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lets talk fire insurance , what really happens locally Jun 22, 2019

Yonkers NY =coop rebuild time =over 2.5 years
Allstate insurance normal coop policy = 1 year relocation max= everybody in the fire building with allstate had this clause
state farm= 1 guy had a 2 year relocation max=
one other family had a cash umbrella limit= probably the best if you review it yearly

remember you have to pay your mortgage while you are unable to use your apartment and paying rent in your temporary 3 year abode.
i always knew about replacement value insurance and carried it, i learned via a friends misfortune with his house fire.

the insurance brokers always tell you , you will be back in in a year, This is untrue in yonkers and probably many areas of NYC.
My journey through this is almost done,

Fire Hydrant are not suppose to freeze not in canada, not in yonkers = Improper maintenance or installation causes this

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smoke damage is pricey! - unhappy Jul 28, 2019

In addition to the relocation issue, I learned, after my neighbor's fire that my replacement coverage didn't apply. My clothes could be cleaned... at a cost 3× the cost of replacing them. Many other items, too. It seems the insurance company doesn't weigh the options to see which is less expensive. As a result, I couldn't afford to have everything in my apartment cleaned (rugs, art, ...). I should've had at least double the personal property coverage.

I do now....

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Fire Insurance - Marty Jul 28, 2019

I'm sorry that you had to go through this terrible ordeal. But, thank you for giving us the benefit of your experience and information. Much appreciated.

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