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(min-resolution: 192dpi)\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-mobileMasterAt3x-v2.jpg?quality=75&auto=webp&disable=upscale&width=1200\"><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-mobileMasterAt3x-v2.jpg?quality=75&auto=webp&disable=upscale&width=600\"><img alt=\"A couple sits on a blue couch. Their arms are intertwined. She is wearing a blue sweater and he is wearing a black fleece. Below them in a separate photograph is a portrait of another couple. They are sitting at a table. She is wearing a white sweater and he is wearing a fleece. \" class=\"css-1jmxix1\" src=\"https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-articleLarge-v3.jpg?quality=75&auto=webp&disable=upscale\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-articleLarge-v3.jpg?quality=75&auto=webp 600w,https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-jumbo-v3.jpg?quality=75&auto=webp 680w,https:\/\/static01.nyt.com\/images\/2025\/02\/26\/realestate\/26testtales\/26testtales-superJumbo-v3.jpg?quality=75&auto=webp 1359w\" sizes=\"100vw\" decoding=\"async\" width=\"600\" height=\"905\"><\/picture><div class=\"css-1iizbpx\"><div class=\"css-evel80\"><div><p class=\"css-1krtrpn e6idgb70\"><\/p><div class=\"css-1sojcmr ehdk2mb0\"><h1 id=\"link-6ce3e849\" class=\"css-185ahps e1h9rw200\" data-testid=\"headline\">One Fire, Two Burned Homes and Wildly Different Insurance Outcomes<\/h1><\/div><p class=\"css-178vgup e1wiw3jv0\">Two neighboring families lost their houses in a Colorado wildfire. One was reimbursed for the contents of their home within seven weeks, and the other is still fighting.<\/p><\/div><\/div><\/div><\/div><figcaption data-testid=\"photoviewer-children-ImageCaption\" class=\"css-ktho12 e3rygrp0\"><span class=\"css-jevhma e13ogyst0\">Lara and Trevor Ackerman (top) and Jennifer and Ryan Spalding (bottom) had nearly identical homes. Their paths diverged after a wildfire.<\/span><span class=\"css-14fe1uy e1z0qqy90\"><span class=\"css-1ly73wi e1tej78p0\">Credit...<\/span><span><span aria-hidden=\"false\">Chet Strange for The New York Times<\/span><\/span><\/span><\/figcaption><\/figure><\/div><\/div><div class=\"css-3cv6xm\"><div class=\"css-1fn0wy7\"><div><div data-agent-experiment=\"control_value\" data-regi-experiment=\"control_value\" data-feature-gate=\"false\" data-dynamic-config=\"pass_value\" data-layer=\"control_value\" data-testid=\"masthead-container\" class=\"NYTAppHideMasthead css-1bcu9v6 e1m0pzr40\"><header class=\"css-1nf2dl3 e1m0pzr41\"><section class=\"css-hdgjxg e1m0pzr42\"><div class=\"css-a44i74 ea180rp0\"><a class=\"css-wsvg60\" href=\"#site-content\">Skip to content<\/a><a class=\"css-wsvg60\" href=\"#site-index\">Skip to site index<\/a><button width=\"430\" type=\"button\" class=\"css-1a1fdrl ea180rp1\"><span class=\"css-1dv1kvn\">Search & Section Navigation<\/span><svg aria-hidden=\"true\" 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14.5714H4.23792V18H16.2379V14.5714H16.2355Z\" fill=\"#333333\"><\/path><\/svg><\/span><\/a><\/div><\/section><\/header><\/div><p class=\"css-1krtrpn e6idgb70\"><\/p><div class=\"css-1sojcmr ehdk2mb0\"><h1 id=\"link-6ce3e849\" class=\"css-185ahps e1h9rw200\" data-testid=\"headline\">One Fire, Two Burned Homes and Wildly Different Insurance Outcomes<\/h1><\/div><p class=\"css-178vgup e1wiw3jv0\">Two neighboring families lost their houses in a Colorado wildfire. One was reimbursed for the contents of their home within seven weeks, and the other is still fighting.<\/p><\/div><\/div><\/div><\/header><div class=\"css-yi0xdk e89cr9k0\"><p class=\"css-11vzj2f\" aria-hidden=\"true\"><span class=\"css-1f1w20n realestate\">Lara and Trevor Ackerman (top) and Jennifer and Ryan Spalding (bottom) had nearly identical homes. Their paths diverged after a wildfire.<\/span><span class=\"css-14fe1uy e1z0qqy90\"><span class=\"css-1ly73wi e1tej78p0\">Credit...<\/span><span><span>Chet Strange for The New York Times<\/span><\/span><\/span><\/p><\/div><div id=\"sponsor-wrapper\" class=\"css-1hyfx7x\"><div id=\"sponsor-slug\" class=\"css-1hyfx7x\"><p>Supported by<\/p><\/div><a href=\"#after-sponsor\" class=\"css-777zgl\">SKIP ADVERTISEMENT<\/a><div class=\"ad sponsor-wrapper css-rfqw0c\" id=\"sponsor\"><\/div><div id=\"after-sponsor\"><\/div><\/div><div class=\"css-141yyh8 e89cr9k1\"><div class=\"css-1mc46rn\"><div class=\"css-1von7hd\"><audio preload=\"metadata\" src=\"https:\/\/static.nytimes.com\/narrated-articles\/synthetic\/article-ef674a4f-8ecf-5cb7-ae2b-d98709b5b67e\/job-1741370879799\/article-ef674a4f-8ecf-5cb7-ae2b-d98709b5b67e-job-1741370879799.mp3\" type=\"audio\/mpeg\"><\/audio><div class=\"css-b8gc4a\"><div class=\"css-79elbk\"><button type=\"button\" class=\"css-1xny6fl\" aria-label=\"Listen to 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href=\"https:\/\/www.nytimes.com\/by\/rukmini-callimachi\" class=\"css-uwwqev\"><img alt=\"Rukmini Callimachi\" title=\"Rukmini Callimachi\" src=\"https:\/\/static01.nyt.com\/images\/2018\/10\/08\/multimedia\/author-rukmini-callimachi\/author-rukmini-callimachi-thumbLarge-v2.png\" class=\"css-dc6zx6 