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Title: Family Facing Jail for Living in RV On Their Own Property To Repair Home After Fire
Source: Activist Post/FTP
URL Source: https://www.activistpost.com/2019/1 ... to-repair-home-after-fire.html
Published: Nov 15, 2019
Author: Matt Agorist
Post Date: 2019-11-15 12:52:45 by Deckard
Keywords: None
Views: 773
Comments: 31

By Matt Agorist

Madison, MS — Last year, the Navari family was devastated on Christmas Eve when their home caught fire and destroyed all they had. Pam Navari thought things couldn’t get any worse after the fire. However, thanks to the government, she was wrong. Now, as the family battles the insurance company to pay for the damage, they are also battling government who says it’s illegal for them to live in an RV in their own driveway while they conduct repairs.

The Navari’s didn’t just set up an RV and start living like Uncle Eddie in the Griswold’s driveway, dumping their sewage into the storm drain. They actually sought out permission from city officials first, and were approved.

“We called the alderman, the mayor was aware of it. We were told as long as I was approved by the homeowners (association) board, then we could get a temporary permit. They were OK with it,” Navari said.

Despite being told it was okay, one apparently heartless board member reneged on the decision and made it their mission to make the Navari’s lives a living hell.

“The next thing we knew, we get a letter from a board member saying it was against the covenant. They were not able to change the covenant. They felt sympathy for us in our situation, but we needed to leave,” Navari said.

Navari posted a photo of the email to Facebook, proving her claims. This alleged “sympathy” from the board member was quickly followed up with a demand to GTFO.

“This is a bonafide emergency. What we are going thru could happen to anyone in our neighborhood or others,” she said. But city officials couldn’t care less about a family emergency and the family is now in violation of city ordinances which could land them in jail.

Having nothing better to do, the city actually sent enforcers out to the property to threaten and intimidate the family. Rich Navari, Pam’s husband witnessed the intimidation first hand. According to Pam:

Now, we are not just having to fight this insurance company. This week we had to go in-front of the City. Since the President of the HOA never sent a letter to the Home Land Management company. We are now in violation of zoning ordinance. Yesterday we received a citation summons. When Rich showed the officer our home, he was apologetic for having to deliver this. On November 19th at 1:30, we have to go to court. While Rich was standing in our driveway, a truck sped up and parked in front of our driveway and a guy jumps out. An employee of the management company as starts taking pictures. While he is saying and motioning with his hands, you were supposed to have this thing out of here by the 15th. I’m reporting you today.

Pam posted a video this week to Facebook expressing their frustration.

“I cannot believe that people can be so cold and unempathetic about what people are going through,” Navari said.

We agree. However, this is the nature of the state. Now, the family is in a race against time. They are hoping their attorney reaches a settlement with the insurance company in time before they are forced out on the street, or worse, go to jail.

“We are not trying to hurt anybody. We are trying to continue to be a family. Every day we are fighting to have this attorney deal with the insurance company so we can get our home back. That’s what we are trying to do,” Navari said.

The family has only a few weeks before their court date next month. If they don’t get everything settled with the insurance company before then, they face fines, court costs and possible jail time.

And this is what a family attempting to rebuild their home after a fire looks like in the land of the free.

This action by city officials should come as no surprise, however, as government has shown us that they are willing to steal homes from elderly retirees over $8 in property taxes. Shameful indeed. (1 image)

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Begin Trace Mode for Comment # 24.

#4. To: Deckard (#0)

Every day we are fighting to have this attorney deal with the insurance company so we can get our home back.

This is the real story that local 16 WAPT News Jackson has failed to report...the reason WHY the Navari's are struggling.

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi. Even the State Insurance Commissioner says they are screwed...say what!

How many other homeowners in their state have the same insurance coverage...or lack there of?

watchman  posted on  2019-11-15   16:24:43 ET  Reply   Untrace   Trace   Private Reply  


#8. To: watchman (#4)

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi.

So THAT'S why it was only $100 per year!

misterwhite  posted on  2019-11-16   9:53:13 ET  Reply   Untrace   Trace   Private Reply  


#10. To: misterwhite (#8)

The Navari's were sold a homeowner's insurance policy that does not have to comply with the rules of the State of Mississippi.

So THAT'S why it was only $100 per year!

The Navari's purchased insurance from a licensed insurance agent. With all the strict licensing procedure through the Mississippi Insurance Department how is the agent then allowed to sell unlicensed policies in the state?

Furthermore, adequate homeowner's insurance ought to be requirement NUMBER ONE for moving into an HOA, because nothing lowers property values like a burned out house right next door.

