After a fire 16 months ago, Derek Wubs still has no home and no answers.  What he does have is a $37,000 bill he’s struggling to pay for his burned-out Chilliwack condo, and a warning for others.  “I was under the belief that paying my strata fees would result in the appropriate building insurance being purchased,” Wubs, 26, said.     Read the article…………………………………….