ey68jwv2\"><\/a><\/div><div class=\"css-233int epjyd6m1\"><p class=\"css-4anu6l e1jsehar1\"><span class=\"byline-prefix\">By <\/span><a href=\"https:\/\/www.nytimes.com\/by\/rukmini-callimachi\" class=\"last-byline css-ojhyzr e1jsehar0\" itemprop=\"name\">Rukmini Callimachi<\/a><\/p><div class=\"css-gqryk5 epjyd6m0\"><div id=\"enhanced-byline\" class=\"css-8atqhb\"><p class=\"css-1hyokyd e1wtpvyy0\">Rukmini Callimachi spent two days in Louisville, Colo., interviewing victims of the 2021 Marshall fire. <\/p><\/div><\/div><\/div><\/div><ul class=\"css-1cgskve epjyd6m4\"><li class=\"css-ccw2r3 epjyd6m3\"><time datetime=\"2025-03-07T05:00:36-05:00\" class=\"css-1gu861y e16638kd2\"><span class=\"css-1sbuyqj e16638kd3\">March 7, 2025<\/span><\/time><\/li><\/ul><\/div><\/div><\/div><section name=\"articleBody\" class=\"meteredContent css-1r7ky0e\"><div class=\"css-s99gbd StoryBodyCompanionColumn\" data-testid=\"companionColumn-0\"><div class=\"css-53u6y8\"><p class=\"css-at9mc1 evys1bk0\">Before the fire, the two couples, and the homes they loved, were nearly identical.<\/p><p class=\"css-at9mc1 evys1bk0\">The Ackermans and the Spaldings bought their houses \u2014 a few hundred feet apart, framed by windows facing dramatic views of the Rocky Mountains \u2014 15 years ago. <\/p><p class=\"css-at9mc1 evys1bk0\">Both homes in Louisville, Colo., were roomy, each with three stories, four bedrooms and a finished basement. And the couples grew their families to fill them, welcoming their first children \u2014 daughters who later served in the same Girl Scout troop \u2014 around the time they moved in. Two years later, each couple welcomed a second child, another daughter for the Ackermans and a son for the Spaldings.<\/p><p class=\"css-at9mc1 evys1bk0\">On Dec. 30, 2021, as smoke descended over the cul-de-sacs dotted with maple trees, the families escaped a wildfire that destroyed more than 1,000 structures. Both couples returned the next day to find that their subdivision had been obliterated, the destruction so complete that they had to rely on street signs and charred trees to identify the plots where their homes once stood.<\/p><\/div><aside class=\"css-ew4tgv\" aria-label=\"companion column\"><\/aside><\/div><div data-testid=\"ImageBlock-1\"><div data-testid=\"imageblock-wrapper\"><figure class=\"img-sz-large css-bkbwf1 e1g7ppur0\" aria-label=\"media\" role=\"group\"><div class=\"css-1xdhyk6 erfvjey0\" data-testid=\"photoviewer-children-figure\"><span class=\"css-1ly73wi e1tej78p0\">Image<\/span><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-mobileMasterAt3x.jpg?quality=75&auto=webp&disable=upscale&width=1800\"><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-mobileMasterAt3x.jpg?quality=75&auto=webp&disable=upscale&width=1200\"><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-mobileMasterAt3x.jpg?quality=75&auto=webp&disable=upscale&width=600\"><img alt=\"At nighttime, the view of a house seen from the side as it is consumed in flames. \" class=\"css-r3fift\" src=\"https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-articleLarge.jpg?quality=75&auto=webp&disable=upscale\" srcset=\"https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-articleLarge.jpg?quality=75&auto=webp 600w,https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-jumbo.jpg?quality=75&auto=webp 1024w,https:\/\/static01.nyt.com\/images\/2025\/03\/07\/multimedia\/07taleoftwohouses-01-mltb\/07taleoftwohouses-01-mltb-superJumbo.jpg?quality=75&auto=webp 2048w\" sizes=\"((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 80vw, 100vw\" uri=\"nyt:\/\/image\/27b1a0e3-aaad-5e5f-b91f-e0242cfaa690\" decoding=\"async\" width=\"600\" height=\"400\"><\/picture><\/div><figcaption data-testid=\"photoviewer-children-caption\" class=\"css-1g9ic6e ewdxa0s0\"><span class=\"css-jevhma e13ogyst0\">More than three years ago, the Marshall fire jumped a freeway and engulfed the town of Louisville, Colo.<\/span><span class=\"css-14fe1uy e1z0qqy90\"><span class=\"css-1ly73wi e1tej78p0\">Credit...<\/span><span><span aria-hidden=\"false\">Christian Murdock\/The Gazette, via Associated Press<\/span><\/span><\/span><\/figcaption><\/figure><\/div><\/div><div class=\"css-s99gbd StoryBodyCompanionColumn\" data-testid=\"companionColumn-1\"><div class=\"css-53u6y8\"><p class=\"css-at9mc1 evys1bk0\">Each family<strong class=\"css-8qgvsz ebyp5n10\"> <\/strong>soon reached out to their insurers to begin rebuilding their lives. And that\u2019s when their paths diverged \u2014 sharply. <\/p><\/div><aside class=\"css-ew4tgv\" aria-label=\"companion column\"><\/aside><\/div><div data-testid=\"Dropzone-3\"><div class=\"css-8atqhb\" data-testid=\"emptyDropzone\"><\/div><\/div><div class=\"css-s99gbd StoryBodyCompanionColumn\" data-testid=\"companionColumn-2\"><div class=\"css-53u6y8\"><p class=\"css-at9mc1 evys1bk0\">The Spaldings received a check for $311,810 from their insurer Safeco in seven weeks to cover the belongings lost in the blaze, after little more than a phone interview with the adjuster. More than a year later, State Farm, the insurer for the Ackermans, offered just $131,275 to cover their contents,<span class=\"css-8l6xbc evw5hdy0\"> <\/span>and only after<span class=\"css-8l6xbc evw5hdy0\"> <\/span>the couple produced an exhaustive, 50-page Excel spreadsheet including items as minor as the Lego set and Barbie dolls their daughters had lost.