Friday, November 30, 2012

Family's Loss Highlights Importance Of Renter's Insurance | NBC 4i

By: Denise Alex | NBC4

On Sunday, a Westerville family lost nearly everything in a fire.? They say they have no hope of replacing many of their belongings because they, like so many others, did not have renters insurance.

"We saw more smoke coming through the roof and it was like oh my God," Danica Garber said her mom woke up from a nap in the afternoon barely making it out of their Westerville home before smoke and flames took over.

"It's definitely going to be a day I will never forget but it could be bad if somebody didn't make it," said Garber wiping away a tear.

She tells NBC4's Denise Alex she has been renting the home for seven years, renting without renters insurance.

"There are a lot of nuances about insurance policies they are all developed to assist that person in a time of need, said Walter Mosley.

The Columbus insurance agent says no one ever thinks they'll have to use it until tragedy strikes.? He adds renters insurance can run as low as $150 a year.

Garber says firefighters let them in the home to take whatever valuables they could but within minutes hot spots flared up and she, her daughter, sister and mother had to get out.? The single mom says the fire ignited from a wood burning stove in the basement and traveled up through the ceiling leaving fire, smoke and water damage just about everywhere.

"A lot of my friends at school they gave me I'm happy you?re O.K. cards," said 11-year-old Lily Garber.

Lily says their cats even survived the fire but the Garbers wished they could have saved more.

"I'm going to definitely make sure I have renters insurance from now on. I just procrastinated, procrastinated, procrastinated," said Danica Garber.

She added because the homeowner had insurance on the house it is covered and is expected to be renovated in 6 months.

In the meantime Garber looks for a place for her family to stay temporarily.

She hopes to move back into the Westerville house they call home with renter's insurance.

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Source: http://www2.nbc4i.com/news/2012/nov/28/familys-loss-highlights-importance-renters-insuran-ar-1256443/

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