The HOA failed the Navari's for not giving them a careful review of the homeowner's policy.

watchman  posted on  2019-11-16   10:56:28 ET  Reply   Untrace   Trace   Private Reply  


#12. To: watchman (#10)

The HOA failed the Navari's for not giving them a careful review of the homeowner's policy.

Since when is an HOA responsible for their members' insurance policy? From what I've read, the insurance company IS honoring the claim -- they just can't agree on the amount.

This happened to me. I had storm damage to my roof. A roofer quoted a price. State Farm said they would pay a lower amount based on their estimate of the damage.

The two of them sat down and went over their estimates line-by-line, came up with an amount, and the work was completed to my satisfaction.

I'm thinking this homeowner is going public to force the insurance company to cave. Probably so one of their relatives can do the work at an inflated price.

misterwhite  posted on  2019-11-16   11:20:44 ET  Reply   Untrace   Trace   Private Reply  


#13. To: misterwhite (#12)

Since when is an HOA responsible for their members' insurance policy?

A damaged house, especially one that is not being repaired, has far more negative impact than an RV sitting in a driveway.

What good is an association of homeowners who allow one of their members to be caught up in endless legal battles over their house insurance? Why not review insurance policies, pool their knowledge/experience, and actually provide assistance in this area?

Unless all they are concerned with is how the place looks.

watchman  posted on  2019-11-16   11:34:57 ET  Reply   Untrace   Trace   Private Reply  


#15. To: watchman (#13)

A damaged house, especially one that is not being repaired, has far more negative impact than an RV

Apparently not, since the fire damage was limited to the interior.

Moot point. The issue is not the damaged house. The issue is the RV in the driveway. Why can't they honor the HOA agreement and simply move it to a trailer park on a temporary basis?

misterwhite  posted on  2019-11-16   11:47:23 ET  Reply   Untrace   Trace   Private Reply  


#17. To: misterwhite (#15)

Apparently not, since the fire damage was limited to the interior.

That may not always be the case. Fires don't always stay contained. Windows get knocked out, walls and roofs collapse, etc.

If an association member has useless insurance (and doesn't know it), all the association members suffer.

Insurance reviews don't seem out of context especially when you consider that you must ask permission to go to the bathroom in an HOA.

I agree with you about the RV, move it to a RV park. This is Mississippi, stuff like that is dirt cheap there.

watchman  posted on  2019-11-16   11:56:39 ET  Reply   Untrace   Trace   Private Reply  


#19. To: watchman (#17)

Insurance reviews don't seem out of context

True, but where does that stop? Car insurance? Health insurance?

misterwhite  posted on  2019-11-16   11:59:55 ET  Reply   Untrace   Trace   Private Reply  


#20. To: misterwhite (#19)

True, but where does that stop? Car insurance? Health insurance?

The homeowner's insurance review would be enough.

Imagine if you were a member of the board of that HOA (God forbid!).

You could have directed the Navari's away from that policy from Nigeria and given them some HOA options... State Farm being one of them.

watchman  posted on  2019-11-16   12:08:08 ET  Reply   Untrace   Trace   Private Reply  


#21. To: watchman (#20)

You could have directed the Navari's away from that policy

I'm not convinced they had a bad policy. Seems to me they thought it should cover more than it does.

If you have hail damage to the siding on one side of your house (usually what happens), what's replaced by the insurance company? The damaged siding on the one side or the entire house?

Sometimes you don't know until it happens. Then you get into these kind of arguments.

misterwhite  posted on  2019-11-16   12:22:08 ET  Reply   Untrace   Trace   Private Reply  


#24. To: misterwhite (#21)

I'm not convinced they had a bad policy.

I hope for their sake, and the HOA, that they get this resolved.

The average consumer is usually caught off guard, under extremely confusing conditions, to then find out that insurance is going to fight them all the way.

Sometimes you don't know until it happens.

Yes, my insurance recently raised my homeowner's rate by almost double. I went through an exhaustive review with them about coverage etc. Still not convinced they'll pay if I ever have a claim.

watchman  posted on  2019-11-16   12:31:34 ET  Reply   Untrace   Trace   Private Reply  


Replies to Comment # 24.

#25. To: watchman (#24)

I increased my deductible to 1% of home value. Which is a lot, but I found out that most contractors will pay your deductible to get your repair business (assuming a large claim). They did with the roof.

That might lower your premium.

misterwhite  posted on  2019-11-16 12:58:44 ET  Reply   Untrace   Trace   Private Reply  


End Trace Mode for Comment # 24.

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