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HeyMulegeScott
Senior Nomad
Posts: 699
Registered: 8-25-2009
Location: Orygone/Mulege
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JoeJustJoe - Oy vey. Yes, we met her in 2018 in San Felipe and have kept in touch via Facebook. Our Rv club (younger working-age people) had a lot of
people go down there this year. My wife thought it would be great if they could bring down needed dog/cat food. Jenny was happy to help. Personally, I
feel sorry for young people who want to buy a house in Southern California or the Bay Area unless they're loaded. You are right in that moving to San
Felipe is not the norm for a younger single American woman. Hopefully, she decides to stay because I think she contributes a lot to the community.
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BornFisher
Super Nomad
Posts: 2107
Registered: 1-11-2005
Location: K-38 Santa Martha/Encinitas
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Well, it is very unusual for a homeowner to not insure. Only she knows if that was a calculated decision, an oversight, a missed payment, or something
else. And of course, there are always many reasons the insurers use to deny a claim.
As an example of insurance rates--- I have a VERY modest shack south of Rosarito Beach. I`m insured for $40,000. I pay $200 a year!! So $100 buys
$20,000 of insurance that covers fire. So I have to wonder what the heck is going on here???
"When you catch a fish, you open the door of happiness."
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del mar
Banned
Posts: 1057
Registered: 7-23-2016
Location: the cantina of course
Member Is Offline
Mood: lil' fuzzy
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Quote: Originally posted by BornFisher  | Well, it is very unusual for a homeowner to not insure. Only she knows if that was a calculated decision, an oversight, a missed payment, or something
else. And of course, there are always many reasons the insurers use to deny a claim.
As an example of insurance rates--- I have a VERY modest shack south of Rosarito Beach. I`m insured for $40,000. I pay $200 a year!! So $100 buys
$20,000 of insurance that covers fire. So I have to wonder what the heck is going on here??? |
oversight? when I shared a home in gonzaga bay I didn't know anyone that carried insurance on their modest homes?
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BornFisher
Super Nomad
Posts: 2107
Registered: 1-11-2005
Location: K-38 Santa Martha/Encinitas
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| Quote: Originally posted by del mar | | Quote: Originally posted by BornFisher | Well, it is very unusual for a homeowner to not insure. Only she knows if that was a calculated decision, an oversight, a missed payment, or something
else. And of course, there are always many reasons the insurers use to deny a claim.
As an example of insurance rates--- I have a VERY modest shack south of Rosarito Beach. I`m insured for $40,000. I pay $200 a year!! So $100 buys
$20,000 of insurance that covers fire. So I have to wonder what the heck is going on here??? |
oversight? when I shared a home in gonzaga bay I didn't know anyone that carried insurance on their modest homes?
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That would make it a calculated decision, not an oversight.
"When you catch a fish, you open the door of happiness."
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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No it doesn't look like not getting homeowners insurance was an oversight for Jenny.
Now it's true a lot of people in Mexico, do not have homeowners insurance, but according to Three2Tango, she put her life savings into that home, so
you think she would also look to protect that investment with insurance that often covers many things besides just fires depending on the inexpensive
policy.
The other question I have is what paperwork is Jenny doing? It is for the burned down house? It can't be insurance paperwork?
What's with the clean up crew? My mother's house burned down long gone after I moved out. Rarely do homes burn to the ground but the damage is
extensive so you can't live there anymore just from the smell alone and other damages.
What does a clean up crew do? Usually after the fire, you go into the burned home, and pick up anything you can salvage, but not clean it up. That's
left to a demolition Team after you decide to sell the home or rebuilt it. Now insurance companies sometimes send out clean up crews, but that's
mostly for water damage, or minor fires, and things of that nature.
It almost sounds like she doesn't want anyone to go by the burned down house?
_________________________
Jenny wrote: "No, I did not have insurance. I had thought the worse that would happen would be theft. This is beyond my Imagination."
I've been juggling paperwork, reports, logistics and wallowing in sadness.
At this time I am still figuring things out, but the cleanup of my property is underway and not (currently) in need of assistance
I have cleanup crew on the property.
[Edited on 7-29-2019 by JoeJustJoe]
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meme
Senior Nomad
Posts: 756
Registered: 8-20-2003
Location: San Felipe,BC
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FYI for you! Many people here do not get homeowners insurance.
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Hook
Elite Nomad
Posts: 9010
Registered: 3-13-2004
Location: Sonora
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Mood: Inquisitive
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Give it up.
There are none so blind as those who WILL NOT SEE.
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meme
Senior Nomad
Posts: 756
Registered: 8-20-2003
Location: San Felipe,BC
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All I was saying is I know a lot of gringos living here that do not have homeowners insurance. So please do not say that most retirees get homeowners
insurance. At one time our insurance agent asked why we pay for it every year when your house is concrete block & all that will burn is contents,
so dont keep any real valuables in it. Many could replace contents for what they pay in premiums every year.
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BajaTed
Senior Nomad
Posts: 859
Registered: 5-2-2010
Location: Bajamar
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When your house walls & floor are made of cinder block, re-bar and concrete. The only loss then is the 2x6 tounge & groove wood roof.
Take the risk.
I know lots of millennial folks with Baja retirement plans, their lack of a materialistic retirement is was draws them there.
Living in the Exoburbs (like Baja) s the wave of the future
Es Todo Bueno
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PaulW
Ultra Nomad
Posts: 3075
Registered: 5-21-2013
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True.
My place is all concrete (except for the doors and frames) and we have homeowner insurance. I did have a major claim when a valve burst under the
kitchen sink. My claim resulted in $5000 US which was more than enough to get a lot of cabinets replaced. Glad for the insurance.