<\/p><p class=\"css-zry96z\" aria-live=\"polite\" role=\"note\"><a class=\"css-1081t4c\" href=\"https:\/\/www.nytimes.com\/subscription?campaignId=8WXW7\">Subscribe to The Times<\/a> to read as many articles as you like.<\/p><\/div><aside class=\"css-ew4tgv\" aria-label=\"companion column\"><\/aside><\/div><\/section><div class=\"bottom-of-article\"><div class=\"css-5dm9xx\"><div class=\"css-acwcvw\"><strong class=\"css-1vg6q84\">A correction was made on<\/strong> <div class=\"css-dzvz0g e16638kd1\">March 7, 2025<\/div>: <p class=\"css-o5w3xl evys1bk0\">An earlier version of this article misstated the financial loss caused by the Marshall fire in Colorado. It caused over $2 billion in losses, not $1 trillion.<\/p><\/div><div><div class=\"css-akishs\"><hr class=\"css-muy199\"><p class=\"css-1anccaj\">When we learn of a mistake, we acknowledge it with a correction. If you spot an error, please let us know at <span class=\"css-9u48bm\"><a href=\"mailto:nytnews@nytimes.com\">nytnews@nytimes.com<\/a>.<\/span><a href=\"https:\/\/www.nytimes.com\/explain\/2022\/new-york-times-journalism\">Learn more<\/a><\/p><\/div><\/div><\/div><div class=\"css-1i6tsou\"><div class=\"css-h77nca eqi4ubu0\"><div class=\"css-kzd6pg\"><p><span class=\"css-97bxx6\"><a class=\"authorPageLinkClass overrideLinkStyles\" href=\"https:\/\/www.nytimes.com\/by\/rukmini-callimachi\">Rukmini Callimachi<\/a><\/span> is a three-time Pulitzer Prize finalist. Before joining The Times in 2014, she spent seven years as a correspondent and bureau chief reporting from Africa for The Associated Press.<span class=\"css-kzd6pg\"> <a class=\"authorPageLinkClass overrideLinkStyles\" href=\"https:\/\/www.nytimes.com\/by\/rukmini-callimachi\">More about Rukmini Callimachi<\/a><\/span><\/p><\/div><\/div><\/div><div role=\"toolbar\" data-testid=\"share-tools\" aria-label=\"Social Media Share buttons, Save button, and Comments Panel with current comment count\" class=\"css-yomkvi\"><div><\/div><div class=\"css-n8j48p\"><button type=\"button\" class=\"css-7ljwz big-bottom-button-v2 comments-button-container-v2 undefined\" aria-label=\"Read 259 Comments\" data-testid=\"comments-speech-bubble-bigBottom-v2\" id=\"comments-speech-bubble-bigBottom\">Read 259 Comments<\/button><button type=\"button\" class=\"css-1dg16hf comments-button-container undefined\" aria-label=\"Read 351 comments\" data-testid=\"comments-speech-bubble-bigBottom\" 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Both couples returned the next day to find that their subdivision had been obliterated, the destruction so complete that they had to rely on street signs and charred trees to identify the plots where their homes once stood.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":2},{\"__typename\":\"ImageBlock\",\"media\":{\"__typename\":\"Image\",\"altText\":\"At nighttime, the view of a house seen from the side as it is consumed in flames. \",\"caption\":{\"__typename\":\"TextOnlyDocumentBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"More than three years ago, the Marshall fire jumped a freeway and engulfed the town of Louisville, Colo.\"}]}],\"text\":\"More than three years ago, the Marshall fire jumped a freeway and engulfed the town of Louisville, Colo.\"},\"credit\":\"Christian Murdock\\u002FThe Gazette, via Associated Press\",\"crops\":[{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":400,\"name\":\"articleLarge\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-articleLarge.jpg\",\"width\":600},{\"__typename\":\"ImageRendition\",\"height\":433,\"name\":\"popup\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-popup.jpg\",\"width\":650},{\"__typename\":\"ImageRendition\",\"height\":683,\"name\":\"jumbo\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-jumbo.jpg\",\"width\":1024},{\"__typename\":\"ImageRendition\",\"height\":1365,\"name\":\"superJumbo\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-superJumbo.jpg\",\"width\":2048}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":150,\"name\":\"thumbLarge\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-thumbLarge.jpg\",\"width\":150}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":127,\"name\":\"articleInline\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-articleInline.jpg\",\"width\":190}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":2701,\"name\":\"mobileMasterAt3x\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb\\u002F07taleoftwohouses-01-mltb-mobileMasterAt3x.jpg\",\"width\":1800}]}],\"id\":\"SW1hZ2U6bnl0Oi8vaW1hZ2UvMjdiMWEwZTMtYWFhZC01ZTVmLWI5MWYtZTAyNDJjZmFhNjkw\",\"imageType\":\"photo\",\"legacyHtmlCaption\":\"More than three years ago, the Marshall fire jumped a freeway and engulfed the town of Louisville, Colo.