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Some fire victims fortunate; others 'lose everything'

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By CORY MATTESON / Lincoln Journal Star

Tuesday, Jul 15, 2008 - 12:32:39 am CDT

A maintenance worker unlocked Apartment 13, then walked through the place and to the smoke-stained balcony.

He leaned out the sliding glass door and asked where Michael R. Adams’ wallet might be.

“Behind the couch,” Adams called out from behind the yellow caution tape on the ground outside.

Story Photo
Residents were not allowed into the Thomasbrook apartment building destroyed by fire as late as Monday morning. Here, Lincoln Fire and Rescue fire inspector Damon Robbins works in an entrance. (Robert Becker)
How you can help

Ten of the 23 occupied units at the Thomasbrook Apartment building that caught fire on Saturday and resulted in about $2 million in damages were uninsured. A fund has been established to help those in need, property manager Donna Mann-Tucker said. Donations to the Thomasbrook Apartment Displaced Resident Fund can be dropped off at any area U.S. Bank.

The worker found it and came down the stairs with a bag of clothes, the wallet and Adams’ keys.

The wallet was still moist, the bills inside soaked. The rings on the key chains had all rusted. To Adams, they were two damp clues that suggested what happened to the rest of his and his roommate’s belongings in the aftermath of a Saturday morning fire at the Thomasbrook Apartments building at South 60th and Lillibridge streets.

“Everything’s (damaged) from either water or smoke,” Adams, 21, said. “We’re just kind of winging it right now.”

Adams and Lauren Bulin, 23, were two of 40 displaced tenants left figuring out what to do when left with little to nothing.

“I’m just glad I decided to get insurance,” Adams said. He paid $110 for his policy and, because of it, he had a hotel room and grocery money.

Ten of the vacated 23 units were uninsured, said Bob Kelley, director of development and communications for the Cornhusker Regional Chapter of the American Red Cross. Thirteen chapter  volunteers helped the displaced on Saturday, as well as  emergency crews.

On Monday, the Thomasbrook staff continued to help the fire victims. A maintenance worker got Amy Willadsen’s Lancaster County Sheriff’s Office uniform and her fiance’s Lincoln Correctional Services uniform out of their apartment for them.

And after a news article about the fire mentioned that her wedding dress had been lost during the fire, friends at the sheriff’s office made a few calls and found a potential replacement.

It fit perfectly.

“I have a wedding dress again!” Willadsen said. 

Maintenance workers zipped back and forth on golf carts, moving salvageable plasma screen TVs, printers and other electronics from the 24-unit building. One unit was vacant at the time of the fire.

Several displaced tenants toured vacant apartments on Monday. The floor plans are smaller than what the burned building offered, but more than half of those affected by the fire are going to move into them,  property manager Donna Mann-Tucker said. They want to stay in the complex.

She said the tenants have seen the damage from the outside. On either Wednesday or Thursday, the burned building should be opened up to the residents, pending a safety inspection.

She and her staff have been working nonstop since Saturday morning. At 6:35 a.m. that day, her cell phone announced, “You have new picture mail!” Underneath the exuberant text was a photo of the apartment she manages, flames shooting skyward.

Since then, the front office, maintenance and cleaning staff have worked to help displaced tenants figure out the next step.

“This is the first time I’ve sat down,” leasing agent Amber Lardy  said at about 4:30 p.m. Monday.

She and Mann-Tucker were both in the office on Monday when two young men who shared a unit told them they were uninsured, that they’d have to move back home.

“We’ve lost everything,” one of them said.

“We’re all in tears,” Mann-Tucker said. “There’s nothing we can do.”

Reach Cory Matteson at 473-7438 or cmatteson@journalstar.com.


