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how do you sue an individual ? man i was living w/ homeowner's house burned down. me and my son lucky 2 b aliv?

k moved in w/ 56 yr old man who grew up in his house paid him wkly rent of $100 proof lived there cuz of neighbors mail went there, n 1 nite he was oot visiting grandkids and my son woke up w/ eyes burning n when i woke up celing fell in on me n i ran to my 13yr old, grabbed him up, and we could barely see we were tryin to find a way out n lucky then he asked me to make out list of items lost in fire in my room and in the house he didn't have me on ins but he was told by adjuster to get me to do it when done came to over $12k. so guy he was dealing w/ about getting your money said he would get back w/ me he was unsure i could get any money cuz no renters ins however i was the homeowners roommate. then he told me son's stuff could probably be replaced yet not mine then he told me that mine nor nate's could be replaced but since nate lived w/ my mom 1/2 time n me 1/2 time that i could poss. contact mom's ins pay prem. n get his replaced n that ins co. nor my mom has notta to do w/ ron's house burning to ground. well, went to chck mail one day and lot where house was cleared off in less thn 6 wks ron telling me the guy wouldn't return his calls, then next time i was over he said he was just gonna bill the ins co yet he was pourin foundation w/ some money from somewhere for his new home, n the next few weeks went by and he had a brandnew modular set in there he was living in a brand new home and i didn't get shit. i then knew ron had to b lying to me n that ins probably told him it was up to him to pay me or not and the adjuster/claims adjuster sent me a letter cuz i complained w/ the state's dept of ins and they sent complaint to claim adjuster n adj. sent statement to ins guy over case n to me saying since i wansn't a friend or family member that i wasn't covered so how do i sue ron for giving me what i am owed b/c i lost everything n some of that stuff like pics n gifts over yrs of me n kids n my memories are priceless. someone plz tell me what to do i would appreciate it thnx.

Public Comments

1. first off, if you cannot express yourself any better than this, you will not get far. since you are talking about more than a small claims case this will require some serious legal work. you will have to prove it was the old guy's fault that the house burned and you suffered damages. you will need to hire a lawyer for this. be advised, unless you can prove this was the home owner's fault you will likely receive nothing. this is why you should have renter's insurance.
2. I kinda understand what your saying, but better said than that rude person, you need to make paragraphs. As soon as I get to the middle my eyes hurt with all those letters. I dont' think I have any advice for you hun, but it sounds like he did lie to you about the claim. If your going to re-write your question, please spell the words out, I got kinda confused what abbriviations are what... but I get ya. :D Good Luck! (EDIT: Really, you should be reimbursed. You paid rent, by his rules, ect... The fire I assume was his cause. If your stuff went with it you have to be reimbursed, cause paying rent would be considered "Area of ownership", as a RENTER! Not and actual owner. So say if I was living in apartments, and some moron decides to light a fire the next room over, and hell breaks loose, I lost everything. Well... Who do you think will paY?)
3. Simple answer: as a tenant, you are expected to carry your own renter's insurance. Nobody else is required to or in fact even able to in most cases. Your losses are your own, I'm afraid,. and you cannot sue anyone. Your landlord/roommate is not responsible because you chose to save a few dollars each month.