\",\"timesTags\":[],\"uri\":\"nyt:\\u002F\\u002Fimage\\u002F27b1a0e3-aaad-5e5f-b91f-e0242cfaa690\",\"url\":\"\\u002Fimagepages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-01-mltb.html\"},\"size\":\"LARGE\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":3},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Each family\"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"BoldFormat\",\"type\":null}],\"text\":\" \"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"soon reached out to their insurers to begin rebuilding their lives. And that\u2019s when their paths diverged \u2014 sharply. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":true,\"adsDesktopHoldout\":true,\"adsHybrid\":true,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":4},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"The Spaldings received a check for $311,810 from their insurer Safeco in seven weeks to cover the belongings lost in the blaze, after little more than a phone interview with the adjuster. More than a year later, State Farm, the insurer for the Ackermans, offered just $131,275 to cover their contents, and only after the couple produced an exhaustive, 50-page Excel spreadsheet including items as minor as the Lego set and Barbie dolls their daughters had lost.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":5},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Though the Ackermans eventually received over $850,000, the money was paid to them in drips and drabs, following a yearslong fight, and it was far short of the $1.1 million they spent to rebuild. They sued State Farm last year arguing that the insurer acted in bad faith and intentionally delayed their claim. The lawsuit is still pending.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":6},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u201cIf you\u2019re standing on our lot and there\u2019s like literally nothing here, just pay out the policy. Like why? Why drag it out over years?\u201d said Lara Ackerman, 48, an administrator at the University of Colorado.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":true,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":true,\"index\":7},{\"__typename\":\"ImageBlock\",\"media\":{\"__typename\":\"Image\",\"altText\":\"A man and a woman are seen looking out a window, the reflection of a green-colored building playing on the glass. \",\"caption\":{\"__typename\":\"TextOnlyDocumentBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Lara and Trevor Ackerman are still fighting to be paid by their insurer, three years after their home was incinerated.\"}]}],\"text\":\"Lara and Trevor Ackerman are still fighting to be paid by their insurer, three years after their home was incinerated.\"},\"credit\":\"Chet Strange for The New York Times\",\"crops\":[{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":400,\"name\":\"articleLarge\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-articleLarge.jpg\",\"width\":600},{\"__typename\":\"ImageRendition\",\"height\":434,\"name\":\"popup\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-popup.jpg\",\"width\":650},{\"__typename\":\"ImageRendition\",\"height\":683,\"name\":\"jumbo\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-jumbo.jpg\",\"width\":1024},{\"__typename\":\"ImageRendition\",\"height\":1366,\"name\":\"superJumbo\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-superJumbo.jpg\",\"width\":2048}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":150,\"name\":\"thumbLarge\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-thumbLarge.jpg\",\"width\":150}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":127,\"name\":\"articleInline\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-articleInline.jpg\",\"width\":190}]},{\"__typename\":\"ImageCrop\",\"renditions\":[{\"__typename\":\"ImageRendition\",\"height\":2701,\"name\":\"mobileMasterAt3x\",\"url\":\"https:\\u002F\\u002Fstatic01.nyt.com\\u002Fimages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv\\u002F07taleoftwohouses-tflv-mobileMasterAt3x.jpg\",\"width\":1800}]}],\"id\":\"SW1hZ2U6bnl0Oi8vaW1hZ2UvYWZkZjk4MDEtMzViNi01M2E3LWJhMmYtZDQ0Yzk1MzEzZWYw\",\"imageType\":\"photo\",\"legacyHtmlCaption\":\"Lara and Trevor Ackerman are still fighting to be paid by their insurer, three years after their home was incinerated.\",\"timesTags\":[],\"uri\":\"nyt:\\u002F\\u002Fimage\\u002Fafdf9801-35b6-53a7-ba2f-d44c95313ef0\",\"url\":\"\\u002Fimagepages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-tflv.html\"},\"size\":\"LARGE\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":true,\"adsDesktopHoldout\":true,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":8},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"The contrasting experiences of the neighbors with their insurers offer a window into an industry in crisis. As climate change has fueled a growing number of natural disasters, the spotlight is on the onerous requirements that delay or deny the claims of policyholders.