Guest Post by Dee Williams of Portland Alternative Dwellings
About a week ago (July 22), a friend of mine (Kim Langston) had her little house caught up in a large barn fire. The house was in the construction phase, and while it wasn’t quite complete, it was close enough that she felt certain she’d be living in it by September or October. It was completely destroyed in the fire and Kim didn’t have insurance to cover the loss. I’ve attached before and after photos which, if you’re like me, will drop you to your knees.
I’ve been so racked by this incident… so sad. And its brought up a couple of things for me: one is that I’d like to learn more about what sort of insurance options are out there for little hand-built structures. Houses on wheels or built on the ground. I’ve done some searching and it seems there may be some tools but the loopholes are intense; you aren’t insured, for example, if the structure is on the highway or not insured if you don’t personally own the property where it sits.
If you have insurance, or have heard of an option for these structures, could you please contact me at [email protected]. Once I have information pulled together, I’ll offer it back to our tiny house community so we can all understand what’s available. If we discover that traditional insurance is not available, it may be time to start our own Cooperative — an organization that will help cover catastrophic loss.
I also want to help support Kim through a fund raising event. I understand that she and her friends are pulling together a Kickstarter or Indigogo fund that will help her pay down the debt she incurred through the fire and maybe even help support the dream of re-building. You and I will have a chance to support Kim through that fund. So stay tuned. If you want to go ahead and get the ball rolling and support her now, here are some funding options:
I appreciate your consideration and again, if you can offer any information about insurance options, please let me know. And if you can support Kim… that would be awesome! Keep your eyes peeled for more information about their Fund Raising projects.
I’d also like to offer that I believe we all gain something tremendous when we see examples of someone reaching for and achieving their dream — when we read stories about this person or that person building their dream house, designing with cob or straw, retrofitting an ‘canned ham’, tinkering with pallet houses or living large in a house the size of a couple dozen potato chip bags. We are inspired when people dream big, and we all lose a little something when someone’s dream is crushed. The fire that destroyed Kim’s house shouldn’t be the end of the story. Let’s work together for something better.
Thank you. Hope you are well. Dee Williams