What can I do to make the bank fix the burned down house next door?The house next door burned down about 11 months ago. They have taken no action and have even sent some people out to winterize the house (they were very surprised when they got there). The yard is overgrown, the house is completely burnt out with no hope of fixing it up. We are now having trouble with mice and are... |
Call the health dept. or the dept. of housing in your city. Plus, you may have municipal codes about letting a house become a nuisance.
little to nothing.
firstly, "the bank" is probably agent for the owners of the mortgage and not that actual owner itself. Thus, the owners of the mortgage make the major decisions, not the bank. And they do it when it suits them, not when it suits you. If the house was actually foreclosed and sold to the loan owners, the same is true -- they call the shots, not the bank (who is merely their agent).
second, any time there's a fire in a foreclosed or abandoned property, there's insurance company fun. The first question is which insurance company is responsible, if any. There's the original homeowner's insurance company -- if the coverage continued to be paid and if the terms of the policy were not violated [example: homeowner's insurance may lapse (terminate early) if the home is unoccupied for more than 30 consecutive days.]
Then there's the 'forced' policy and company provided under the terms of the mortgage after the original policy lapsed [or wasn't paid]. And were its terms met?
And if the house was foreclosed, there's the new owner's policy [if they have one] and its company.
PLUS, as an added bonus, there's the possible issue of why the house burned and was it a criminal act? possibly by someone who is angry at the "bank" that initiated foreclosure???
AND, on top of that, what if the 'owner' of the mortgage or property is in bankruptcy? Then there's a bankruptcy trustee somewhere, possibly quite far away, who is making all the decisions.
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all of which rather strongly suggests that what you can do is complain to your local government's building department and ask them to inspect the property for hazards. after a fire, the building is probably listed as 'unfit to occupy' with them anyway, and what you want is them to issue an order to the 'owner' to make it safe against unwanted pests, use, and abuse and to keep the place in 'reasonable' conditions [cut the weeds regularly].
Do you live in a city?
If not, you've just discovered why some people like cities. Contact your local politician and/or health department. This is exactly why cities have such things.
Contact your City Building Department and report it.
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