My neighbor had a short in his AC unit and his damages were higher than mine due to smoke and appliance damage. His home owner insurance covered the
repair. His home was like mine and all concrete. With a fire like he had he was fortunate that the foam insulation used on these all concrete homes
was not damaged.
Most of these homeowner insurance policies also cover theft, however the coverage is full of loopholes resulting in great loss and little
reimbursement.
[Edited on 8-1-2019 by PaulW]
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BajaTed
Senior Nomad
Posts: 859
Registered: 5-2-2010
Location: Bajamar
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If you use your home insurance more than twice in a 3 year period, your next renewal will be for a high risk pool at twice the cost. Serve your 3
years of higher cost and you might be eligible for the standard risk pool again.
Es Todo Bueno
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bajatrailrider
Super Nomad
Posts: 2432
Registered: 1-24-2015
Location: Mexico
Member Is Offline
Mood: Happy
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I tried to get home owner insurance on wood frame house. No Go in Mexico.
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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According to the story, Jenny's house burned to the ground, so it's doubtful her San Felipe, house was made of cinder block, re-bar and concrete.
People could believe what they want about this story, I don't care, and I actually wanted one "Baja Nomad" member, to contribute to her GoFundMe, fund
raiser.
I just get suspicious when things greatly deviate from the norm, there are over-the-top elements in the story, and there is an emotional hook in an
alleged incident.( it can't be just a fire, but there is a robbery and the fire was out of spite.....that's the hook, in addition she is American, if
she was a Mexican national there would be no interest.)
If you ever saw "The Equalizer," the vigilante movie, with Denzel Washington, and the Russian Mafia, character, who was called in to find out who
killed his Mafia friends.
Well the Russian Mafia, character, visits Denzel Washington, while pretending he is detective, and after the Russian Mafia guy talks to the Denzel
Washington's character, he says, " Everything is all wrong about the guy," and instantly he suspect Denzel Washington's character, is not who he says
he is, and then later goes after the Denzel character.
This is exactly the same feeling I get about Jenny, everything is all wrong!
Of course I could be wrong, and spend too much time watching movies.
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mtgoat666
Select Nomad
Posts: 18385
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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| Quote: Originally posted by JoeJustJoe | According to Google, the bitter old fart, who goes by the name Willard Guy, is this 88 year old man!
Willardguy, seems to be mistaken that I give a chit what him or other old fart says about me. What an idiot!
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Joey simply Joey,
Only self-centered teenagers use “old” as an insult, and no one cares what teenagers say or think. How old are you, jojo?
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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meme
Senior Nomad
Posts: 756
Registered: 8-20-2003
Location: San Felipe,BC
Member Is Offline
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FYI---Jenny lived in a 5th wheel travel trailer/RV.
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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I suspected if the story is real, it was some kind of trailer, or rental house, knowing young people rarely have lots of money to buy a house in cash
even in Mexico.
But Meme, it begs the question, how do you know?
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Bajazly
Super Nomad
Posts: 1013
Registered: 6-4-2015
Location: Goodbye Cali and Hello San Felipe
Member Is Offline
Mood: More Relaxed Everyday
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| Quote: Originally posted by JoeJustJoe |
I suspected if the story is real, it was some kind of trailer, or rental house, knowing young people rarely have lots of money to buy a house in cash
even in Mexico.
But Meme, it begs the question, how do you know?
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It happened at the end of my street and I've been talking to my buddy across the street who knew her and the previous owner pretty well. Hardly
anything in the trailer and was probably a case of bad wiring.
Believing is religion - Knowing is science
Harald Pietschmann
"Get off the beaten path and memories, friends and new techniques are developed"
Bajazly, August 2019
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Hook
Elite Nomad
Posts: 9010
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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This is the way a discussion board ends. Not with a bang, but a whimper.
Wake up, Doug. Look at the precipitous drop off in posts. The "recent post" page is less than one page, by default, when it used to be multiple pages.
It's been this way for weeks on end.
You are hemorrhaging posters. And the reason why is even simpler than A-B-C. It's J-J-J. Even other liberals are turning on him. How can they not?
Why let him destroy YOUR board, the way he tried with others, before he was booted from those boards, too? The board is more important than any one
poster who NEVER HAS ANYTHING LEGITIMATE TO ADD ABOUT MEXICO.
David K's "retrospective series" can only float it for so long. So few are posting new information.
Enough is enough. End this. Do it for the board's sake.
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advrider
Super Nomad
Posts: 1863
Registered: 10-2-2015
Member Is Offline
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I like the direction hook is going with this!Next trip to Baja I would like to buy you a beer!
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Santiago
Ultra Nomad
Posts: 3512
Registered: 8-27-2003
Member Is Offline
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| Quote: Originally posted by Hook | This is the way a discussion board ends. Not with a bang, but a whimper.
Wake up, Doug. Look at the precipitous drop off in posts. The "recent post" page is less than one page, by default, when it used to be multiple pages.
It's been this way for weeks on end.
You are hemorrhaging posters. And the reason why is even simpler than A-B-C. It's J-J-J. Even other liberals are turning on him. How can they not?
Why let him destroy YOUR board, the way he tried with others, before he was booted from those boards, too? The board is more important than any one
poster who NEVER HAS ANYTHING LEGITIMATE TO ADD ABOUT MEXICO.
David K's "retrospective series" can only float it for so long. So few are posting new information.
Enough is enough. End this. Do it for the board's sake. |
And the congregation said....A-freakin'-men
By the way Hook, do the Giants stand a chance?
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