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Lost wrote on July 15, 2008 7:02 am:
" Renters insurance is SO reasonable it's really silly that people don't have insurance to cover them in instances like this...maybe it should be a requirement when you go to rent that you have proof of insurance, just like when you license a car. "

CS wrote on July 15, 2008 7:44 am:
" I don't think it should go that far. Rentors insurance won't cover willful damage, so there is no incentive for the landlord to require it. Some people can't spare the 15.00 a month, some don't want to manage another piece of paper, or truly don't realize it is out there and available. Some don't want the hassle. Its easy to say they are silly when you might be in a position of having it, or homeowners insurance, or whatever. Easy to judge, situations like this. "

Neo wrote on July 15, 2008 7:54 am:
" Of course I feel sorry for the folks that lost everything in this fire, but those that made the decision to save $10 a month and not buy renters insurance took the risk and they are paying for that decision.

In response to Lost's comment, it is not the governments job to protect people from their own stupid decisions. I do think it would be a wise thing for landlords to provide information about renters insurance to new tenants. I'm sure the insurance companies would be willing to provide the information free of charge. At least then nobody could claim they didn't know about renters insurance or that it is reasonably priced. It has been many years since I rented so maybe they are already doing this. If so, it would be even harder to explain why over 40% of the units didn't have insurance. "

How about wrote on July 15, 2008 7:56 am:
" I wonder if apartment complexes could figure the renters insurance into the apartment rent and offer it as part of the rent? When people first rent an apt there is so much up front costs, that a lot put off purchasing insurance, then neglect to take the time to call an agent and purchase it. Or many don't have an agent to call, maybe the apt complexes could link with agents to make it convenient for people (and remind them) that they need insurance. Some probably don't even know how little it costs. "

easy to judge when you can budget.. wrote on July 15, 2008 8:06 am:
" Hey CS-- I sense a little bitterness? I'm pretty sure Thomasbrook aren't the cheapest apartments in the city-- if they can't spare 15 bucks a month to cover this sort of thing from happening when they live at Thomasbrook, maybe they should have moved elsewhere so they could have afforded it.

Everyone makes choices, some people have to learn some gambles just are not worth it. This is one of those gambles people shouldn't make.

But what do I know? I'm just an average, responsible person.. "

TA wrote on July 15, 2008 8:15 am:
" I had renters insurance before I bought a house and it was only like $7 a month. I agree with Lost, make that required to live in a apartment. $80-90 a year to cover most of your belongings. That's cheaper than a tank of gas. I think the big problem is people living in apartments are not educated on this insurance. Insurance companies need to do a better job of highlighting plans that are "must-haves." I just recently found out that a $1 million umbrella policy only costs me another $7/month. Problem was I found out from an investment planner not my insurance company. "

Just an Opinion... wrote on July 15, 2008 8:25 am:
" I have renters insurance. My neighbor does too - right now, who really cares?? NOBODY!! We should all be thankful that our friends, neighbors, sons, daughters, mothers, and/or fathers got out of this horrible situation alive!! Possessions are just that! They can all be replaced - either by insurance or working to afford them once again. Memories are still in your mind, even though you don't have the photos or trinkets anymore. Everyone got out without injury - That's all that matters - and in my opinion, that is what should be discussed here - not that someone didn't have insurance.

A Big heart-felt thank you goes out to all of the firemen and Red Cross volunteers who worked so hard to make sure these people were safe, and had a warm (ok - cool) place to stay!

Kindness and hugs are what are needed in this situation, not someone saying "Well, you should have gotten insurance - its soooo cheap!!"

I would also like to wish Amy Willadsen congratulations - I hope your wedding goes off without a (another) hitch, and starting at 8:09 PM - you and your husband live Happily Ever After!!! "

just me wrote on July 15, 2008 8:46 am:
" My wife and I lived in apartments for 3 years with no renters insurance. Then we moved to a new complex and in just 1 month after we moved in, the apartment right below us had a big fire. We were lucky that we didn't lose anything and that the firefighters got there very fast. The next day I went and got $50,000 in renters insurance. We had put it off forever because 'nothing could happen here'. We redid our budget and worked in the $16.44 each month for the coverage. "

Wow wrote on July 15, 2008 8:51 am:
" I'm glad I decided not to move into those apartments! And that I do have renters insurance. "

