by DJMike75 » Mon Aug 24, 2009 02:15 am
I just got home from a cruise vacation and noticed when I went into the basement that my air conditioner's water drainage to my sump pump overflowed and leaked all over my basement carpet, boxes, and my personal belongings. I have rug in 90% of my basement and it is wet.
What do you think? Is the air conditioning company at fault? Will insurance cover a new rug? I am allergic to mold...
Let me know what you think...
Thanks in advance,
Mike
What do you think? Is the air conditioning company at fault? Will insurance cover a new rug? I am allergic to mold...
Let me know what you think...
Thanks in advance,
Mike
Posted: Mon Aug 31, 2009 03:01 pm Post Subject: Lead 2 Burst
The first thing I would do is go after the company that installed it or the place that sold you the unit. I know insurance companies are not to well about covering losses from slow leads. I had a slow lead at one time that caused mold damage, the adjuster said that if it were a "burst" it would of been covered... But since it was a slow lead they considered it a maintenance issue (not covered)
Posted: Thu Sep 03, 2009 04:34 pm Post Subject:
ColeJustin is correct in stating that slow leaks are considered maintenance issues in most cases. Your best bet may be to call a water restoration company and have them pull the carpet and dry out the basement.
Secondly they will also be able to treat your home so that mold does not grow. Most insurance companies exclude mold.
Posted: Thu Sep 03, 2009 09:00 pm Post Subject:
1. I can't imagine why the air conditioner company would be at fault for your sump pump failing.
2. While ColeJustin is technically correct, I would still urge to to consider filing a claim as it seems companies don't all interpret "sudden and accidental" in the same way. You may just have coverage. That said, be sure to find out about the potential increase in your home policy premiums and weigh that against the total amount of your loss.
3. Ladybradwell, while most base policies exclude mold, I wouldn't say most companies do. In most cases it is given back as a free endorsement or offered at a very low price.
Posted: Fri Sep 04, 2009 12:40 pm Post Subject:
It depends, did the sump pump quit? Or did the AC just all of a sudden start dumping a lot of condensation? I'd file the claim and see...Chances are this will be covered. As to mold, I've had a storm claim and water came in where the roof was damaged, they included mold clean up and prevention in the estimate. It would (as fish stated) depended wholely on your policys language. Regardless of the policy language you are required to mitigate your damages. So you need to get on the clean up asap...Turn in the claim, ask when someone will be out to inspect, and when you can start the clean up.
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