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":9},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Tens of thousands of more people are now wading through processes that were once isolated to the single neighbor down the street or the nameless residents of a small town ruined by a flood. In Los Angeles, where over 16,000 homes and structures were destroyed in January, insurance companies have already paid $6.9 billion in claims, according to a \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"title\":\"\",\"uri\":null,\"url\":\"https:\\u002F\\u002Fwww.insurance.ca.gov\\u002F0400-news\\u002F0100-press-releases\\u002F2025\\u002Frelease016-2025.cfm\"}],\"text\":\"tracker\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\" from the California Department of Insurance. That figure is only a small share of the estimated $35 to $45 billion in total insured losses, according to data firm CoreLogic. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":10},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"In 2021, Louisville, Colo., which is northwest of Denver, was decimated by the Marshall fire \u2014 115-mile-per-hour winds pushed the inferno across a freeway \u2014 that resulted in over $2 billion in losses.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":true,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":11},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"As many as two-thirds of the households were underinsured, according to a \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"title\":\"\",\"uri\":null,\"url\":\"https:\\u002F\\u002Fdoi.colorado.gov\\u002Fnews-releases-consumer-advisories\\u002Fdivision-of-insurance-releases-initial-estimates-of\"}],\"text\":\"report\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\" from the Colorado Division of Insurance, meaning that even if insurance companies had paid the full coverage limit, many would have struggled to rebuild.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":12},{\"__typename\":\"Heading2Block\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u201cA Moonscape\u201d and Milk\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"ImageBlock\",\"media\":{\"__typename\":\"Image\",\"altText\":\"A destroyed neighborhood is seen from a block away. Snow has fallen on the ground. Cars that were burned are parked in driveways and homes look like cement blocks, interspersed with charred trees.\",\"caption\":{\"__typename\":\"TextOnlyDocumentBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Snow fell just after the devastating fire, and both families described walking through the snow, past buildings that were still smoldering.\"}]}],\"text\":\"Snow fell just after the devastating fire, and both families described walking through the snow, past buildings that were still smoldering.\"},\"credit\":\"Michael Ciaglo\\u002FGetty 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fell just after the devastating fire, and both families described walking through the snow, past buildings that were still smoldering.\",\"timesTags\":[],\"uri\":\"nyt:\\u002F\\u002Fimage\\u002Fd88d6f90-feff-5d06-8e84-0f87845eeefb\",\"url\":\"\\u002Fimagepages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-02-mltb.html\"},\"size\":\"LARGE\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":true,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":13},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"When the Ackermans and the Spaldings returned to their subdivision where the streets curve like commas, they saw nothing but destruction.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":14},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u201cA moonscape,\u201d Ms. Ackerman said, describing how she had to count the lots from the corner to recognize which one belonged to her family.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":true,\"adsDesktopHoldout\":false,\"adsHybrid\":true,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":15},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u201cLike the surface of the moon,\u201d said Jennifer Spalding, 45, a marketing director, who could only recognize her lot because of a maple tree \u2014 her children\u2019s swing still hanging from a branch and the holiday lights her husband had put up still wrapped around the trunk. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":16},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Ms. Spalding, her husband, Ryan, and their two children initially moved in with her in-laws. They called Safeco, a subsidiary of Liberty Mutual Insurance, and were told that the adjuster would call them for a \u201clifestyle interview.\u201d On the phone, as she broke down crying at times, the adjuster asked her what she could remember from each room of her house: What brands did she have? How many items of each object? When she got off the phone, Ms. Spalding sent receipts for some of the big ticket items and pictures of each room. