{"id":331,"date":"2016-02-19T20:46:46","date_gmt":"2016-02-19T20:46:46","guid":{"rendered":"http:\/\/stories.kera.org\/rebuilding\/?p=331"},"modified":"2016-11-18T21:35:48","modified_gmt":"2016-11-18T21:35:48","slug":"without-adequate-insurance-a-family-starts-from-scratch","status":"publish","type":"post","link":"https:\/\/stories.kera.org\/rebuilding\/2016\/02\/19\/without-adequate-insurance-a-family-starts-from-scratch\/","title":{"rendered":"Without Adequate Insurance, A Family Starts From Scratch"},"content":{"rendered":"

The Insurance Information Institute<\/a> estimates only 40 percent of people who lease apartments or houses have renter\u2019s insurance. They need that money to buy food and pay the bills.\u00a0<\/em>One Garland family is living with the fallout after a tornado ripped its\u00a0house apart and smashed its truck. While the landlord pays to rebuild the home, the family pays to fix the rest.\u00a0<\/em><\/p>\n

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A soundtrack of nail guns, hammers and electric saws punctuates an otherwise quiet day on Oceanport Drive in Garland.<\/p>\n

Contractor Charles Beck is working hard to put a storm-wrecked house back together. He\u2019s particularly invested because he used to live here.<\/p>\n

Before the tornado, he was renting it with his fianc\u00e9e and their three kids.<\/p>\n

\u201cLuckily, we got the contract to do the repairs on our home, so that helped put me back to work,\u201d Beck said.<\/p>\n

Repairing his own home is Beck’s first contracting job since his work truck full of tools was crushed during the Dec. 26 tornado. He said he had general liability insurance on the truck, so the damages were not covered. The many tools he lost to the storm totaled about $10,000, he said.<\/p>\n

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  • \"\"
    An American flag is stuck in a damaged tree near the home of Jessica Cadick and Charlie Beck of Garland. Photo\/Lara Solt<\/div><\/div><\/li>\n
  • \"\"
    From right: Kaden Beck, 6, Kairi Beck, 8, and Joshua Tucker, 9 run in circles through their Garland home where their parents have already started the process of rebuilding their home. Photo\/Lara Solt<\/div><\/div><\/li>\n
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    A damaged house near the home of Jessica Cadick, and her fianc\u00e9\u008e Charlie Beck in February. Photo\/Lara Solt<\/div><\/div><\/li>\n <\/ul>\n <\/div>\n \n <\/div>\n