JP wrote on July 15, 2008 9:04 am:
" before buying my house, I lived in a apt here in Lincoln that required renters insurance, in fact you had to prove that you had it before you signed a lease. Granted this does not make up loosing everything special to you, but at least it could help with the frustration of loosing everything from your socks to your favorite pen. CS the point is not to judge, a lot of people living in a apt is their first time out on their own (it was mine) and your right, they may not even know about renters insurance, but if apt managers bring the subject up at least they know its out there. "

Christine wrote on July 15, 2008 9:35 am:
" Calling anybody "irresponsible" or worse "stupid" is just plain wrong. Again, some people maybe didn't know about renter's insurance, couldn't afford it, or were currently looking for insurance but didn't get it in time. People's lives are very busy and to judge them for not having insurance is just pouring salt into their wounds. NO ONE LOST THEIR LIVES OR WERE INJURED! Thank God for that. Getting, or not getting renter's insurance is a personal choice and no one should be deemed irresponsible or stupid for not getting it. Insurance isn't even the point here. Many people are displaced and have lost everything, insurance or not. "

Christine wrote on July 15, 2008 9:52 am:
" I live in apartments off of 44th and O and the landlords require the insurance as part of the lease for all their complexes in town. A renter can either purchase a plan through the landlords or find their own insurance company, just as long as they eventually show proof of it. For about $80 a year I am covered three times the required amount for the lease. $80 a year! I know people are struggling and trying to budget but to me six and a half dollars a month to cover me for $20,000 worth of items and $300,000 liability is nothing. It's just one to two gallons of gas per month. Completely worth it.

I am glad everyone got out safely! It could have been much worse. "

Anya wrote on July 15, 2008 9:58 am:
" Enough about renter's insurance already! What about the maintenance workers who are going in and out of these apartments BEFORE the safety inspection? How about a little love for them? "

Renter wrote on July 15, 2008 10:00 am:
" I pay $9 a month for $30,000 worth of renter's insurance through State Farm. It took me about 5 minutes to set up with my insurance agent over the phone. It's cheap and worth it when something like this happens.

By the way, I used to live in Thomasbrook a couple of years ago and a 1 bedroom apartment was $545 a month. WAY too expensive, which is why I moved out. "

Ryan wrote on July 15, 2008 10:35 am:
" Everyone talks about the cost of renters insurance. I work in insurance sales and see the "true cost" of renters insurance. Almost everyone has a car and can receieve a discount for having renters w/ the same company. State Farm renters insurance has a minimum cost of $8.33 per month, but can save you $3-4 per month per car. Multiple cars equals the equivalent of a FREE renters policy. People should at least ask their agent/company for a quote. At least weigh your options, then you don't run into a life altering situation like this. Start from scratch or pay a couple of bucks a month for some coverage? The average person should skip the fast food once a month and take care of their risks and needs. "

Neighbor wrote on July 15, 2008 11:19 am:
" Doesn't the person who caused the fire have any civil liability? Careless smokers are being sued for causing grass and forest fires, why not structure fires? "

Insurance wrote on July 15, 2008 11:42 am:
" Renters insurance should be made mandatory as part of the rental agreement. $10.00 a month hurts nobody and protects everyone! Landlords, demand to see documentation that a renter has proof of insurance before you let them inhabit your apartment. It just makes sense! "

allstate wrote on July 15, 2008 11:53 am:
" Like State farm, I have renters and auto with Allstate, they have the same rates as state farm and offer the same discounts.

WELL WORTH IT! I had a bunch of stuff stolen a few years ago, paid my $250 deductible and got my 8,000 worth of items replaced. "

required wrote on July 15, 2008 12:39 pm:
" The Richdale Group, who owns apartment complexes in Lincoln, require renters insurance before you can move in. The have an insurance company they work with and will help you set it up if you want, or you can find your own.