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":17},{\"__typename\":\"ImageBlock\",\"media\":{\"__typename\":\"Image\",\"altText\":\"A family including a woman, a man, a teenage girl, and a pre-teen boy are seen posing in their living room. The man and woman are standing. She is wearing a white top. He is wearing a flannel shirt. 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Like other homeowner\u2019s policies, theirs consisted of a Coverage A, for the structure, Coverage B for detached buildings like a garage, and Coverage C, for the contents, which she was told to think of like this: If you could flip your house over and shake it real hard, the contents policy would cover anything that fell down.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":true,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":19},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"They received the contents check less than two months after the fire, at the end of February 2022. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Lara and Trevor Ackerman paid less for their premium \u2014 $2,000 in the year before the fire \u2014 but were insured for nearly the same amount: Just under $326,000 for their contents. And the thought of the coverage comforted them, even as they found nothing more than four pools of aluminum sitting underneath where one of their cars had been left inside the garage, the silver puddles representing where the car\u2019s wheels had been. \u201cWe both turned to each other and said, at least we have good insurance,\u201d said Mr. Ackerman, 52, a software engineer. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":20},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"It took them months to complete the bulk of the inventory \u2014 a voluminous spreadsheet containing 2,483 items, from expensive purchases like their refrigerator, to the most minute, including the half-gallon of milk that was cremated inside the fridge. 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With no explanation, the insurer had changed nearly every item in their list to \u201caverage,\u201d even though many items, like the milk, had been entered as \u201cabove average\u201d or as \u201cnew.\u201d \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":true,\"adsHybrid\":false,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":23},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Next, the insurer depreciated nearly everything in their inventory, concluding that the couple was owed just over $131,000.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":24},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"It was the beginning of a yearslong ping pong between the couple and the insurance company. From a sofa in the rental where the family moved, Ms. Ackerman would review a printout of the exhaustive list and circle what she believed were errors. Weeks later when the new inventory arrived, some of the errors had been fixed, only for new ones to be introduced, the couple said.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":25},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"For example, the large, potted ficus tree which the couple had been given as a wedding gift decades earlier had been depreciated to $94, even though it would cost $500 to buy a new potted one of that size. \u201cI don\u2019t think trees depreciate,\u201d Ms. Ackerman said wryly.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":26},{\"__typename\":\"Heading2Block\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Depreciation\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"ImageBlock\",\"media\":{\"__typename\":\"Image\",\"altText\":\"A close up of a column in a house. Hanging from the wall is a framed photograph of a house. 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For example, a $1,000 couch could be depreciated to no lower than $500. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":true,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":29},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"The company has since then increased the depreciation all the way to 90 percent. Now a $1,000 couch can be turned into as little as $100, said Mr. Strzelec, who has testified in dozens of insurance lawsuits since he left the company in 2002. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":30},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"The reduction in what the insurer pays out was part of an overhaul in the industry that began before the Allstate Corporation became a publicly traded company, according to the research of investigative journalists Walt Bogdanich and Michael Forsythe in \u201cWhen McKinsey Comes to Town: The Hidden Influence of the World\u2019s Most Powerful Consulting Firm.\u201d\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":31},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Allstate hired the consulting firm McKinsey and Company to help it boost profits. As a result of its McKinsey makeover, Allstate instructed its adjusters to settle claims as quickly and cheaply as possible, according to documents revealed in court proceedings. By mid-1995, State Farm \u2014 Allstate\u2019s competitor \u2014 tapped McKinsey, too, and sent its managers instructions on a new claims approach: the Advancing Claims Excellence program, or ACE, Mr. Strzelec said.