NB family picks up the pieces after losing home to fire

By Jessica Musicar, Staff Writer
Saturday, August 16, 2008 | 7 comment(s)

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NORTH BEND — It was the morning after her niece’s bachelorette party in Portland, when Pauline Woolley’s nephew called.

As she pulled into a gas station she considered ignoring the cell phone. For some reason she changed her mind and answered.

“Aunt Pauline, your house is on fire!” Toby Ridenour yelled.

“I told him to knock it off,” Woolley said.

But Toby repeated himself. “Your house is on (expletive) fire!”

She could hear her daughters crying in the background. And then Toby told her that her son Zack, 14, was still inside.

“I was five hours away and there was nothing I could do,” Woolley said.

Confused, distraught, Woolley helplessly ran around her car after learning the news. A friend pushed her into the back seat, buckled her in and her niece jumped into the driver’s seat. They took off.

“It was the worst five hours of my entire life,” Woolley said.

In North Bend, Toby, 17, stood outside of the one-story rental house at 2715 11th St., as Zack tried to contact 911. The boys had misplaced the cordless phone.

Earlier that morning, the boys and Woolley’s daughters, Zoey, 9, and Zanae, 4, watched movies in separate rooms. The teens paused their film and walked through Zack’s bedroom, where he had lit several candles, and into the garage to find a snack in the second fridge. Five to 10 minutes after they sat back down, Zoey came into the room. Something smelled like it was burning.

The fire alarm went off.

“I opened the door and there was a huge inferno engulfing my room,” Zack said. “Heat just hit my face.”

The following moments were like something out of a Charlie Chaplin film. Toby grabbed a pitcher full of water to toss on the flames, but spilled most of it as he ran down the hallway. Zack called 911 from a land line as black smoke filled the house. He then hit the ground and crawled his way out of the house. A neighbor tried to help the kids and began breaking windows in hope of putting out the fire with a garden hose. Except someone had cut the hose a few months prior.

The North Bend Fire Department put the fire out in about 10 minutes. But the family lost nearly everything.

“It was hard,” Zoey said, as she sat next to her mother and sister in their new home. “All my special things were gone. The only thing saved in my room was a ship in a bottle my daddy got me.”

A volunteer from the American Red Cross provided the Woolleys with a three-day stay at a local hotel and a pre-paid Master Card to purchase necessities.

Charity

While the Woolleys looked for a new home, members of their parish at the North Bend Methodist Church began to make calls to other churches and civic groups to get furniture, clothing and school supplies for the family.

Pastor Jerry Steele said his church also provided some monetary assistance. It was the right thing to do.

“Why wouldn’t we? They were in need. Isn’t that what a church is about?” Steele said. “By serving one another, we are serving Christ.”

Overwhelmed by the community’s response, the Woolleys said they are grateful for all they’ve been given and plan to pay it forward.

 “Maybe I can pass on the good that people have done for us,” Pauline’s husband, Scott Woolley, said. “It’s just amazing what people do in somebody else’s time of need.”

No insurance

Two weeks prior to the fire, Pauline and Scott had the paperwork for renters insurance. They talked about it, but the uncompleted packet burned with the house.

“It was one of those things put on the back burner,” Pauline said.

Scott, 38, who was working at the time of the blaze, said he finds the situation ironic.

“I’m not really tearing myself up over it. That’s the way the ball bounces,” he said.

On Thursday afternoon, Pauline Woolley said she signed up for renters insurance for the family’s new home on Oak Street.

A Coos County native, Scott said he heard from an insurance adjuster, who said the family may get a $100,000 bill for the damage.

“Right now I’m not really worried about it, because there are a lot more important things to be worrying about besides what the insurance company is going to do to me,” Scott said.

Looking forward

Walking through the ruined husk of their former home, glass and charred carpeting crunching under Zack and Pauline’s feet, Pauline said she wouldn’t move back into the house even if it were repaired.

“It will be too hard for the kids,” she said, explaining the girls have been inconsolable at times.

Although she doesn’t say it in so many words, it’s difficult for her, too.

“It hurts. This was our life,” Pauline said, as tears filled her dark brown eyes. “When I see it, it’s overwhelming.”

But she realizes that material possessions are a minor loss compared with what could have happened.