At least no one got killed!! "

D.A. wrote on July 15, 2008 1:35 pm:
" Fire officials have commented on how sprinklers could have minimized the damage and much has been said about renters insurance. Why no discussion about the true story here? A cigarette caused this fire. Some careless person exposed dozens of people to all this loss and inconvenience because of a cigarette habit! People could have died as a result of this fire caused by a cigarette. We need a city ordinance or a State law prohibiting smoking in apartments and duplexes. Fires can have several causes, but let's at least take steps to eliminate the causes that we can control....once again the truth comes to life that cigarettes serve no good purpose and are a terribly expensive drain on our society with regard to health care costs, in this case fire damage, lost productivity at work, and they cause personal financial strain whether those addicted want to believe it or not.

Fire equipment and insurance is wonderful, but the cause of this fire will happen over and over until cigarettes are banned from as many places as possible and hopefully one day banned 100% from everywhere....now all you smokers, let's hear your silly arguments. "

CS wrote on July 15, 2008 1:38 pm:
" Well, since I own my house, responsibility is not an issue. But if you are getting to the end of the month sometimes 15-20.00 is a big deal, believe it or not. Believe it or not, some of the places that are cheaper than Thomasbrook are not places people would want to raise a family either, so maybe they chose a better neighborhood or a location close to work over the cheaper rent? "

SK wrote on July 15, 2008 2:14 pm:
" Years ago I lived at this apartment complex. There was an elderly lady on the ground floor that fell asleep at least two times a week while cooking her supper, which would burn and alarms went off and fire trucks came. Building never started on fire but I thought she should be removed from this enviroment, I lost it's her right. As with smokers you shouldn't condemn all smokers for the stupidity of one. I remember the new apartments on S. 27th that caught fire from a tenant grilling on the balconey (bit too much propane). I also witnessed a house burn up results of fire works, pretty in the sky but the fall out drifted to a roof top and destroyed a beautiful home. So let's not just discriminate smokers, get those fireworks folks and grillers as they appear to be a menance also. Accidents happen - this was an accident. And not to get a lashing I support the rights of how a person wants to live whether I agree with it or not, simply it's their right. Comment on Renters Insurance-I've had renters insurance since the 1980's when my residence was robbed, it's been around a long time and affordable compared to replacing items lost. "

not a smoker wrote on July 15, 2008 2:28 pm:
" I'm not a smoker but the earlier poster's comments about banning smoking to prevent fires needs to realize that cigarettes are not the only causes of fires. Many unattended candles have started fires...are you going to ban the use of candles indoors as well? What about the toaster that catches fire? Ban those? It's not as simple as banning cigarettes. "

ex insured wrote on July 15, 2008 3:19 pm:
" renters insurance as gone up like everything else. its about 20 dollars a month now.. "

D.A. wrote on July 15, 2008 4:01 pm:
" To "not a smoker" Did you read and understand my post? I said, "Fires can have several causes, but let's at least take steps to eliminate the causes that we can control" ....uh, that might be smoking cigarettes in apartments and duplexes....yes, candles and electrical appliances can cause fires...and candles should probably be right up there with cigarettes. Obviously, appliances with bad cords and outlets needing repairs should be addressed, not doing so is negligent and increases your chance for a fire, but you know as well as I, that throwing a toaster in with a a cigarette is a silly argument. If you can predict when an electrical appliance will short out, then you are smarter than the rest of us. Your argument is like that of a smoker's, they always try to make invalid comparisons and analogies to justify their habit or they twist and spin the logic of laws and ordinances which restrict participation in their habit. "

CS wrote on July 15, 2008 4:13 pm:
" How about the owners ban it themselves instead of getting the government involved-AGAIN. If the property owners don't want to absorb these kinds of losses they can fully protect themselves with means already available to them-no city ordinance needed. "

JP wrote on July 15, 2008 4:22 pm:
" CS - 15-20 bucks, come on your are getting robed if you are paying that much for renters insurance, it's at least half that. for 7-10 bucks a month, that is very easy to save (2 dollars a week). do not go to McDonalds once, put down that case of pop, put back those packs of cigarettes that you will dispose of impoperly. Those who say that they can not afford it need to look deeper, do you really need that cell phone, do you really need 1000 chanels of TV, do you really need that super duper sized mocha from wherever. "