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":32},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"The program called for adjusters to reduce \u201cslippage,\u201d \u201cleakage\u201d and \u201cshortfall\u201d \u2014 terms that denoted the difference between what was paid on a claim and the lesser amount that the insurer could have paid, according to Mr. Strzelec.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":true,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":33},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"From the late 1980s to the mid-1990s, insurers paid 70 cents in claims for every dollar they received in premiums. Two years after the McKinsey makeover in 1997, the payout had fallen to 60.2 cents. By 2006, despite the huge number of claims resulting from Hurricane Katrina, the ratio had dropped to 53.2, according to data from the Consumer Federation of America. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":34},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u201cEvery company is entitled to make a profit,\u201d Mr. Strzelec said. \u201cThe question becomes, you know, how do you make the profit?\u201d\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":35},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"In an emailed statement, State Farm spokesman Justin Tomczak said that the allegations about the company\u2019s claims procedures \u201cdo not align with our practices, our values, or our commitment to being there for our customers.\u201d He also said that the company cannot comment on a claim that is in litigation, and that the filing of a lawsuit does not substantiate the allegations. 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Just about the only thing that survived the fire is the street sign.\",\"timesTags\":[],\"uri\":\"nyt:\\u002F\\u002Fimage\\u002F735a2ed1-3f92-5c39-b3b2-0a3d421c9123\",\"url\":\"\\u002Fimagepages\\u002F2025\\u002F03\\u002F07\\u002Fmultimedia\\u002F07taleoftwohouses-bckq.html\"},\"size\":\"LARGE\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":true,\"index\":41},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"Both families moved into brand-new homes in December 2023, days before the two-year anniversary of the fire.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":true,\"bad\":false,\"index\":42},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"For the Spaldings, it was an upgrade: They used a custom builder, and their new house is approximately 1,000 square feet larger than the one that burned down. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":true,\"adsDesktopHoldout\":true,\"adsHybrid\":false,\"adsMobile\":true,\"adsMobileHoldout\":false,\"bad\":false,\"index\":43},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"With no money readily available, the Ackermans took out a second mortgage and started a GoFundMe. \u201cThe process that we went through definitely ground salt into the wound,\u201d Mr. Ackerman said.\"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":44},{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"They ended up buying what they could afford: a modular home that was assembled in a factory and lowered onto their empty lot. It fit together like the Legos they were asked to enumerate. \"}],\"textAlign\":\"LEFT\"},{\"__typename\":\"Dropzone\",\"adsDesktop\":false,\"adsDesktopHoldout\":false,\"adsHybrid\":false,\"adsMobile\":false,\"adsMobileHoldout\":false,\"bad\":false,\"index\":45},{\"__typename\":\"ParagraphBlock\",\"content\":[],\"textAlign\":\"LEFT\"},{\"__typename\":\"ParagraphBlock\",\"content\":[],\"textAlign\":\"LEFT\"},{\"__typename\":\"ParagraphBlock\",\"content\":[],\"textAlign\":\"LEFT\"}]},\"storyFormat\":\"Article\",\"storylines\":[{\"__typename\":\"AssociatedStoryline\",\"ruleName\":\"styln-real-estate\",\"storyline\":{\"__typename\":\"Storyline\",\"context\":null,\"displayName\":\"The State of Real Estate\",\"experimentalJsonBlob\":\"{\\\"data\\\":[{\\\"version\\\":1,\\\"type\\\":\\\"experimentalJsonBlob\\\",\\\"data\\\":[{\\\"version\\\":1,\\\"type\\\":\\\"guide\\\",\\\"data\\\":{\\\"title\\\":\\\"The State of Real Estate\\\",\\\"leadIn\\\":\\\"Whether you\u2019re renting, buying or selling, here\u2019s a look at real estate trends.\\\",\\\"sections\\\":[{\\\"section\\\":[{\\\"type\\\":\\\"bulletedList\\\",\\\"value\\\":[\\\"\\u003Cstrong\\u003EThe Hunt:\\u003C\\u002Fstrong\\u003E\u00a0After years of subletting in Manhattan, a young actor decided to put her savings to work and find a \\\\\\\"soft place to land.\\\\\\\" \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002Finteractive\\u002F2025\\u002F02\\u002F20\\u002Frealestate\\u002Fhells-kitchen-upper-west-side-apartment-sale.html\\\\\\\"\\u003EHere\u2019s what she found\\u003C\\u002Fa\\u003E.\\\",\\\"\\u003Cstrong\\u003ELiving in New Bedford, Mass.