you, but how exactly did it catch the building on fire so fast that you couldn't put it out? A 107 doesn't exactly have a lot of combustible plastic and rubber like a car.
Or was the raw gas in the garage, not the mower leaking? I'm just trying to understand....

Sorry that happened though.

The garage was built in 1900 it was a barn that I used as a garage so it was all wood no insulation or drywall and I had pulled it over to the side since it was acting up anyways and I would worry with it later since I had several other cub cadets The rear tires had wheel weights on it and I couldn't get it to release to pull the tractor out by hand. So that's how it went up so fast

I also didn't have a blanket or a fire extinguisher in the barn to snuff it out or extinguish it

Sorry that happened.

And trust me I didn't want it to burn where it set it could never be built again and do to current codes and regulations and how my property is I can't build something even close to that size again

Again, sorry that happened.

If the building was valued at $26,000 I'd say that's pretty close to replacement cost for a pole building of the same size. I've been pricing them lately.

As far as contents, you don't say what you had in it, or what brand and types of tools you had; I.E. welders, drill press, lathes, woodworking tools..... or just a bunch of Walmart el-cheapos.... but if you have $198,000 in personal property, I'd say it would cover it. No, they won't pay replacement, just assessed (actual cash) value. But you better have a list and some pics to back it up, or they won't pay.

Sorry to hear.

Sorry to hear about your loss of stuff, fortunately it can be replaced.

I feel your pain and it works out okay for you. I had my first home burn down due to my toddler son playing with a lighter. So, I know how you feel. At least you or no one else was hurt.

Very sorry for your loss. I'm sure you did everything possible to try and fight the fire. Be thankful that it was only a material loss, at least you made it to safety. You or a family member could have been badly burned or worse. Hopefully your insurance will cover your loss fully and you can plan a new garage workshop.

You might look into codes and regs as a replacement building might be exempt from some of those because it is a replacement of an existing structure.
so sorry for your loss!!
I always hate to see old buildings like that go away, it's a part of American heritage.

Have any pictures of FD on scene? Sorry about your loss. Passed experiance shows most people do not carry enough insurance to replace what they had. Infact most of the time people end up with half of the replacement cost and they usually blow it on other things.

Fire safety and prevention are usually the last thing on our minds. I am just as guilty as anyone else not having all of my bases covered. I would imagine that you will at minimum have a standard fire extinguisher in your next building.

Again, sorry for your loss and wish you best of luck. Glad nobody was injured.

Sorry for your loss. It's more important nobody got hurt!

Sorry you lost your building and contents but at least no one was hurt.


Check into that. Maybe if you got a building with a similar design or look, they would accept that. If they say no right away, ask again at the public meeting.

So sorry to hear. Glad you weren't hurt.

I live a stone throw from the fire house and I am a driver/fire fighter and wasn't even able to save it

OHHHH MANNNN THAT SUCKS. Its even worse youra firefighter n your shed burned down. I feel bad for you now..

Sorry to hear about your loss. I know anyone of us would feel bad if we lost just 1 cub go a fire, let alone an entire garage and contents. You and your family are safe, so as already mentioned, that is all that really matters. I've had some close calls myself, but never anything to that extent. Fire safety/prevention is something that can never be overstated!

Cub Cadet 123

What part of MD? Like the old commercial said....You can pay me now or pay me later.. and its better to be proactive than reactive...:bash2:

Sure it could... Ever hear of a grandfather clause? It was already there before whatever rules are in place now, so you should be able to rebuild it in the same spot though you will have to Meet current code in effect at the time it is being built.

Sometimes that depends on how much of the structure is left. If it was a total loss grandfather clause my not apply. Need to really dig into your local zoning codes.

Look into some kind of standing wall clause. Usually if you can keep one wall up it's still the same structure and you're going to renovate it. In CT, it was typical years back for guys to demo 3 of four walls for the inspection then knock the last wall down to have a completely new garage. Might work in your favor.

I live in Frederick county and it went straight to the ground and then we had a 953 loader come in that night and push stuff around so we got it good and out so they won't let me do anything