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re: Advice needed after water leak from next door
Posted on 11/14/18 at 4:58 pm to hobotiger
Posted on 11/14/18 at 4:58 pm to hobotiger
Changing the WH is a good idea.
The policies we write specifically exclude water losses that originate off premises. Like I said, some may exclude it, some may cover it.
The policies we write specifically exclude water losses that originate off premises. Like I said, some may exclude it, some may cover it.
0
Posted on 11/14/18 at 5:00 pm to tigersbh
A regular homeowners policy will pay for water damage if the source of the water was inside the house. It’s an outside source of water that a regular policy won’t cover.
How that translates to an adjoined property covered by someone else, I have no idea.
I’m sure there is an established manner of handling it as I’m sure it’s happened many times.
How that translates to an adjoined property covered by someone else, I have no idea.
I’m sure there is an established manner of handling it as I’m sure it’s happened many times.
Posted on 11/14/18 at 5:01 pm to tigersbh
It’s his responsibility. He pays for all of it.
Posted on 11/14/18 at 5:01 pm to tigersbh
I had a water heater line rupture and run for about 8 hours.
It did over $100,000 in damage to my house. I saw the checks the insurance company cut. Floors, walls, furniture, all replaced. Cabinets did not have to be replace or it would have been more.
Tread carefully and don't trust their fricking insurance agents, contractors, or inspectors words for a SINGLE second. Get your own people to handle your interests here because repairs have the possibility to be extensive and expensive. Have an attorney in mind in case you have to play hardball.
It did over $100,000 in damage to my house. I saw the checks the insurance company cut. Floors, walls, furniture, all replaced. Cabinets did not have to be replace or it would have been more.
Tread carefully and don't trust their fricking insurance agents, contractors, or inspectors words for a SINGLE second. Get your own people to handle your interests here because repairs have the possibility to be extensive and expensive. Have an attorney in mind in case you have to play hardball.
This post was edited on 11/14/18 at 5:03 pm
Posted on 11/14/18 at 5:08 pm to tigersbh
Make a deal where the guy would be your butler for a year or two or make an “Indecent Proposal” to his wife.
I am not an insurance adjuster but I pay insurance premiums monthly.
I am not an insurance adjuster but I pay insurance premiums monthly.
Posted on 11/14/18 at 5:10 pm to tigersbh
File a claim with your insurance carrier. Do not use their contractor. Hire your own. Most association by-laws put this responsibility on you and not your neighbor. Your neighbor is likely only responsible for his/her unit.
Posted on 11/14/18 at 5:12 pm to tigersbh
File a claim with your own insurer ASAP and let them attempt to subrogate against your neighbor's insurer. Unless your neighbor is somehow negligent, he's not liable for damages to your unit. See if you can get a look at your neighbor's water heater for obvious signs of corrosion that he should have been aware of. See if there is evidence of long-term mold or wet-rot damage to the area where the water heater is located. Hell, ask him if he knew it was leaking even a little bit before it eventually burst. He might admit it was. You should also remove all wet building materials ASAP. Your own policy requires you to mitigate your loss. Your insurer may send their own vendor to perform emergency mitigation services.
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