Family Needs Help After Devastating Fire

On January 5th, we had an electrical fire in our home, and although I don't want to ask for help, I am.

My fiancé Caleb has been paying insurance through the mortgage for years. In Oct 2024, unbeknownst to us, they changed the insurance company and policy without permission. The original policy had $600,000 coverage, including personal items and hotel stays for displacement. The new policy only has $100,000 coverage and doesn't even cover hotels/motels or personal belongings loss. We are obviously livid but still in shock. There will definitely be an investigation and lawsuit in the future. But we can't even begin that until we're stable.

The home is unable to be lived in. The wiring for the whole home must be replaced before we can even legally go back. No power. No water. Smoke damage throughout and fire damage to the basement and first floor. All of our clothes stink even. It's awful.

As many of you know, my fiancé is deployed for the Army, adding more difficulty to an already difficult situation. My kids are autistic and don't handle change or stress very well, especially my daughter. It hurts my heart to be so unstable for her right now.

It was so hard to make this GoFundMe. But my pride isn't as important as the well-being of the family. My hardworking Caleb and these kids deserve more than I can provide. So I'm asking, if you can help, please do. I just want a roof over their heads and a chance to rebuild. We've just started over only 9 months ago, and now we're all back at square one. Thank you for listening to our story. Godbless.