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 Posted: Fri Mar 19, 2010 1:55 am Post subject: Water Damage |
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I do not have flood insurance and I liv in Florida. If a hurricane comes through and tears my roof off and it rains in my house will this be covered under my regular house insurance policy? I am afraid that it won't. Should I purchase flood insurance?
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floridaborn
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| Posted: Tue Mar 23, 2010 2:01 pm Post subject: water leak |
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In Ga., we had an insurance thru our water company, that would protect us, if we had a leak in the pipes on the outside, can you tell me how we might get in touch with something like that in Tn. They just added the cost to our water bill there. Thanks
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johson twins
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| Posted: Fri Apr 09, 2010 8:14 pm Post subject: unusual event |
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We have a drywell for our pump that pumps up the water to our house. During the last rain storms in the New england area the water seeped in somehow into the drywell and ruined the pump and the well. We were forced to have an new water installed in a different area. We applied for the insurance company to at least cover the cost of a replacement pump and connection which they refused to do. This couldn't have been caused by flooding because we didn't get any water anywhere else in or around the house. We have lived here 40 years and have never had a water problem. We have seepage and mold coverage we have everything including earthquake coverage. I asked for a review of the claim saying I don't believe this to be ground water but they refused. What are my options?
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becky
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| Posted: Fri Apr 09, 2010 9:07 pm Post subject: |
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| Quote: | | What are my options? |
File a complaint with your states dept of insurance.
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Lori
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| Posted: Tue Apr 13, 2010 2:25 pm Post subject: |
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I have a roof that need to be repaired, our last major rain storm we a four leaks one of our rooms, I am in the process of repairing the roof but am concerned with the sheetrock that I'm sure is growing mold, will be insurance cover the reapir of the inside damage ?
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jim1979
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| Posted: Tue Apr 13, 2010 10:34 pm Post subject: |
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Jim only if the damage to the roof was covered..
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Lori
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| Posted: Thu Apr 15, 2010 5:10 pm Post subject: water damage/broken pipe |
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pipe broke extensive damage. insurere says that it was pre-existing. pipe broke how can that be pre-existing?
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Gordon Clark
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| Posted: Fri Apr 16, 2010 11:48 am Post subject: |
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| Quote: | | pipe broke how can that be pre-existing? |
It can't...only thing I can think of..is if had been leaking for some time 'then' broke...ok...was there evidence of this?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sat Apr 17, 2010 2:22 am Post subject: water leak |
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I appear to have an intermittent water leak. I noticed damage to 1st floor ceiling 3 weeks ago. Contractor(s) has been out, cut holes in 2 rooms but can't find the leak, although they did find mold on the joists between the floors. Insurance company states they won't pay because it is a leak and not a break. I am looking at having to gut a bathroom to find this. Also I have a water rider because of hydrant in yard...still doesn't cover. Why? Any suggestions?
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steaming in ny
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| Posted: Sat Apr 17, 2010 6:13 pm Post subject: |
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It would be helpful for us to know 'which' HO policy you have...HO-what? Also would be helpful to know exactly what this 'water rider' says...particularly the 'exclusion' portion...All HO policys I've seen state that they SUDDEN and accident losses..typically the exclusion will say something like, | Quote: | | "we do NOT cover--continuous or repeated seepage or leakage of water or steam over a period of fourteen days or more. If this exclusion applies, no part of the loss is covered even though it may have occurred prior to the fourteenth day of the seepage or leakage" |
it may not have a time line..some do some don't.
Have they inspected your home? If they have denied your claim..they HAVE to do so in writing..in this letter they should've quoted the portion of your policy that has caused them to deny the claim. So what does the letter say?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sun Apr 25, 2010 3:06 am Post subject: drain leak |
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if a problem was fixed before and broke in another place and didnt see it for a period of time or when it is too late and now studs and sill plate is rotten and kitchen cabinets are water loged will insurance cover it also
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cajunbuddha
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| Posted: Sun Apr 25, 2010 1:07 pm Post subject: Water damage 40 years worth on a rental property |
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Have been renting for the past 20 years, 18 years ago where I rent at the kitchen floor and the cabinets along the back wall collasped, I contacted the homeowner(landlord) and informed them of this and they told me to contact their insurance company and file a claim. I contaced them and they came down with their adjuster and inspector and I was informed that the water damage was forty years worth of wood rot and homeowner negligents. Well to make a long story short the homeowner has refused to fix this damages and I was wondering who is responsible for this mess me or the landlord. The landlord is wanting to hand over the house to me and my husband and this repair has not been fixed. We have gotten estimates on this only to be told that it is going to cost around $10,000 to fix this. We informed the howneowner of this and they still refuse to fix it, however, the homeowner recently remoldeld their own home where they live at. Who is liable for the water damage. 
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Donnagayle
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| Posted: Mon Apr 26, 2010 10:53 am Post subject: |
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cajunbuddha - very doubtful. | Quote: | | I was wondering who is responsible for this mess me or the landlord |
The landlord or course! | Quote: | | The landlord is wanting to hand over the house to me and my husband and this repair has not been fixed. We have gotten estimates on this only to be told that it is going to cost around $10,000 to fix this. We informed the howneowner of this and they still refuse to fix it, however, the homeowner recently remoldeld their own home where they live at. Who is liable for the water damage |
I'd say the deal is off then unless the landlord is willing to reduce the sale price of the house by 10k....it the landlords problem..not for any personal property you lost but for ALL the damages to the dwelling.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Tue Apr 27, 2010 12:49 pm Post subject: water leak damage on a home |
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reported a claim to my homeowners insurance regarding a water leak in our rental home, and CSE denied claim but their adjuster did not even inspect inside the house, did not do moisture check, they just automatically turned our claim. then we had a independent contractor check on the prperty, water disseminated on the kitchen floor.
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liza cornel-quingua
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| Posted: Wed Apr 28, 2010 10:51 am Post subject: |
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liza, they may not have needed to inspect it if they already knew the source of the water and your policy didn't cover it.
If they denied the claim they HAVE to do so in writing. So what does the letter say the reason for the denial is?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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