Water leak ruined floors, Insurance won't cover
#1
Team Owner
Thread Starter
Water leak ruined floors, Insurance won't cover
Talk about some shitty luck. My washing machine wasn't spitting out water properly so I would disconnect the hose and shoot the water directly into it. I don't know if it was because of this but I'll be really if it was but one day I found water starting to go through the wall into the floor of my living room. It was bad enough where when you step on the floor, water would seep out of the cracks. I will have a plumber come out to make sure it wasn't due to any pipe leaks but now I have to replace the flooring in my family room, entrance, and kitchen (so that it matches). Plus the walls will probably have to have the bottom part sheetrock replaced. Obviously I need a new washer too.
Worst of all, I claimed my insurance and apparently my coverage doesn't cover water damage. The freaking agent screwed up and put the wrong policy type and now I'm stuck with the bill. The actual sales agent isn't at the agency anymore so they won't take responsibility. Yeah my insurance will go up now because I have to have water damage added so we'll see what it is now.
Pray that I get a huge tax return. No more Disney trip for my daughter's bday.
Worst of all, I claimed my insurance and apparently my coverage doesn't cover water damage. The freaking agent screwed up and put the wrong policy type and now I'm stuck with the bill. The actual sales agent isn't at the agency anymore so they won't take responsibility. Yeah my insurance will go up now because I have to have water damage added so we'll see what it is now.
Pray that I get a huge tax return. No more Disney trip for my daughter's bday.
#2
Needs more Lemon Pledge
Dude, that stinks big time. Sorry.
Between the old owners moving out and me moving in (But before closing) same thing happened in my house, except it was the fridge water line. Sheet rock, flooring, trim, you name it...
Pre-sale cleaning crew pulled the fridge out to clean behind it and the fridge installer had used stiff copper tubing to hook up the water line to the wall line. THat thing dripped for days! The walls were like sponges.
Good luck, and make sure when the open the walls up that they use some heavy duty anti mold agent all over.
Between the old owners moving out and me moving in (But before closing) same thing happened in my house, except it was the fridge water line. Sheet rock, flooring, trim, you name it...
Pre-sale cleaning crew pulled the fridge out to clean behind it and the fridge installer had used stiff copper tubing to hook up the water line to the wall line. THat thing dripped for days! The walls were like sponges.
Good luck, and make sure when the open the walls up that they use some heavy duty anti mold agent all over.
#3
One on the right for me
Id speak with a lawyer about your options. Often they can put pressure on the insurance company to cover the loss. I'd also check to see what the agent's relationship was with the company.
#4
Team Owner
Thread Starter
I'm going to talk to a public adjuster that would have taken over the case had it gone through. Maybe he can find a loop hole.
Also good news is that a plumber came by and there's no evidence of leaks from the piping. It looks like it was only the washer crapping out. Remind me to karate chop the shit out of it.
We got one quote to rip out the rest of the wood laminate in the family room and rip out the tile in the entrance and kitchen (so that it matches the family room). Dude wants $1,800 including tile. Not included were reinstalling the base boards (he says they're fine) and removing and reapplying the 4-6 inches of wet wall from the bottom where the water flowed behind the washer and part of the family room. It's that high since like stogie said, the walls suck up water like a sponge. I got another contractor coming in today or tomorrow and I think he'll do everything but let's wait for the price.
Also good news is that a plumber came by and there's no evidence of leaks from the piping. It looks like it was only the washer crapping out. Remind me to karate chop the shit out of it.
We got one quote to rip out the rest of the wood laminate in the family room and rip out the tile in the entrance and kitchen (so that it matches the family room). Dude wants $1,800 including tile. Not included were reinstalling the base boards (he says they're fine) and removing and reapplying the 4-6 inches of wet wall from the bottom where the water flowed behind the washer and part of the family room. It's that high since like stogie said, the walls suck up water like a sponge. I got another contractor coming in today or tomorrow and I think he'll do everything but let's wait for the price.
#5
I now drive an accord....
Reminds me of what happened to my friend. His house was just built and he was only moved in for about 2 weeks when he woke up to the sound of something spraying. He went downstairs and at least half of the first floor had standing water. A few days earlier he had hooked up the ice maker on the fridge. Apparently he used the wrong connector and it broke. Luckily for him the insurance covered it, but it sucked that he needed new hardwood floors, new lower cabinets, and new flooring in three rooms after only two weeks of living there.
#6
Sweet!
iTrader: (1)
My parents had the water line to their ice maker break over vacation. Luckily a friend was house/dog sitting for us so they caught it within a day. The kitchen floor and a good part of the living room and family room floors were soaked. Since she caught it right away and cleaned it up, no damage was done.
Friends of mine had the same problem, except much worse. Their entire home (single story) had 3 inches of water on the floor. The whole house needed new carpets, baseboards, lower sheetrock...I think they were living in a hotel for about a month (insurance paid, of course). It was crazy.
Friends of mine had the same problem, except much worse. Their entire home (single story) had 3 inches of water on the floor. The whole house needed new carpets, baseboards, lower sheetrock...I think they were living in a hotel for about a month (insurance paid, of course). It was crazy.
#7
Senior Moderator
how bad are the floors ruined? Can't they be refinished (if they are real wood)?
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#9
Needs more Lemon Pledge
I'm going to talk to a public adjuster that would have taken over the case had it gone through. Maybe he can find a loop hole.
Also good news is that a plumber came by and there's no evidence of leaks from the piping. It looks like it was only the washer crapping out. Remind me to karate chop the shit out of it.
We got one quote to rip out the rest of the wood laminate in the family room and rip out the tile in the entrance and kitchen (so that it matches the family room). Dude wants $1,800 including tile. Not included were reinstalling the base boards (he says they're fine) and removing and reapplying the 4-6 inches of wet wall from the bottom where the water flowed behind the washer and part of the family room. It's that high since like stogie said, the walls suck up water like a sponge. I got another contractor coming in today or tomorrow and I think he'll do everything but let's wait for the price.
Also good news is that a plumber came by and there's no evidence of leaks from the piping. It looks like it was only the washer crapping out. Remind me to karate chop the shit out of it.
We got one quote to rip out the rest of the wood laminate in the family room and rip out the tile in the entrance and kitchen (so that it matches the family room). Dude wants $1,800 including tile. Not included were reinstalling the base boards (he says they're fine) and removing and reapplying the 4-6 inches of wet wall from the bottom where the water flowed behind the washer and part of the family room. It's that high since like stogie said, the walls suck up water like a sponge. I got another contractor coming in today or tomorrow and I think he'll do everything but let's wait for the price.
#10
Senior Moderator
ouch... Have you though about just getting that area replaced and just leave it slightly mis-matched? I doubt it will be a huge one since the lots have to be within a specified range...
#12
Needs more Lemon Pledge
The laminate is great in living rooms and hallways, just not so good for kitchens and bathrooms...
I would do Bamboo throughout and tile in the kitchen/bathrooms if I could do it again...
#13
Three Wheelin'
I don't even want to know what the floor looks like under my aquaruium stand. I get small spills underneath there all the time and there is no way to get to them.
#15
Team Owner
Thread Starter
I can't even open the back. The screws are rusted and stripped.
When it rains it pours. I'll have just enough tax return money to do the floors and that's it. I'll have to DIY the walls, wait longer to buy the new washer, and not do the projects that I had planned with the tax return money.
When it rains it pours. I'll have just enough tax return money to do the floors and that's it. I'll have to DIY the walls, wait longer to buy the new washer, and not do the projects that I had planned with the tax return money.
#16
Time to find a new insurance company.
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