\\u003C\\u002Fstrong\\u003E: The Whaling City, home to a diverse food scene, \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F19\\u002Frealestate\\u002Fnew-bedford-ma-guide.html\\\\\\\"\\u003Ewill soon have a new rail connection to Boston\\u003C\\u002Fa\\u003E.\\\",\\\"\\u003Cstrong\\u003ELoft Renovation\\u003C\\u002Fstrong\\u003E: A Pennsylvania couple loved that their apartment was used in the movie \u201cPhiladelphia.\u201d But a decade after moving in, \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F18\\u002Frealestate\\u002Fphiladelphia-movie-apartment-renovation.html\\\\\\\"\\u003Ethey needed to add a new scene\\u003C\\u002Fa\\u003E.\\\",\\\"\\u003Cstrong\\u003ENewburgh\u2019s Philip Johnson House\\u003C\\u002Fstrong\\u003E: Wolfhouse, as it is known, \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F14\\u002Frealestate\\u002Fphilip-johnson-house-newburgh-sale.html\\\\\\\"\\u003Ewas built in the New York town in the late 1940s\\u003C\\u002Fa\\u003E\u00a0and was recently restored. It\u2019s on the market for $2.9 million.\\\",\\\"\\u003Cstrong\\u003EAsk Real Estate:\\u003C\\u002Fstrong\\u003E\u00a0Do you have questions about \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2024\\u002F11\\u002F09\\u002Frealestate\\u002Fdo-co-op-board-members-have-to-live-in-the-building.html\\\\\\\"\\u003Eco-op boards\\u003C\\u002Fa\\u003E, \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2024\\u002F08\\u002F17\\u002Frealestate\\u002Fwhen-can-you-alter-a-landmark-building-and-when-cant-you.html\\\\\\\"\\u003Elandmark buildings\\u003C\\u002Fa\\u003E, \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2024\\u002F08\\u002F03\\u002Frealestate\\u002Fwhy-are-your-property-taxes-higher-than-your-neighbors.html\\\\\\\"\\u003Eproperty taxes\\u003C\\u002Fa\\u003E\u00a0or other real estate issues? \\u003Ca href=\\\\\\\"https:\\u002F\\u002Fwww.nytimes.com\\u002Fcolumn\\u002Fask-real-estate\\\\\\\"\\u003EWe have answers\\u003C\\u002Fa\\u003E.\\\"]}]}]}}]}]}\",\"guide\":{\"__typename\":\"StorylineGuide\",\"displayName\":\"The State of Real Estate\",\"leadIn\":\"Whether you\u2019re renting, buying or selling, here\u2019s a look at real estate trends.\",\"sections\":[{\"__typename\":\"StorylineGuideSection\",\"items\":[{\"__typename\":\"StorylineGuideItem\",\"content\":{\"__typename\":\"ListBlock\",\"content\":[{\"__typename\":\"ListItemBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"BoldFormat\"}],\"text\":\"The Hunt:\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u00a0After years of subletting in Manhattan, a young actor decided to put her savings to work and find a \\\"soft place to land.\\\" \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"uri\":\"nyt:\\u002F\\u002Finteractive\\u002Fd569deeb-aa37-5097-a316-7b3f4fd2d73e\",\"url\":\"https:\\u002F\\u002Fwww.nytimes.com\\u002Finteractive\\u002F2025\\u002F02\\u002F20\\u002Frealestate\\u002Fhells-kitchen-upper-west-side-apartment-sale.html\"}],\"text\":\"Here\u2019s what she found\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\".\"}]}]},{\"__typename\":\"ListItemBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"BoldFormat\"}],\"text\":\"Living in New Bedford, Mass.\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\": The Whaling City, home to a diverse food scene, \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"uri\":\"nyt:\\u002F\\u002Farticle\\u002F5c645231-5df6-5554-8de5-f0f01730d64b\",\"url\":\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F19\\u002Frealestate\\u002Fnew-bedford-ma-guide.html\"}],\"text\":\"will soon have a new rail connection to Boston\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\".\"}]}]},{\"__typename\":\"ListItemBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"BoldFormat\"}],\"text\":\"Loft Renovation\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\": A Pennsylvania couple loved that their apartment was used in the movie \u201cPhiladelphia.\u201d But a decade after moving in, \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"uri\":\"nyt:\\u002F\\u002Farticle\\u002F76af09f5-5e10-5df8-8051-7cc78803d8a6\",\"url\":\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F18\\u002Frealestate\\u002Fphiladelphia-movie-apartment-renovation.html\"}],\"text\":\"they needed to add a new scene\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\".\"}]}]},{\"__typename\":\"ListItemBlock\",\"content\":[{\"__typename\":\"ParagraphBlock\",\"content\":[{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"BoldFormat\"}],\"text\":\"Newburgh\u2019s Philip Johnson House\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\": Wolfhouse, as it is known, \"},{\"__typename\":\"TextInline\",\"formats\":[{\"__typename\":\"LinkFormat\",\"uri\":\"nyt:\\u002F\\u002Farticle\\u002Fd0469db5-96af-59b7-bdcb-83f2f2868b7a\",\"url\":\"https:\\u002F\\u002Fwww.nytimes.com\\u002F2025\\u002F02\\u002F14\\u002Frealestate\\u002Fphilip-johnson-house-newburgh-sale.html\"}],\"text\":\"was built in the New York town in the late 1940s\"},{\"__typename\":\"TextInline\",\"formats\":[],\"text\":\"\u00a0and was recently restored. 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