KK wrote on July 15, 2008 4:43 pm:
" Sure, it would be nice (as an afterthought, right?) for apartments to require renter's insurance, but what benefit is it to the management? It's something my apartment strongly recommends, but they don't require it. Why should they?
Although I do have renter's insurance, and like everyone says, it's less than $10 a month. And it protects against more than just potential disaster like fires, and I've found it to be well worth it......even though I haven't 'needed' it yet. "

S wrote on July 15, 2008 6:10 pm:
" I think its ridiculous that almost every person that has commented has judged the victims of this tragedy. Hindsight is always better when something bad happens, but until you have experienced what these people have, I don't think anyone can judge. Even if they had renter's insurance, it would not replace all the photographs or memories that were lost. To insult the victims is horrible. There are people that need help now, and the fault is one person's lapse in judgment. As a close friend of one of the victims, I know that its going to hard for these people to get back on their feet. But renter's insurance, as nice as it sounds, would not help with the emotional or psychological damage that experiencing this tragedy has caused.

Way not ask the city why it doesn't require apartment complexes to put sprinkler systems in all their buildings? Aren't they suppose to try to protect their citizen's well being?

On a side note, I think the volunteers from the Red Cross handled the situation amazingly. I was really impressed by how fast they worked to help the people that were in need. A BIG thanks to them and LFR. "

agree with just an opinion wrote on July 16, 2008 1:21 am:
" I can't believe there's been so much talk about renter's insurance when there's more important things to consider. Like the fact that a building full of sleeping people were roused out of bed at 6-7 a.m. to their homes on fire! A girl lost her cat! They lost irreplaceable personal items. I have family who lived in that building and I'm just so grateful that they and everyone in that building got out without physical harm. My heart goes out to all of them. "

GET A QUOTE wrote on July 16, 2008 11:37 am:
" for free at State farm...I did it and I got 40k in coverage plus some extra for computers, jewels ect for $11.50...I'm sure other co's will have quoting tools as well...you can't even buy a decent bottle of booze for $11.50 "

a property owner wrote on July 16, 2008 1:40 pm:
" As a property owner, we always recommend tenants get insurance. And we make sure to let them know that, although we have insurance on the building, we CAN NOT insure their belongings. An earlier posted asked why owners can't carry the insurance & add it to the rent. But one person can not insure the belongings of another. You think a tenant wouldn't claim items he never had if someone else's insurance was paying for it. You bet they would! "

KC wrote on July 16, 2008 4:00 pm:
" Hey D.A.
Yes, we as smokers justify our habit because hey, newsflash, IT'S LEGAL!! Unless that apartment complex has a no smoking rule, this is still an accident, nothing else. I myself have never started a fire anywhere and I have been smoking for a long time. Do I want to quit? Someday maybe. But don't you even dare expect me to just stand by and watch as the government tells me I can't smoke anymore. This is a legal right. It does not mean I can smoke anywhere I want to if it is banned or not allowed, but by god, if I am allowed to smoke in my apartent or any other place I rent LEGALLY, I am going to do it. If I rent somewhere that smoking is not allowed, I go outside just like it says on my lease.
But don't you dare think that I am making up "twisted" excuses or lame reasons to get society to allow me to smoke anywhere. I am doing what the law allows where the law allows it!

WHY DON'T YOU SIT DOWN, RELAX, AND HAVE A SMOKE?? And if you don't want as cigarette to relax? Get a crane, pull that needle out of your butt, and cool it. "

Really... wrote on August 12, 2008 3:39 am:
" I have family who lived in that building, and reading the comments on this story makes me sick. This isn't about insurance. Your rattling off quotes and passing judgment on people who didn't have renters insurance... do you realize what these people went through? They lost things that can never be replaced, baby pictures, family heirlooms, all of their clothing, documents, keepsakes, those things all gone and all you can seem to talk about is how they all did something wrong by not paying however much a month. How about for once people swallow their pride and send some prayers or sympathetic vibes or whatever it is you may believe in to the people who are daily trying to piece their lives back together.

And thank you to the few who seem to see what I do. "