I’ve learned much more about the insurance claims process since the master bedroom of my rental house caught on fire.
My father told me, “never leave money on the table,” when doing business. Applying that principal as a house owner for insurance is unethical (at least from an egalitarian perspective) turns out. But not from the contractor’s perspective. My property manager told me the big fire and water damage restoration companies in the Myrtle Beach area like ServPro and Full Steam Ahead don’t do good work from his experience. I really have to trust his judgment because he’s the next door neighbor to my property in Myrtle Beach and I’m in Vietnam. He’s getting the general contractor he works with to submit an estimate to the insurance adjuster.
My tenant finally responded to my e-mail I sent her three weeks later. The electricity was turned off for the property by the fire department when they put out the fire. A notice has been posted on the door saying it’s not livable. My property manager said she came to the property with candles, cooking on a grill. She’s spent over $3,000 on hotel costs. She didn’t have renter’s insurance. It may be callous, but I’m not responsible for reimbursing her for motel costs. I would go broke. I volunteered as a case manager for the Red Cross in Myrtle Beach when I was living in the city. They never contacted me to be “activated” for actual work while I was living in Myrtle Beach. They help people in her exact situation, so I’m hoping she gets in contact with them. She’s a single mother with two kids. Yikes.