by PaulaT » Mon Nov 19, 2007 12:02 pm
We recently discovered a leak in our kitchen, which may have been leaking for a while, behind the cupboards in our Kitchen, The water has soaked under the ceramic tiles, and badly water damaged three cupboards. We have had the leak repaired and the area is being dried with industrial fans and a dehumidifier from the loss adjuster. Once the area is dried and i am given a certificate of dryness i can then organise quotes for flooring and cupboards. The insurance company are telling me that i can only claim for the 3 cupboards that have been damaged, but the cupboard design has been discontinued, they told me that i would have to just have these 3 cupboards in a different design. Is that right, nothing would match and in an area as important as a Kitchen surely that would affect the price of my property. Could someone just give me some advice on where i go from here. :cry:
Posted: Mon Nov 19, 2007 12:57 pm Post Subject:
Good morning Paula and welcome.
What exactly happened? Did a pipe suddenly break? The reason I ask is most generally a loss or situation like this.
which may have been leaking for a while
Would have required that your claim be denied. These losses have to be ''sudden and accidental'' further must be a ''named peril'', and cannot be ''gradual deterioration'' in nature.
But anyway, they are providing coverage for the loss apparently (?) :?
The insurance company are telling me that i can only claim for the 3 cupboards that have been damaged,
They do only owe you for the damaged items. I do understand and sympathize with your plight.
i would have to just have these 3 cupboards in a different design
I REALLY agree this sucks...
surely that would affect the price of my property.
I agree with this also, if I were looking at a home and the cabients were a hodge podge, it wouldn't be worth as much to me either..Years ago we used to be able to (as an adjuster for an ins company) replace all, in order to maintain the uniformatity, but 'times they are a changin'...sadily...
Could someone just give me some advice on where i go from here
This is what I would do, I would NOT look to replace the cabients, in the way you are thinking. I would instead go to some 'kitchen' stores or ask around, get the numbers of some cabient makers, (there are still some out there, I hired one myself, three different times!), get some bids from them to come in and construct cabients that WILL match or at least get very very close....
If you don't mind let us know what state you are from, the 'form' or type of Homeowners policy you have (HO 3, maybe?), and what the facts of this loss are...maybe we could be of more assistance....
Posted: Tue Nov 20, 2007 07:38 am Post Subject:
Hi Paula, its nice to know that your carrier is covering damages caused of pipe leakage. The standard homeowners insurance (HO-3) typically excludes damages caused by seeping pipes.
One of friends was once in the same situation. Her bathroom wall was damaged by a leaking pipe but the carrier denied her claim stating that it was a maintenance issue and resulted from the negligence of the owner.
Posted: Tue Nov 20, 2007 07:48 am Post Subject:
Yeah right, normally they deny claim under such situations. To receive coverages under the homeowners policy the damage has to be (what Lori has mentioned) accidental and unforeseen.
Regarding 'three different patterns of cabinets'….well, I've to admit that I'm not good at these things :oops: but you might have got a better guidance from Lori already. :D
Rupert
Posted: Mon Dec 24, 2007 04:45 pm Post Subject:
my advice to you that first carefully check that it is not happening due to any of your fault....
if this is the case you can get into a much bigger trouble...
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