MIDVALE, Utah — It’s been a scary 72 hours for people like Salina Ochoa. The roof at the North Union Apartments collapsed onto her fourth-floor bedroom during last week's fire in Midvale. Displaced residents left numb with few options after Midvale apartment complex fire:Displaced residents left numb with few options after Midvale apartment complex fireOchoa and her roommate, Rachel, have renters’ insurance to help replace what they can, but not every resident was covered the same way. According to the Utah Insurance Department, renters coverage is crucial to helping people start over. The apartment complex is responsible for the building and anything attached to the building," explained Tracy Klausmeier with the Utah Insurance Department.