“It’s brought us closer and made us realize, you know what?” she said. “All that stuff we were working for — it didn’t matter, because we had each other.”
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Renters insurance offers protection


People who rent apartments or houses without renters insurance are more vulnerable than they may think.


There is protection: renter’s insurance. Costs can start as low as $12 a month for a policy.


That kind of policy can safeguard a tenant’s personal property against fire, theft and vandalism, according to State Farm Insurance’s Web site. Renters insurance also can be helpful in a liability lawsuit.


Homeowner or commercial property owner insurance policies cover the actual building, but generally not a renter’s possessions inside.


“A renters insurance policy, also known as a tenant’s insurance policy, provides protection for your personal property, such as furniture or electronic equipment, in case of perils like fire, theft, or wind damage from a hurricane,” Geico.com says on its Web site.


For the North Bend family who lost their possessions in their rental house fire, there aren’t many options.


Richard Rumbaugh, who rented a house to the Woolley family, said the house will be gutted and repaired ” thanks to his insurance coverage. But he feels for the family members who lost most of their possessions. They also may have to pay for the damage.


“My heart goes out to the tenants,” the North Bend man said.


“If you rent a house, you should have renters insurance. That’s my recommendation,” Rumbaugh said. “It was an accident. Accidents happen. That’s why you have insurance.”


He said he wouldn’t be without it if he were renting.


“You insure your car. You insure your home. You insure your boat. Why don’t you have renters insurance when it’s so inexpensive?”


” Staff Writer Jessica Musicar




Donations


A donation fund has been set up for the Woolley family, whose North Bend home burned in a fire on Aug. 3. Those interested in donating can deposit money in the Pauline Woolley Family account at U.S. Bank in North Bend.

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 wrote on Aug 23, 2008 2:52 PM:

Samuel,Do you even live in Coos County? The family should not have to pay any amount of money for any reason.

... wrote on Aug 18, 2008 2:08 PM:

Never leave a burning candel unattented!

Observer wrote on Aug 18, 2008 9:36 AM:

I have rented in the past and had renters insurance. My policy was only to cover "my" contents, not the house and/or apartment. That is the owners responsibility as far as I am concerned unless the renter deliberately set the fire. Someone needs to step in here and protect the family from a life-time of debt to repay the $100K. My thoughts and prayers go out to the family.

Cecilia wrote on Aug 16, 2008 9:21 PM:

My prayers go to the Woolley family.Pauline you are an amazing woman. If there is anything I can do please call me.

Cookie wrote on Aug 16, 2008 7:18 PM:

It is the insurance companies job to pay as little on a claim as they can. This is such a scam!

I agree with Sam, I think the insurance company is responsible for payment but they will force this debt to the family if allowed. I have had renters insurance to cover my belongings but it never covered my apartment, that was taken care of by the landlords insurance.

I will be donating to the family but the best donation this family could receive is from an attorney who could provide some assistance regarding the possible $100,000. bill from the insurance company. What a good cause this would be! Any of our local attornies up the this?

Elizabeth wrote on Aug 16, 2008 4:06 PM:

To those obtaining renters insurance, be sure to request earthquake protection as an add-on rider. It will cost a few bucks more, but is worth it. Most people don't realize earthquake damage is NOT covered by standard renters insurance (nor is flood). Just an FYI for something that is totally worth it.

Also, I agree with Samuel on the liability. If the landlord already had insurance, why do the renter's somehow have to pay? That doesn't sound like a very fair insurance policy..

Best of luck to the Woolley family though.

Samuel wrote on Aug 16, 2008 9:03 AM:

Unless the fire was deliberately set with malicious intent, the family cannot be held liable for the house being destroyed by fire. It sounds more like it may have been accidental if anything. Besides if they were renting the place, then the landlord has to carry insurance to cover the house in this instance and the insurance should pay for the structure. This sounds typical for insurance companies in Oregon though! I got a car stolen from me a few years back when I lived there and the insurance company tried to get out of paying for it claiming that only certain kinds of theft were covered. I went to the State Insurance Commissioner, made a case in which the insurance company I think was caught by surprise and low and behold they paid out. Good Luck to the family and Gods Blessings be on to you all!


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