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Message
re: Leak caused floor damage
Posted on 12/14/23 at 11:37 am to mtcheral
Posted on 12/14/23 at 11:37 am to mtcheral
quote:
If you file a claim it will follow you for five years after and if you move and look for new insurance it will be higher. This happened to me after I had a major water leak in bathroom and had to have a Servpro type company come in with dryers for a full week to save my wood floors. Insurance quotes on new house were $1500 /yr higher once they pulled up the claim.
At this point, it's looking like I won't file a claim. Paying a 1k deductible with the risk of being capped at 5k or being outright denied isn't worth it.
1
Posted on 12/14/23 at 11:52 am to man117
quote:
At this point, it's looking like I won't file a claim. Paying a 1k deductible with the risk of being capped at 5k or being outright denied isn't worth it.
The mold remediation would likely not touch the $5k limit. A good restoration company will convey to the adjuster that most of the work necessary is due to water damage, not mold. Mold coverage would be used for any containment, hepa air filtration, and hepa vacuuming and wiping down the area affected. If when pulling the flooring and searching for the water line this looks bigger than you want to handle on your own, definitely inquire with your carrier whether this would be a covered loss. You shouldn't have to open a claim to get that answered.
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