When they pump water out of a local pond to die out your mobile home fire?

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PostPosted: Sun Mar 09, 2008 11:52 am   Post subject:   

Quote:
If you are determined to live in the country, you will pay the price.


Boy did I find this out the hard way! and here I am a long time p&c adjuster, felt like such a moron. Embarassed ..we bought a beautiful all brick home on five acres, literally half a mile outside the city limits....turned out it was in a rural fire dept zone, whos station was 10 miles away and volunteer, we paid out the nose for h.o. coverage, triple what I pay now! Shocked It was just crazy..As it was in my escrow, it increased my payment (then about 15 years ago) by 175.00 a month!..now, should I ever decide to move back to the country I know to check that out FIRST!


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Lori
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PostPosted: Mon Mar 10, 2008 10:52 am   Post subject:   

Our local fire department is right down the road, they too are all volunteer. Lori, when I purchased my home owners they asked where the fire hydrants were too, to see if there were any real close. When we have a fire around here they usually drain the local creeks, those are our fire hydrants, I have a pretty big creek near me that they use when they are fighting a fire, it is just right down the hill.

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PostPosted: Mon Mar 10, 2008 11:30 am   Post subject:   

Wow goodnatured! they use the creeks to fight fires? wow.......are your h.o. rates out of this world?



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PostPosted: Tue Mar 11, 2008 2:21 am   Post subject:   

I am sooo laughing my but off> I can see how big Lori's eyes are imagining pumping water from a creek. Thats what they do here to. I hear of places they actually pay firefighters but thats got to be far far away from hillbilly country.

Hey Goodnatured...How do you know your a redneck????

When they pump water out of a local pond to die out your mobile home fire? I am still laughinggg......Ha HA HA

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PostPosted: Tue Mar 11, 2008 5:27 am   Post subject:   

Carriers for the most part want the fire department within 5 miles of the house, a fire hydrant within 1000 feet of the house. The type voluntary, paid, partially paid, subscription fire department is also taken into consideration, along with their ISO rating of the fire department (depending on the carrier).



I've actually saw lakes equipped with hydrants where the FD's trucks hook up to suck water.



Most mobile homes or modular homes (even newer ones) and the way they are constructed, the fire department is basically there to save anyone in the house and bring marshmallows to finish watching the floor burn down to the rails/tires. (quote from state fire marshal)

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PostPosted: Tue Mar 11, 2008 10:37 am   Post subject:   

I'm in redneck central, maybe our creeks aren't plentiful enough around here, cause I've never seen this...have seen the fire pumps at the one lake we have (that is surrounded by trailers..hmmmmmm)...

Quote:
.the fire department is basically there to save anyone in the house and bring marshmallows to finish watching the floor burn down to the rails/tires. (quote from state fire marshal
Dasfuk, you're killin' me! Laughing


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PostPosted: Tue Mar 11, 2008 8:16 pm   Post subject:   

A friend of mine is a cop in a large city in Ohio. He and the other cops affectionately call the fire department "basement savers". More of a running joke between the two departments and less of a slam.

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PostPosted: Wed Mar 12, 2008 12:43 am   Post subject:   

I think we have to give the fire dept. some credit. Seriosly I wouldn't want their job. The biggest down fall of being in redneck grand central (and living in a mod. home) is the only hope you have is streams and creeks. That does really make it hard during times with no rain. All in all I wouldn't trade it for in town living unless there was lots of space between my neighbors and myself. These days people are just in other peoples business too much.

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PostPosted: Wed Mar 12, 2008 11:10 am   Post subject:   

I don't think anyone was trying to be disrespectful to any fire fighter (my father in law is a retired fireman, and husband was fireman first year of our marriage) ..... I'm sure we all have tremdeous respect for the guys that 'run in while others are running out'



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PostPosted: Wed Mar 12, 2008 6:40 pm   Post subject:   

My brother in law is a volunteer fire fighter. He does have some amazing stories to tell. Recently he responded to a car accident where one of the passengers had died. I really think you have to be strong to deal with this kind of stuff. I'm sure with your family having firefighters you know just how tough it can get on them and the family time they give up. I honestly didn't believe anyone was being disrespectful. When I get a chance to put in a good word for those guys I usually try to make sure I do.

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PostPosted: Wed Mar 12, 2008 8:00 pm   Post subject:   

Quote:
I honestly didn't believe anyone was being disrespectful.
good, i wouldn't want anyone to get that impression! Wink


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PostPosted: Thu Mar 13, 2008 12:27 am   Post subject:   

Yeah sometimes things come out the wrong way and I find myself unintentionally putting my own foot in my mouth.

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PostPosted: Thu Mar 13, 2008 1:17 am   Post subject:   

I was not trying to be disrespectful. Firefighters do a great job at a thankless job. They cause too much damage on a small fire and people complain, they don't cause enough damage and a fire starts back up later and gets worse and people complain. The way I look at it, as long as they save the lives in the house.... that's all that matters.

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PostPosted: Thu Mar 13, 2008 2:02 am   Post subject:   

Alot of firefighters suffer from post traumatic stress syndrome just like the soldiers at war, I think that these guys and gals are selfless, my hat is off to them, I would not do it.



Now back to the creek!!!!!!!!!!!!!!! REDNECK, HELL YEAH AND PROUD OF IT!!!!!!! lol. I live in the sticks, the tankers fill pools, put out fires and any other water related issue with the creeks, doesn't every fire department????? seriously ShockedShockedShocked not kidding, that is always the way they have done it around here, there are not many fire hydrants, no town water system, we all pretty much have wells, sorry that this just seems so normal to me. WinkWinkWinkSmileSmileSmile

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PostPosted: Thu Mar 13, 2008 2:04 am   Post subject:   

oh yeah, my homeowners run right around $500 a year and that is total replacement of home and all contents, so I don't think it is too awful bad right?

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