Note to new CPs: DON'T SET YOUR HOUSE ON FIRE

[jellipop]

A few weeks ago my 2 roomates caught our apartment sorta on fire...more so it was a pot fire with minor smoke damage that set off the sprinkler system and that did ALL of the damage (only in the kitchen and some of the dining room)

Well...Disney is having them pay $1600 EACH. It was an accident...they didn't mean to catch a pot on fire...but they have to pay $60 out of each check until the end of the program and then $800 when they leave. Seriously the sprinklers did like 95% of the damage!! If they hadn't gone on they would only be paying for new paint for the ceiling or whatever they do if the ceiling and walls are a little gray from the smoke.

When your paychecks are only $130 a week after taxes and apartment fees...you can't afford anything...like budget wise Disney:

Food for the week
Food when you go to the parks
Gas if you bring a car
Car insurance
Netflix (which is our bestest friend ever here on my xbox...seriously we sit in here and watch movies for HOURS...we watched Spice World, Philadelphia, A Little Princess, Cadillac Blues, and half a season of Weeds)

and whatever spending money we have for anything else...it's not much

[heathierose]

Wow, that seriously sucks. That's a lot of money to ask out of a cp, ya know? How did they even find out about the incident?

[Jelliebean]

Wow, that is really crazy. How did they decide that your 2 roommates have to pay and you don't? Jeeeeeeez, I'm already worried about going down there because of money, I don't even KNOW what I would do if that happened to me.

[vickalamode]

Man that sounds like a lot of BS! It was clearly an accident and the housing's insurance should cover that kind of thing...Is this something that renter/tenant insurance would have covered?

[Melinda22]

I'm assuming the CP housing is run like any other apartment complex, in which case, I'm not suprised they are charging them for the damage. This is where a good renters insurance policy would come in handy.

That sucks for your roommates though :(

[Disney_Princess_89]

A few weeks ago my 2 roomates caught our apartment sorta on fire...more so it was a pot fire with minor smoke damage that set off the sprinkler system and that did ALL of the damage (only in the kitchen and some of the dining room)

Well...Disney is having them pay $1600 EACH. It was an accident...they didn't mean to catch a pot on fire...but they have to pay $60 out of each check until the end of the program and then $800 when they leave. Seriously the sprinklers did like 95% of the damage!! If they hadn't gone on they would only be paying for new paint for the ceiling or whatever they do if the ceiling and walls are a little gray from the smoke.

That seriously sucks but no offense to them, how in the heck did they cause a pot fire?? :eek: I can't believe they have to pay that much though- that's awful!
...and i thought i was a terrible cook...:laughing:

[Toffy]

Thread Title of the Year Award right here rofl :lmao:

[americangeiko]

Man that sounds like a lot of BS! It was clearly an accident and the housing's insurance should cover that kind of thing...Is this something that renter/tenant insurance would have covered?

You have to enroll in renter's insurance when you arrive. As they obviously didn't have any, the responsibility for the cost of the damage goes to them.

Wow, that is really crazy. How did they decide that your 2 roommates have to pay and you don't?

If the roommates owned up to the accident being their fault, then housing won't make others pay. However, if they hadn't, her and her other roommates might have been sharing the costs.

That seriously sucks but no offense to them, how in the heck did they cause a pot fire??

Grease fires are one of the number one causes of kitchen fires. All that's required is for someone to be frying something, leave it unattended until the grease is gone, and poof, flame. Which is why the sprinklers got set off as they only go off under extreme heat/flame.

[Disney_Princess_89]

Grease fires are one of the number one causes of kitchen fires. All that's required is for someone to be frying something, leave it unattended until the grease is gone, and poof, flame. Which is why the sprinklers got set off as they only go off under extreme heat/flame.

Yeah I know that- I work at a movie theater and we have lost a few popcorn kettles to oil/grease fires (the old ones that had no alarm system were the ones that were dangerous)
but you have to really not be paying attention for it to catch on fire... so it sucks for those girls who did that, but they must have not been paying attention or got majorly distracted to cause that...:confused3 (I wasn't there so of course, i don't know the exact situation so i could be way off base)

[americangeiko]

Yeah I know that- I work at a movie theater and we have lost a few popcorn kettles to oil/grease fires (the old ones that had no alarm system were the ones that were dangerous)
but you have to really not be paying attention for it to catch on fire... so it sucks for those girls who did that, but they must have not been paying attention or got majorly distracted to cause that...:confused3 (I wasn't there so of course, i don't know the exact situation so i could be way off base)

I've caused a grease fire before by turning the wrong burner on. One of the reasons I don't leave pans of grease on the stove, unlike the family.

[vamoose27]

You should tell your roommates to see if their parents home insurance covers them. A lot of times home owners or parents rental insurance will cover kids in dorms, etc.

[jellipop]

You have to enroll in renter's insurance when you arrive. As they obviously didn't have any, the responsibility for the cost of the damage goes to them.


Renter's insurance is BS...we looked into it after the fire and it would only cover OUR BELONGINGS not the apartment (wishing I got it since my desktop died)

There was grease in the pot and it caught on fire so the one threw water at (seriously if anyone complains on how dumb a move that was I'ma gone slap you because in situations where you see something on fire your initial reaction is throw water on it if it's in the sink right next to the fire)

What annoys me is 95% of the damage was because of the sprinklers...it's not like they have an off switch...it's just frustrating :headache:

[mansfield]

You should tell your roommates to see if their parents home insurance covers them. A lot of times home owners or parents rental insurance will cover kids in dorms, etc.

Good point. The liability portion of the parents' homeowners might cover the property damage.

As far as personal belongings go, homeowners policies often cover the personal property of children while they are at school. I know the parents' policy covered by stolen electronics last year that was taken from the dorm.

[americangeiko]

Renter's insurance is BS...we looked into it after the fire and it would only cover OUR BELONGINGS not the apartment (wishing I got it since my desktop died)

There was grease in the pot and it caught on fire so the one threw water at (seriously if anyone complains on how dumb a move that was I'ma gone slap you because in situations where you see something on fire your initial reaction is throw water on it if it's in the sink right next to the fire)

What annoys me is 95% of the damage was because of the sprinklers...it's not like they have an off switch...it's just frustrating :headache:

You have to get personal liability which is optional on most plans, but will cover accidental damage to your apartment that you could be 'sued'/held liable for. (D-land CP mandates you have to have renter's insurance for this reason, and incase of theft/damage. I'm wondering if WDW will soon go that route too.)

There is an off switch for the sprinklers, but they're only available to maintenance personnel otherwise CPs would switch them off for a variety of reasons.

[Melinda22]

Like the above poster said, renters insurance would have covered it if they had personal liability on their plan. It isn't standard, but you can add it on.

It sucks and is annoying that the sprinklers caused most of the damage but for all you know the entire apartment could have burned down had they not gone off. Again I'm sorry :(

[moviekid21]

At the beginning of the program, during the housing meeting, they did say that even a little fire will set off the sprinklers, and that's what causes most damage and if we get insurance to be sure it has liability including water/flood damage.