About eparamedic

My wife and I entered into a lease purchase agreement for a house on September 30, 2007. At the time we enterd into this agreement, we were required to maintain insurance on the property for dwelling and contents as a term of the agreement. The owners of the property insisted, prior to the lease signing, that we use their own agent for insurance, as he was "the only agent they trusted" and because "we have been using him for years" We agreed to this term and the owners of the home stated that they would contact the agent and "set the insurance up" for us. At the signing of our lease purchase agreement, we were provided an insurance binder from the  Insurance Agency listing Travelers Insurance Company as the insuring company and myself and my wife as the insured for property and content with the landlords listed as the mortgage holder. We provided total payment of $1229.00 for the first years insurance and enterd into an agreement to provide payment of an additional $102.42 per month in addition to our payments to escrow the next years insurance payments. On Feb. 28th, 2008 we suffered a accidental kitchen fire in the home. The fire in the home was contained to the kitchen and dining room, however, all of our contents suffered major smoke and water damage and is a loss. On Feb. 29th an adjuster from the insurance company arrived at our home and stated that he was "only here for the structure" He futher stated that he "showed no coverage for contents" I called the Insurance Agency and was told we  "have no insurance on the home" When I informed the agent that I had, in my hand, a copy of the binder signed by him saying we did, the agent changed his story to "the underwriter had the policy changed a few weeks ago" He stated that we did not "have an interest in the house" and that the underwriter "required that "the owner be insured" My family of six including children ages 13, 11, 10, and 8 today, have nothing. We are homeless as a result of this fraud.  The loss of our home and it's contents has left our family without anything and Friday (when our money for hotel rooms runs out) without even a roof over our heads or food for my family. My wife and I have god jobs but we have spent all of our savings to provide the basics for our children. I can not bear to watch them cry at night anymore. Anything would help. All we want is to feed and house our children while the attorney and insurance company fight this out and we are stuck without anything.